Yaseen, Ghulam, and Munawar Hayat. “Determinants of Farmer’s Utilization of Agricultural Credit: Evidence from Central Punjab, Pakistan”. International Journal of Advanced Social Studies 1, no. 1 (December 28, 2021): 9–17. Accessed September 17, 2025. https://explorescholar.org/journals/index.php/IJASS/article/view/3.