Wanjagi, Jedidah, Tabitha Nasieku, and Olanrewaju Fatoki. “Effect of Capital Adequacy on Operational Efficiency of Commercial Banks in Kenya”. European Scientific Journal, ESJ 31 (July 14, 2024): 253. Accessed April 29, 2025. https://test.eujournal.org/index.php/esj/article/view/18336.