Abstract
The study attempts to assess the credit system within the framework of the Supervised Agricultural Credit Scheme (SACS) in Enugu State of Nigeria. The emphasis is on repayment position and technical aid to female farmers. The results show that high repayment rate farmers had a larger loan size, larger farm size, higher gross income, shorter distance between home and source of loan, higher leve l of formal education, larger household size, and higher level of adoption of innovations than low repayment rate farmers. Detailed statistical analysis reveals that the number of farm visits is significantly related to the farmers' gross income while number of farmers supervised, length of service as supervisors, and level of formal training in agriculture account for less. Loan programmes for female farmers are of great importance for the development of agriculture. Their efficiency is, however, considerably determined by good quantitative and qualitative supervision and advi sory service.
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