Salisu, J., Tanko, L., Adewumi, A., Yisa, F. and Omobaba, Y. R. (2021) “EFFECT OF CREDIT UTILIZATION ON THE PRODUCTIVITY OF SMALL-SCALE COWPEA FARMERS IN SELECTED LOCAL GOVERNMENT AREAS OF NIGER STATE, NIGERIA”, Journal of Agripreneurship and Sustainable Development, 4(1), pp. 130–142. doi: 10.59331/jasd.v4i1.189.