SHEHU, S., O. Yusuf, and H. Egwuma. “IMPACT OF FINANCIAL SERVICE ASSOCIATIONS’ CREDIT SCHEME ON INCOME OF BENEFICIARY FARMERS IN KATSINA STATE NIGERIA”. FUDMA JOURNAL OF SCIENCES, Vol. 5, no. 4, Jan. 2022, pp. 279 -84, doi:10.33003/fjs-2021-0504-815.