[1] Abdalla E. M., Ebaidalla, E. M., 2012. Determinants of small farmer’s access to formal credit institutions in Kassala state, East Sudan. University of Kassala Journal, First Issue, April 2012.
[2] Afolabi, O.I., Adegbite, D.A., Akinbode, S.O., Ashaolu, O.F., Shittu, A.M., 2014. Credit constraints: Its existence and determinants among poultry (Egg) farmers in Nigeria. British Journal of Economics, Management & Trade, 4(12): 1834-1848.
[3] Amentae, T.K., Hamo, T.K., Gebresenbet, G., Ljungberg, D., 2017. Exploring Wheat Value Chain Focusing on Market Performance, Post-Harvest loss, and Supply Chain Management in Ethiopia: The Case of Arsi to Finfinnee Market Chain. Journal of Agricultural Science, 9(8): 22–42.
[4] Awunyo-Vitor, D., Abankwah, V., 2012. Substitutes or complements: Formal and informal credit demand by maize farmers in Ashanti and BrongAhafo Regions of Ghana. International Journal of Agriculture and Forestry, 2(3): 105-112.
[5] Bolarinwa, K.K., Fakoya, E.O., 2011. Impact of farm credit on Farmers’ socio-economic status in Ogun State, Nigeria. Journal of Social Science, 26(1): 67-71.
[6] Elias, S., Ahmad, I. M., &Patil, B. L., 2015. The determinants of access to agricultural credit for small and marginal farmers’ in Dharwaddistrict,Karnataka, India, 3(5): 1–5.
[7] Gashayie, A., Singh, M.,2015. Agricultural finance constraints and innovative models experience for Ethiopia : Emprical Evidance from Developing Countries, 6(7), 39–50.
[8] Girma, M., Abebaw, D., 2015. Determinants of formal credit market participation by rural farm households: Micro-level evidence from Ethiopia. In Paper for presentation at the 13 th International Conference on the Ethiopian Economy. Ethiopian Economic Association (EEA) Conference Centre, Addis Ababa, Ethiopia.
[9] Meeme, B.M., 2013. Factors influencing access to formal credit by small scale women tea farmers in Kenya: A case of Thika district, Kiambu County (Doctoral dissertation, Masters Thesis. Nairobi University).
[10] Mpuga, P., 2004. Demand for credit in rural Uganda: Who cares for the peasants? In A paper presented at the conference on growth, poverty reduction and human development in Africa. Centre for the Studies of African Economies.
[11] Muhammed, M.A., 2013. Formal and informal credit demand by rice farmers in the Northern region of Ghana (Doctoral dissertation, University of Ghana).
[12] Nagler, J., 2002. Interpreting probit analysis. New York University, 2002.
[13] Ololade, R.A., Olagunju, F.I., 2013. Determinants of access to credit among rural farmers in Oyo State, Nigeria. Global Journal of Science Frontier Research Agriculture and Veterinary Sciences, 13(2): 23-31.
[14] Owusu-Antwi, G., Antwi, J., 2010. The analysis of the rural credit market in Ghana. The International Business & Economics Research Journal, 9(8): 45-56.
[15] Sebopetji, T. O., Belete, A., 2009. An application of probit analysis to factors affecting small-scale farmers ’decision to take credit: A case study of the greater Letaba Local Municipality in South Africa. African journal of agricultural research, 4(8): 718-723.
[16] Tang, S., Z. Guan, S. Jin., 2010. Formal and informal credit markets and rural credit demand in China. In agricultural & applied economics association, CAES, & WAEA Joint Annual Meeting: 1–26.