Mmari, F.W. and Raphael, G. 2023. Financial Service usage and Rice Commercialization of Smallholders Farmer in Kilombero District: The Role of Institutional Law and Regulation. PAN-AFRICAN JOURNAL OF BUSINESS MANAGEMENT. 6, 1 (Feb. 2023). DOI:https://doi.org/10.61538/pajbm.v6i1.1152.