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Eswaran, M. and A. Kotwal, 1990. Implications of credit constraints for risk behaviour in less developed economies. Oxford Econ. Pap., 42: 473-482.
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Kochar, A., 1997. Does lack of access to formal credit constrain agricultural production? Evidence from the land tenancy market in rural India. Am. J. Agric. Econ., 79: 754-763.
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Lawal, J.O. and R.A. Sanusi, 2003. Breakdown of loans granted to agriculture and tree crops in Nigeria by lending banks. Annual Report, Cocoa Research Institute of Nigeria (CRIN).

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Miller, L.F., 1977. The role of production credit in expanding agricultural production. Proceedings of the Symposium Organized by Nigerian Institute of Social and Economic Research, Ibadan.

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Udry, C., 1990. Credit markets in Northern Nigeria: Credit as insurance in a rural economy. World Bank Econ. Rev., 4: 251-269.
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