Abstract
Although the writer would not necessarily agree with Elliot (1969) that the most serious bottleneck to agricultural development in Zambia is seasonal, short-term credit, long-term credit and infrastructural capital, it is nevertheless clear that a comprehensive and adequate agricultural credit service has yet to be provided. In the provision of this the commercial banks have a role and one that can be justified from the point of view of all parties concerned. One commercial bank has demonstrated what can be done through maintaining a reasonably consistent policy. The cause of more rapid rural development can only be enhanced by a more general adoption of such a policy in close co-operation with Government.
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