Ogada, J., Wanga , J. and Abura, B. (2025) “ANALYZING ACCESS TO HOUSING FINANCE AND ITS IMPLICATIONS FOR LOW-INCOME EARNERS IN SIAYA, BONDO, AND UGUNJA TOWNS, SIAYA COUNTY, KENYA”, African Journal of Emerging Issues, 7(15), pp. 87–101. Available at: https://ajoeijournal.org/sys/index.php/ajoei/article/view/891 (Accessed: 27 July 2025).