Agricultural Bank Research Articles

Main Trends in the Chinese Banks` Activities in Russia at the Beginning of the 14th Five-Year Plan

The article analyzes the Chinese banks` activities in Russia in the first years of the 14th Five-Year Plan (2021–2025). Four subsidiaries of state-owned commercial banks (ICBC, Bank of China, Agricultural Bank of China, China Construction Bank), and two representative offices of China Development Bank and Export-Import Bank of China respectively, operate in the Russian market. The banks provide a full range of banking products and services primarily to companies doing business with China, including lending, accounts opening and maintaining, foreign exchange and financial transactions, and letters of credit business. The author notes a significant increase of Chinese four subsidiaries` assets during 2022–2023. Regarding the liabilities, there was also a growth in the category "amounts due to credit organizations" (other banks` LORO accounts` transactions, interbank operations), which is associated with the necessity of an increased number of client payments due the increasing volume of Sino-Russo trade turnover and restrictions on settlements on USD and EUR. These trends have contributed to the growth of both the client base and profits of Chinese subsidiaries that charge commissions for account maintenance, settlements, and, moreover, had a positive impact on the increase in the volume of settlements in national currencies. The article analyzes the structure of settlements under foreign trade contracts and draws a conclusion about the growing predominance of national currencies. The author notes that in general, Chinese financial institutions pursue a cautious credit policy, focusing on maintaining stability and leveling various risks.

Impact of bank of agriculture credit’s on agricultural productivity in South Western Nigeria

This study examined the impact of Bank of Agriculture (BOA) credit facilities on agricultural productivity in the South-West region of Nigeria. A multi-stage sampling technique was employed to select 225 beneficiaries and 630 non-beneficiaries farmers. Descriptive statistics were implemented to investigate the socio-economic attributes of the respondents. Impact of credit was analyzed using Propensity Score Matching (PSM), and the productivity of producers was analyzed using Total Factor Productivity (TFP). The respondents' average age was 47.6 years, and 87.0% of them were male. The average PSM score was 0.269, with four matching methods (Nearest Neighbour, Radius, Kernel, and Stratification matching) being implemented. The maximum and minimum propensity were 0.8207 and 0.0525, respectively. Both the balancing property and the region of common support (0.0503, 0.8209) were satisfied. The average treatment effect on the productivity differences of the treated (ATT) was approximately 0.347, and this difference was statistically significant at the 1% level. Productivity of ATT varied by approximately 21.0%. In summary, this investigation provided compelling evidence that the BOA credits have a positive impact on agricultural productivity in the South West. It was suggested that administrations at all levels and financial stakeholders should collaborate to ensure that producers have access to credit.

Determinants and Constraints of Access to Credit by Poultry Egg Farmers in Ogun State Nigeria

Access to credit is crucial for the advancement of the poultry industry in Nigeria, yet a significant portion of poultry farmers lack access to formal credit sources. This study investigates determinants and constraints to credit access among poultry egg farmers in Ogun State, based on data collected from 180 farmers using a multi-stage sampling technique. Descriptive statistics and a Logit regression model were employed for analysis. About 33.3% of the farmers were within the age range of 41-50, poultry farmers of 62.2% within the region were more of male farmers while 75.6% of the farmers were educated up to tertiary level. Only 45% of respondents had credit access, with varying sources: 19.8% from commercial banks, 37% from cooperatives, 18% from microfinance banks, 2.5% from the Bank of Agriculture, 6.2% from government sources, and 12.3% from private organizations. The Logit model revealed that farming experience and flock size significantly influence credit access (p<0.01). For each year of farming experience, there is a 4.8% increase in the likelihood of credit access. Similarly, for each unit increase in flock size, there is approximately a 0.04% rise in credit access likelihood. Descriptive statistics highlight constraints to credit access: lack of awareness (5.1%), absence of collateral (30.3%), lack of interest (5.1%), loan denial (12.1%), high interest rates (27.2%), regulatory hurdles (8.1%), and inadequate documentation (12.1%). It is recommended that policymakers and financial institutions develop tailored credit products for poultry farmers, addressing specific challenges such as collateral requirements and high interest rates, this is because once financial barriers are removed production is likely to improve. Additionally, enhancing farmer awareness of available credit options and simplifying application processes can improve credit accessibility in the sector.

