Alabi, O., Oladele, A., & Usman, M. (2021). Determinants of agricultural loan decision making process for rice (Oryza sativa) farmers in Abuja, Nigeria. Applications of Heckman two-stage model and factor analysis. Journal of Agribusiness and Rural Development, 59(1), 29-38. https://doi.org/10.17306/J.JARD.2021.01381