ASSESSMENT Of THE IMPACT OF FORMAL CREDIT ON THE PRODUCTIVITY OF SMALL-SCALE AGROFORESTRY FARMERS IN KADUNA STATE, NIGERIA. FJS [Internet]. 2025 Aug. 4 [cited 2025 Sep. 11];9(8):1-7. Available from: http://www.fjsadmin.fudutsinma.edu.ng/index.php/fjs/article/view/3202