Samuel K. Mwangi, Grace W. Njeri and David O. Kamau (2026) “EXPLORING THE ROLE OF FINANCIAL DEVELOPMENT IN ENTREPRENEURIAL GROWTH A QUALITATIVE STUDY OF CREDIT ACCESS AND NEW BUSINESS FORMATION”, IJRDO - Journal of Business Management, 12(3), pp. 89-102. doi: 10.69980/bm.v12i3.6806.