Growth and Performance of Self Help Group’s - An Exploratory Study

Today there are Mainstream Micro Finance Institutions like National Agricultural Bank for Rural Development (NABARD), Small Industries Development Bank of India (SIDBI) etc., which are creating micro credit, in rural areas by extending micro finance to Self Help Group (SHG’s) with the help of formal credit institutions, making it an effective poverty reducing strategy and simultaneously promoting rural development. SHG’s were initiated to empower the economically disadvantaged people, who were neglected by formal credit and savings institutions. Micro finance has shown that poor people, when given access to timely and responsive financial assistance, use the proceeds to not only increase their assets and income, but also repay their debts. NABARD, through its Micro Credit Innovations, is the facilitator and mentor of microfinance initiatives in the country. The model of Self help group- bank linage programme (SBLP) has evolved as a cost-effective mechanism for providing financial services to the unreached and deserving poor households. The initiative started as a pilot to link around 500 SHGs of poor to the formal financial institutions during the year 1992-93.The success of the pilot program has shown that Micro Finance can go beyond poverty reduction, to addresses issues of health, education, gender and over all development The present paper is a comparative study of the agency wise i.e. commercial banks, regional rural banks, and cooperative banks, performance in the SHG’s - bank linkage program in Telangana, from2014-18,. The paper also presents an in-depth, analysis of the number of self-help groups, Amount of savings outstanding, amount of loan outstanding of the SHGs, , and total loans disbursed to them through SBLP, generating micro credit to reduce poverty and boost rural development. Key words: NABARD, Micro Finance, SHG’s, SBLP, poverty reduction, rural Development,

CAPITAL STRUCTURE AND THE PERFORMANCE OF DEVELOPMENT FINANCE INSTITUTIONS IN NIGERIA

The study investigated the effect of capital structure on the performance of selected Development Finance Institutions (DFIs) in Nigeria. The study specifically examined the effect of Total Debt to Total Assets (TDTA) on performance of selected of development finance institutions in Nigeria; and ascertained the effect of Total Debt to Total Equity (TDTE) on performance of selected development finance institutions in Nigeria. The study adopted an ex-post facto research design and data were collected from published annual financial records of the selected DFIs on both TDTA and TDTE, the independent variables and Return on Assets (ROA), the dependent variable, for a period of ten (10) years (2013-2022). The population of the study composed of seven (7) national DFIs namely: Central Bank of Nigeria (CBN), Bank of Agriculture (BOA), Bank of Industry (BOI), Development Bank of Nigeria (DBN), Federal Mortgage Bank of Nigeria (FMBN), Nigeria-Export-Import Bank (NEXIM) and the Infrastructure Bank Plc (IBN). The study sampled four (4) national DFIs using a purposive sampling technique, including CBN, BOI, FMBN and NEXIM. Computation of the relevant ratios were done for the independent variables (TDTA and TDTE); and the dependent variable (ROA). Data analysis was done using multiple regression and the econometric technique of Dynamic Ordinary Least Squares (DOLS) with the aid of E-Views Version 13. The study found that TDTA has a negative but significant effect on ROA, indicating that a percentage change in TDTA leads to lower ROA by 0.071551 and TDTE has a positive effect of TDTE on ROA, showing that a percentage change in TDTE will significantly increase ROA by 0.001696. The study concluded that the investigated DFIs have low equity capital which seems to hinder their ability to attract large loans for operations. The study recommended amongst others that DFIs should maintain a balanced total debt to total assets (TDTA) and ensure the regular monitoring of the debt-to-asset ratio to ensure it remains within a healthy range which will help maintain a balance between leveraging and risk.

