“ASSESSMENT Of THE IMPACT OF FORMAL CREDIT ON THE PRODUCTIVITY OF SMALL-SCALE AGROFORESTRY FARMERS IN KADUNA STATE, NIGERIA”. FUDMA JOURNAL OF SCIENCES 9, no. 8 (August 4, 2025): 1–7. Accessed September 8, 2025. https://fjs.fudutsinma.edu.ng/index.php/fjs/article/view/3202.