“LATE MOVER STRATEGIES MATTER AND PERFORMANCE OF MICROFINANCE BANKS IN KENYA: THE MODERATING ROLE OF REGULATORY FRAMEWORK” (2025) African Journal of Emerging Issues, 7(18), pp. 82–101. Available at: https://ajoeijournal.org/sys/index.php/ajoei/article/view/929 (Accessed: 10 September 2025).