Agrarian Distress in Indian Agriculture: Causes, Socio-economic Consequences and Coping Strategies

Agrarian distress is the economic, political and social challenges faced by the farmers and rural communities due to factors such as low crop yields, fluctuating prices of agricultural produce, high input costs, indebtedness, and lack of access to credit, markets, and infrastructure. Over 8,00,000 individuals are dies by suicide each year because of various reasons. More over the suicides are happening in the families whose own land is less than 1-2 hectares, who are in debt, have been identified the most at risk for suicide. The present article aims at better understanding of the causes, consequences and possible coping strategies for the agrarian distress in India. Causes such as fluctuations in crop sales, weather and climate conditions, dependent on natural resources, etc. are discussed in detail. Consequences of agrarian stress are suicides of farmers, rural migration, food insecurity, environmental impacts and so on. Solutions such as strengthening the forward markets, comprehensive crop insurance schemes for the framers where the non-MSP (Minimum Support Price) crops also may be covered, assured price to the farmers are discussed. Many researchers argued that farmers suicides are increasing but the research is limited in the specialised area of interest. In addition to that, researchers are focussing only on the socio-economic variables rather than the psychological variables. In order to mitigate the risks out of agrarian distress, farmers should be encouraged by the government and extension service providers to take up the subsidiary occupations and secondary agricultural occupations which helps them in getting profits in the situations where the crop damages due to the extreme weather patterns. As rightly pointed out by National Bank for Agriculture and Rural Development (NABARD), distress of the framers should have a long-term potential solution such as major reforms in the existing agricultural laws rather than farm loan waivers which acts as the short-term relief to the farmers.

Regional analysis of agricultural bank liquidity

PurposeThe purpose of this article is to determine the regional economic factors and bank characteristics that significantly contribute to changes in bank liquidity. We also seek to identify regions that may be most susceptible to liquidity tightening.Design/methodology/approachFor this article we use data on deposits from commercial banks, Federal Reserve survey data and indicators of regional and agricultural economic conditions. We specify a panel regression with fixed effects to model how liquidity at agricultural banks has changed and to identify the most significant drivers.FindingsOur results suggest that small banks and banks with branch networks located in areas more concentrated in agricultural production bear the greatest risk of reduced liquidity.Practical implicationsPrior to the pandemic and more recently, lower deposit growth, combined with strong demand for agricultural loans, has led to reductions in liquidity at agricultural banks. Lower liquidity could reduce credit availability for farm borrowers and increase risks for banks that must rely on alternative sources of funding to meet loan demand.Originality/valuePrevious research has shown that exogenous shocks from other economic sectors, such as energy, can significantly affect bank liquidity, but research is limited on how agricultural bank liquidity is affected by downturns in the agricultural economy and other regional economic factors. Another contribution is this paper’s analysis of regional disparities in bank liquidity.

Tactics for Creating Tree Bank for Community Environment and Household Economy in Thailand

This article aimed to present strategies for creating a tree bank. Activities in tree bank plots for sustainable community environmental management and raising the household economy according to the new economic model were studied. The research area is a community that has successfully managed a tree bank and has been praised as a model in 3 regions, including 3 locations: Ban Tham Suea tree bank in Phetchaburi province, Khao Chakan agroforestry tree bank in Sa Kaeo province and Ban Khlong Ruea tree bank in Chumphon province. Data were collected through in-depth interviews. Group interviews were conducted and tree survey plots in the field were prepared. Committee members of the Tree Bank and representatives of the 3 Bank for Agriculture and Agricultural Cooperatives (BAAC), 11 people each, totaling 33 people were purposive sampling. Content analysis and the abundance of plant species were analyzed using the Menhinick (1964). The research results showed that the strategy for creating a tree bank involved group forming of household members with their own land by planting trees in agroforestry plots. The group acquire wood as an asset and use trees as collateral to guarantee loans from financial institutions that are guaranteed by the state. Environmental activities were organized by planting trees of at least 25 perennial trees per rai. 58 plant species as specified by the BAAC were chosen. Nourish the soil with compost made from scraps of leaves and branches. The richness index (R2) analysis showed that the abundance of tree species in all plots was at a high level (R2 =2.5-4.5). In terms of upgrading the household economy, knowledge of the production of firewood and burn charcoal, wood vinegar from trees, wood processing for house construction and furniture products was disseminated by the tree bank by organizing learning center and eco-tourism. Collaborative networks with organizations and educational institutions were built in order to use the tree bank for sustainable development.

