“DETERMINANTS OF PERSONAL FINANCIAL MANAGEMENT DECISIONS: A COMPARISON OF SELF-EMPLOYED GENERATION X AND GENERATION Y IN EMBAKASI EAST CONSTITUENCY OF NAIROBI, KENYA”, AJOEI, vol. 3, no. 3, pp. 83–104, Jun. 2021, Accessed: Nov. 02, 2025. [Online]. Available: https://ajoeijournal.org/sys/index.php/ajoei/article/view/183