Upadhyay, N., S. Gairhe, Y. Acharya, Y. N. Ghimire, K. P. Timsina, and A. Acharya. “Credit’s Use Performance and Its Determinants on Farm Household: A Case of Chitwan District of Nepal”. Journal of Agriculture and Natural Resources, vol. 3, no. 2, Oct. 2020, pp. 140-9, doi:10.3126/janr.v3i2.32493.