@article{UllahMahmoodZebetal.2020, author = {Ayat Ullah and Nasir Mahmood and Alam Zeb and Harald K{\"a}chele}, title = {Factors Determining Farmers' Access to and Sources of Credit: Evidence from the Rain-Fed Zone of Pakistan}, journal = {Agriculture}, volume = {10}, number = {12}, doi = {10.3390/agriculture10120586}, year = {2020}, }