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The informal credit sources, though their share in the total credit market is declining, can still be reckoned as the main providers of agricultural credit mostly in developing countries of the world. The study is based on primary data; a questionnaire was designed to collect the data from the District Peshawar. It was observed that, on average 51 days were spent in the formal sector on the assessment of loan application. The transaction and total cost decreased with the increase of land ownership of the borrowers

Dr. Fazal Wahid, Dr. Fazal Wahid. (2013) Comparison of Cost Factor in Formal and Informal Credit Market, Journal of Managerial Sciences, Volume 7, Issue 2.
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