Berk, A. 2019. Determination of Factors Affecting Agricultural Credit Usage Decisions of Farmers in Niğde and Karaman Provinces. Turkish Journal of Agriculture - Food Science and Technology. 7, 8 (Aug. 2019), 1182–1188. DOI:https://doi.org/10.24925/turjaf.v7i8.1182-1188.2619.