Arusei , Sheila J., Josephat Cheboi, and Ronald Bonuke. “Relationship Between Financial Sophistication and Perceived Retirement Saving Adequacy Among Public University Employees in Kenya: The Moderating Effects of Institutional Factors”. Journal of Business, Economics and Management Research Studies 1, no. 1 (August 30, 2023): 54–70. Accessed October 6, 2026. https://bluprintpub.com/index.php/JOBEMRS/article/view/69.