TAGDev Resources Open Access Institutional determinants of credit utilization in the savings and credit cooperatives in Soroti district, Uganda J.G. Agea · Deborah Alio · W. Ekere · F.B. Matsiko +1 more Rural credit schemes have been espoused as key avenues for reducing rural poverty. Their success, however, continues to be hampered by institutional inefficiencies and poor allocation of loans. This study examined the institutional factors… RUF-37182 2017 CC BY 4.0 27 Sep 2017