Ikpoza, E. A., Ohwo, O. A., Nwajei, C. A. and Tabuanu, C. O. 2020. EFFECTIVENESS OF CREDIT UTILIZATION AMONG FARMERS IN UGHELLI NORTH LOCAL GOVERNMENT AREA OF DELTA STATE, NIGERIA. Journal of Agripreneurship and Sustainable Development. 3, 4 (Dec. 2020), 109–118. DOI:https://doi.org/10.59331/jasd.v3i4.165.