Hobasa Kayamo , Yohannes, and Getachew Ayele. “Determinants of Smallholder farmers’ Access to Formal Credit: A Case of Bilate Zuria Woreda, Sidama National Regional State, Ethiopia”. African Journal of Economic and Business Research 2, no. 1 (March 16, 2023): 83-101. Accessed November 25, 2024. https://journals.hu.edu.et/hu-journals/index.php/ajebr/article/view/803.