“EFFECTS OF SOCIOECONOMIC CHARACTERISTICS ON ACCESSIBILITY TO CREDIT IN COOPERATIVE THRIFT AND CREDIT SOCIETIES IN ILORIN-SOUTH LOCAL GOVERNMENT AREA OF KWARA STATE, NIGERIA”. Journal of the Management Sciences, vol. 60, no. 3, May 2024, pp. 242-50, https://journals.unizik.edu.ng/jfms/article/view/3743.