ACCESS TO CREDIT ADVISORY SERVICES ASYMMETRIC INFORMATION AVAILABILITY OF CREDIT BALING BANK ACCOUNT BARLEY BEANS BIASES CASH CROPS CASSAVA CHRONIC DISEASE COFFEE COLLATERAL COMMODITY COOPERATIVES COTTON CREDIT ASSOCIATIONS CREDIT CONSTRAINTS CREDIT INSTITUTIONS CREDIT PROGRAMS CROP CROP PRODUCTION CROPPING CULTIVATION DEBT DEBT REPAYMENT DEBTS DEMOGRAPHIC COMPOSITION ECONOMIC GROWTH