The Determinants of Farmer’s Participation in Formal Microcredit Markets in Benin: A double hurdle model. Journal of Academic Finance, [S. l.], v. 13, n. 2, p. 77–95, 2022. DOI: 10.59051/joaf.v13i2.610. Disponível em: https://www.scientific-society.com/AF/article/view/610. Acesso em: 14 jan. 2026.