APA (7th ed.) Citation

Obispo, D. J. M., Pine, M. V. S., & Ravago, M. V. Factors influencing the credit utilization of smallholder farmers.

Chicago Style (17th ed.) Citation

Obispo, Dorothy Jane M., Ma. Veronica S. Pine, and Majah-Leah V. Ravago. Factors Influencing the Credit Utilization of Smallholder Farmers.

MLA (9th ed.) Citation

Obispo, Dorothy Jane M., et al. Factors Influencing the Credit Utilization of Smallholder Farmers.