Dalhatu, A., Garba M., Abdullahi, S. DETERMINANTS OF ACCESS TO CREDIT AMONG SMALLHOLDER RICE FARMERS IN WESTERN AGRICULTURAL ZONE OF BAUCHI STATE, NIGERIA. njaat [Internet]. 2026 Mar. 14 [cited 2026 Jun. 30];6(1A):226-38. Available from: https://njaat.com.ng/index.php/njaat/article/view/1459