“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 60, no. 3 (May 3, 2024): 242–250. Accessed May 9, 2025. https://journals.unizik.edu.ng/jfms/article/view/3743.