INFLUENCE OF CREDIT REFERENCING ON COMMERCIAL BANKS’ CREDIT LENDING DECISIONS IN KENYA - A CASE OF COMMERCIAL BANKS IN MOMBASA COUNTY IN KENYA. INTERNATIONAL JOURNAL OF ADVANCED RESEARCH AND REVIEW (IJARR), [S. l.], v. 6, n. 2, p. 01–18, 2021. Disponível em: https://www.ijarr.org/index.php/ijarr/article/view/271.. Acesso em: 18 apr. 2026.