@book{13214,
	author = {MUTUA, KIMANTHI: OKETCH, HENRY: BANDA, MOSES: MARU TERESA: OBUYA,  MARCELINE},
	title = {IT DID NOT HAPPEN OVERNIGHT: THE HISTORY OF GROUP-BASWS CREDIT PROGRA MMMES IN},
	publisher = {NAIROBI},
	year = {1996},
	address = {K-REP}
}