Luvhengo, U., and J. Lekunze. “IDENTIFYING FACTORS THAT INFLUENCE SMALL-SCALE FARMERS’ ACCESS TO CREDIT FROM COMMERCIAL BANKS IN GREATER TAUNG MUNICIPALITY, NORTH WEST PROVINCE, SOUTH AFRICA”. Journal of Agribusiness and Rural Development, Vol. 45, no. 3, Dec. 2017, pp. 601–611, doi:10.17306/J.JARD.2017.00331.