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Determinants of smallholder farmers’ access to formal credit: A case of Bilate Zuria Woreda, Sidama national regional state, Ethiopia. Afr. J.Econ.Bus.Res. 2023;2(1):83-101. Accessed July 4, 2025. https://journals.hu.edu.et/hu-journals/index.php/ajebr/article/view/803