Gyanden, K. P., V. S. K., and D. J. “The Role of Informal Credit Among Small-Scale Farmers for Rural Development in Otupko Local Government Area of Benue State, Nigeria”. The International Journal of Humanities & Social Studies, vol. 4, no. 4, Apr. 2016, https://internationaljournalcorner.com/index.php/theijhss/article/view/126459.