Ayodele, J. T.; Abu, G. A.; Iorlamen, T. R.; Ogah, M. O. ASSESSMENT Of THE IMPACT OF FORMAL CREDIT ON THE PRODUCTIVITY OF SMALL-SCALE AGROFORESTRY FARMERS IN KADUNA STATE, NIGERIA. FJS 2025, 9 (8), 1-7. https://doi.org/10.33003/fjs-2025-0908-3202.