INFLUENCE OF CREDIT REFERENCING ON COMMERCIAL BANKS’ CREDIT LENDING DECISIONS IN KENYA - A CASE OF COMMERCIAL BANKS IN MOMBASA COUNTY IN KENYA. IJARR [Internet]. 2021 Feb. 10 [cited 2026 Apr. 18];6(2):01-18. Available from: https://www.ijarr.org/index.php/ijarr/article/view/271