Improving business processes in the agricultural sector considering economic security, digitalization, risks, and artificial intelligence

The study aimed to address ways to improve the efficiency of agribusiness through the introduction of modern technologies and innovative approaches. The methods of quantitative and qualitative analysis of financial indicators, analytical reviews, and specific examples of technology implementation were used to achieve this goal. The study emphasises the impact of digitalisation of the agricultural sector on improving economic security, efficiency and competitiveness. The introduction of digital technologies, such as the Internet of Things, process automation and precision farming, is helping to optimise production processes, reduce costs and improve product quality. The study results show that the concept of smart farming significantly increases the efficiency of agribusiness. The use of Big Data, blockchain technologies, drones and satellite technologies provides better management of agribusiness, while artificial intelligence helps to predict yields and optimise agricultural processes. Risk management in the agricultural sector, including insurance and financial instruments to hedge price fluctuations, is a key factor in enhancing economic stability. The experience of leading global companies such as John Deere, Agricultural Bank of China, Fruition Sciences, TE-FOOD and FieldView has shown the effectiveness of digital technologies and innovations in improving efficiency and sustainable development. Particular attention is devoted to the problems and prospects for the introduction of modern technologies in the agricultural sector of Ukraine on the example of Myronivsky Hliboproduct. An integrated model for improving the business processes of Myronivsky Hliboproduct is proposed, including the digitalisation of production processes, the introduction of blockchain technologies, the use of AI and risk management. Necessary steps to overcome existing challenges, such as insufficient funding for innovation, infrastructure constraints, staff training and cybersecurity, were determined. The implementation of the proposed measures will allow the company to become a leader in the implementation of innovations in the agricultural sector of Ukraine, increase competitiveness and ensure sustainable development in the future

Youth Migration and its Resultant Effect on Small-Scale Fish Farming in Southwest Nigeria

The study aimed at assessing the effects of rural youths’ migration pattern on small-scale fish farming in southwest Nigeria. Primary data were obtained from 440 fish farmers with the aid of a well-structured questionnaire, using multi-stage random sampling technique. Data collected were analyzed using descriptive statistics and likert scale rating techniques. The results showed that majority of the fishers were married males with mean age, household size and fishing experience of 44 years, 6 persons and 14 years respectively. It was further revealed that scarce employment opportunities (89.1%), flood/drought (85.7%), poverty (79.8%) and insurgency/displacement (75.5%) were the major push factors triggering rural youth’s migration in the study area while attractive wages/high income (98.0%), diverse employment opportunities (90.2%), alternative source of income during off season (86.1%) and availability of improved technologies (70.7%) were the major pull triggering youths’ migration in the study area. Thus, provision of loan to fishers at flexible interest rate, availability of improved fishing equipment, establishment of vocational training centres, integrating rural youth into empowerment programmes and provision of improved fishing methods to attract youth were the main strategies that could be used to checkmate rural youth migration in the study area. It was therefore recommended that Bank of Agriculture should be encourage to give out minimal loan interest rate to fishers at flexible repayment plans, empowerment/skills acquisition/entrepreneurship programmes should be established.

What explains the operational efficiency of listed commercial banks in China? Evidence from a three-stage DEA-tobit modeling analysis

