Eforuoku, . F., . V. O. Balogun, and . T. A. Joshua,. “Determinants of Crop farmers’ Utilization of Agricultural Insurance Scheme in Osun State, Nigeria”. The Nigerian Journal of Rural Extension and Development, vol. 12, no. 1, Apr. 2023, pp. 27-36, https://journals.ui.edu.ng/index.php/njred/article/view/994.