Kalu, Ugbor I., Ambrose Nnaemeka Omeje, and Augustine Jideofor Mba. 2018. “Financial Inclusion in the Agricultural Sector in Nigeria: An Index of Penetration”. International Journal of Economics and Financial Issues 8 (5):35-44. https://mail.econjournals.com/index.php/ijefi/article/view/6076.