Based on the actual situation of listed commercial banks in China, this study utilizes a three-stage DEA model to eliminate external macro-environmental factors and random error factors. As a result, the study objectively measures the true efficiency values of 42 listed commercial banks in China from 2015 to 2021. On this basis, a Tobit model is constructed to analyze the micro-level factors influencing the operational efficiency of listed commercial banks in China.Empirical research shows that the operational efficiency values in the first stage are significantly lower than those in the third stage. Analyzing the proportion of banks with an efficiency value of 1, it is found that state-owned banks and joint-stock banks account for a large proportion. The proportion of city commercial banks decreases significantly, while agricultural banks and commercial banks have the lowest proportion. In addition, the Tobit regression results show that bank size, innovation level, profitability, and development capacity have a significant positive impact on the operational efficiency of listed commercial banks in China at the current stage. Based on the above empirical results and analysis, specific measures are proposed to improve the operational efficiency of listed commercial banks in China.Based on the above empirical results and analysis, the study finally suggests the following specific measures to enhance the operational efficiency of listed commercial banks in China: 1. Strengthening technological investment to achieve diversified operations and cultivate new niche markets; 2. Emphasizing intermediate business income to enhance market competitiveness; 3. Undertaking digital transformation and upgrading to improve sustainable profitability.

Resilience of agricultural banks during economic downturns

PurposeAgricultural banks likely respond differently to economic downturns compared to nonagricultural banks. Limited previous research has examined the performance of agricultural banks under economic crisis and in the presence of banking regulations. This study aims to explore agricultural banks' responses to economic and regulation shocks relative to nonagricultural banks.Design/methodology/approachThis study uses bank-quarter level data from 2002 to 2022 for virtually all commercial banks in the U.S. In this research, the Z-score measures the bank’s default risk, the return on assets measures bank profitability and changes in amount of farm loans indicate the wider impact on the agricultural sector. Effects of the financial crisis, Basel III reforms to banking regulation and the coronavirus (COVID-19) pandemic on these banking measures are assessed using distinct empirical frameworks. The empirical estimations use various subsamples based on bank types, bank sizes and time periods.FindingsEconomic downturns are associated with fluctuations in returns and the risk of default of commercial banks. Agricultural banks appeared to be more resilient to economic downturns than nonagricultural banks. However, Basel III regulated agricultural banks were more likely to fail amidst the pandemic-related economic shocks than the regulated non-agricultural banks.Originality/valueThis study examines the resiliency of agricultural banks during economic downturns and under postfinancial crisis regulation. This is one of the first empirical works to analyze the effectiveness of Basel III regulation across bank types and sizes considering the COVID-19 pandemic. The key finding suggests that banking regulation should consider not only size heterogeneity but also the heterogeneity in lending portfolios.

ASSESSMENT OF ANCHOR BORROWER PROGRAM AMONG MAIZE FARMERS IN KAURU LOCAL GOVERNMENT AREA OF KADUNA STATE, NIGERIA

The study assessed Anchor Borrower Program (ABP) among maize farmers in Kauru Local Government Area of Kaduna State, Nigeria. Multi-stage sampling techniques consisting purposive and random sampling was used in selection of 157 farmers for the study. Data were collected using structured questionnaire and analysed using both descriptive and inferential statistics. The results revealed that maize farmers were age range of 30-39 with an average age of 41 years. It also revealed that (74.2%) of the farmers were male. The result further shows that majority (73.5%) of the farmers were married with an average of 22 years of farming experience. The result further reveals that majority (87.4%) of the farmers took farming as a major occupation. It also showed that 34.4% maize farmers had attended tertiary education as their level of education. Majority (89.56%) of the farmers acquired their land through inheritance, while majority (64.9%) of the farmers had farm size of 2.5 to 4 hectares with an average farm size of 2.5 hectares. Result further shows that 31.4% of the farmers acquired their loan through uptakers and 29.6% of them acquired their input through Bank of Agriculture. The results also revealed that majority (87.4%) of maize farmers had increase in income after using the loan. The results of regression analysis revealed that R2 was 0.365 meaning that 36.5% of the variation in the dependent variable was explained by the independent or explanatory variables included in the model. The coefficient of age and marital status has a negative and significant at a P<0.01 level of probability, farm size and land tenure had a positive coefficient and highly significant at P<0.01. The major constraints affecting farmers in anchor borrower programme were fluctuating of price, cumbersome process or stringent process, distance from financial institution, high Family expenditure and low productivity due to harsh weather condition. The study concluded that ABP enhanced the output and income of maize farmers in study area. Based on the finding, it is recommended that, all stringent conditions attached to access to loan for agricultural production should be removed, ABP facilitators should ensure timely disbursement of funds and input before planting commences.

