@book { BarrierstomicroinsuranceoutreachforpastoralistsandcropfarmersinruralareasinKenya,
    title = "Barriers to micro-insurance outreach for pastoralists and crop farmers in rural areas in Kenya",
    author = "Benard {Kilel}",
    year = "2018",
    publisher = "Anchor Academic Publishing",
    address = "Hamburg, Germany",
    url = "https://m.anchor-publishing.com/document/424191"
}