LATE MOVER STRATEGIES MATTER AND PERFORMANCE OF MICROFINANCE BANKS IN KENYA: THE MODERATING ROLE OF REGULATORY FRAMEWORK. African Journal of Emerging Issues, [S. l.], v. 7, n. 18, p. 82–101, 2025. Disponível em: https://ajoeijournal.org/sys/index.php/ajoei/article/view/929. Acesso em: 30 oct. 2025.