High-end Customers Loyalty among Selected Public and Private Banks in Yantai City, Shandong Province, China: A Service Marketing Guide for Financial Institutions

The ultimate goal of studying high-end customer loyalty is to identify their shortcomings in customer maintenance and provide appropriate service marketing guidelines for public and private banks. This study selected the high-end customer groups of Agricultural Bank of China and Hengfeng Bank as specific research objects and collected a total of 380 data for mean, standard deviation, and correlation analysis. Through statistical analysis of data, it was found that high-end customers have varying degrees of perception towards service quality, perceived value, and customer satisfaction. There is a positive correlation between potential factors of customer loyalty and various dimensions to varying degrees. In order to improve the correlation between variables, this study provides relevant suggestions for public and private banks from three aspects: service quality, perceived value, and customer satisfaction, guiding them to maintain and improve the loyalty of high-end customers to financial institutions.

A Study on Agricultural Loans offered by NABARD to Farmers

This study delves into the comprehensive landscape of agricultural loans disbursed by the National Bank for Agriculture and Rural Development (NABARD) to farmers in India. The research scrutinizes the varied purposes for which these loans are extended, encompassing crop cultivation, animal husbandry, dairy farming, poultry, fisheries, and agro-processing. Emphasizing the different loan types – short-term, medium-term, and long-term – the investigation explores the interest rates associated with each category and evaluates the role of government subsidies in enhancing affordability. Additionally, the study investigates the credit delivery mechanism facilitated by NABARD through cooperative banks, regional rural banks, and commercial banks, ensuring an inclusive approach to reach farmers across diverse strata. The research underscores the technological impetus provided by NABARD, encouraging farmers to adopt modern agricultural practices and technologies. Special attention is given to risk mitigation measures, including crop insurance, designed to shield farmers from losses arising due to unforeseen circumstances. Keywords: NABARD, Agricultural Loans, Farmer Financing, Credit Delivery, Government Subsidies, Rural Development, Risk Mitigation, Financial Inclusion, Technological Adoption, Indian Agriculture.

The Impact of Digital Transformation on Organizational Performance in the Banking Sector in Egypt with Application on the Agricultural Bank of Egypt"

The Impact of Digital Transformation on Organizational Performance in the Banking Sector in Egypt with Application on the Agricultural Bank of Egypt"

Specialized Bank Performance and the Challenge of Term Finance By IJISRT

This paper aimed to assess the role of specialized state-owned development banks in Sudan in promoting, developing and acquisition of agricultural technology. The study stressed its role exemplified by the Agricultural bank of Sudan(ABS) as a development bank and how to tackle commercial issues. The main focus of the study is to study the means and modes adopted by the specialized bank and its role in developing the agricultural sector. Primary and secondary data were collected from the Agricultural Bank of Sudan by structured questionnaire. Targeted random sampling were followed to cover about 59 bank employees (main branch/ headquarter). Statistical Analysis and chi-square test were done using the Statistical Analysis Program (SAS) Program. The results showed Murabahah which is an Islamic and a trade-based mode was dominant. The study revealed that the bank should compromise its role commercially and developmentally in financing agricultural technologies. It should adopt reliable innovative modes to help farmers achieving high levels of technology in agricultural production. Musharakah which is a form of partnership and an Islamic mode of finance is not widely used. It is a participatory approach in which both partners participate in the management and provision of capital and also share in the profit and loss. The study recommended Musharakah as the most appropriate mode to develop agricultural technologies in the sector.

