Abbas Ullah Jan, Iqra Zaman, Sahara Zaman, Nighat Ara, Syed Attaullah Shah, & Fida Muhammad Khan. (2026). Farm Households’ Perceptions and Their Willingness to Apply for Formal Agricultural Credit in District Mardan, Pakistan. SOCIAL PRISM, 3(4), 481-496. https://doi.org/10.69671/socialprism.3.4.2026.208