In this Book Dr Lawal Mohammad Anka has made a Modest Attempt to Analyse and examine various important Issues like Adequacy, Utilization and Repayment of Agric Credit in Nigeria.The Book is Analytical and Comprehensive.While Investigating the reason for inadequacy some suggestions have been outlined for formulating suitable policies to achieve the desired objectives of providing Access to Credit to Small Scale Farmers.Finally this research Study will Contribute towards the Success of Government Agricultural Transformation Agenda of the 21st Century.