Performance of RRBs in pre-Merger and post-Merger period

Regional Rural Banks are established under the provisions of an ordinance promulgated on 26th September, 1975 and the RRB Act, 1976 with an objective to ensure sufficient institutional credit for agriculture and other rural sectors. Reforms and mergers introduced by the Government of India in consultation with Reserve Bank of India (RBI) and National Bank of Agriculture and Rural Development (NABARD) in the year 1994-95 to 2005-06. So, there is a need to study the growth and financial performance of Regional Rural banks in India in pre-Merger & post-Merger period. The study is based on secondary data collected from annual reports of NABARD and RBI. In order to provide access to low-cost banking facilities to the poor rural banking in India was started. Rural banks in those days mainly focused upon the Argo sector. RRBs in India penetrated every corner of the country and extended a helping hand in the growth process of the country. This research aim is that to analyze the financial performance of RRBs before amalgamations and after amalgamations. As spread ratio comprises of Interest income earned and interest income expensed divided by total assets. The other financial indicators such as no. of RRBs, branches, district coverage, deposits and advances have shown growth but it is not significant growth. The Internal working group of the Reserve Bank of India (RBI) suggested that merger and amalgamation of Regional Rural Banks (RRBs) may help in improving their health and viability, even as it sought to bring in new banks both public and private as sponsors of the merged RRBs.

ADOPTION OF SORGHUM NATIONAL INTEGRATED SOLUTIONS TECHNICAL PACKAGE BY RAINFED FARMERS, GEZIRA, SUDAN

The effect of climate change on African agriculture represents a major challenge to continental agricultural development including food security, nutrition and management. In Sudan, the yield of rainfed crops is characterized by high variability in the yield due to the high variability in seasonal rainfall and does not exceed two sacs/feddan because the rainfed farmers were adopted low input rainfed agriculture as a risk management option which led to reduce in the yield per unit of land and water. The Federal Ministry of Agriculture has designed and financed a special programme for the traditional the rainfed sector of the country called Integrated Solutions Programme as the main adaptation strategy for the 2014/ 2020 growing seasons to diversify and increase production and productivity of crops cultivated in traditional rainfed areas in each State of the country such as sorghum, sesame, millet and sunflower. This programme was implemented by the Administration of Agricultural Extension and Technology Transfer in each State in collaboration with Agricultural Research Corporation (ARC) and the Agricultural Bank of Sudan. Field survey was used to collect data from 50 rainfed farmers participated in the programme and an equal number from non- participant farmers from the study area were selected (for comparison) using the simple random sampling technique. A close ended questionnaire was constructed and the personal interview technique was used to administer the questionnaire. The collected data were coded, fed to computer and statistically analyzed using (SPSS), discussed interpreted using descriptive statistics and chi-square test. The results showed that the participant farmers adopted the programme components. The majority of chi-square test results revealed no significant association between farmer`s adoption of the programme components and participation in the programme and also no significant association between farmer`s adoption of the programme components and the selected socio-economic characteristics of the respondent farmers. From this study, it can be concluded that the NISP are very effective agricultural extension policy that can be applied in the rainfed sector of the country, which will help rainfed farmers to increase their income through their participation in various activities of the programme. The study recommends that NISP should become the main national policy specially designed for the agricultural rainfed sector of the country, the needed agricultural inputs should be available at a reasonable price, the curriculum of NISP should be updated and developed regularly to solve the constraints that might face the programme, in-service training should be organized for agricultural extension officers on various aspects related to the rainfed sector, various means for conduction the programme should be available, Further agricultural extension research should be conducted

Introduction about world agricultural Bank

A type of bank that lends money to farmers for longer periods of time and charges them less interest than other types of banks. In the Paleolithic Levant, 23,000 years ago, cereals cultivation of emmer, barley, and oats has been observed near the sea of Galilee. Rice was domesticated in China between 11,500 and 6,200 BC with the earliest known cultivation from 5,700 BC, followed by mung, soy and azuki beans Agricultural Bank of China, also known as AgBank, is one of the "Big Four" banks in China. It was founded on 10 July 1951, and has its headquarters in Dongcheng District, Beijing. It has branches throughout mainland China, Hong Kong, London, Tokyo, New York, Frankfurt, Sydney, Seoul, and Singapore. This study were examined relationship between BANK CREDITS and investment growth of agricultural in international sector.The results confirm the existence of a long-run relationship between variables in model. In addition, according to the results, bank credit is the most significant variable in explaining the GROWTH INVESTING, so that increases access to it will encourage growth investment of the agricultural sector. The first official agricultural finance institution of Iran was established in 1933.