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):109-18. https://doi.org/10.59331/jasd.v3i4.165.