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Agricultural credit refers to financial resources provided to farmers, agricultural enterprises, and other actors involved in agricultural production to support farming activities, including the acquisition of inputs, investment in production assets, and management of agricultural operations. It encompasses various forms of financial arrangements, such as short-term production loans, medium- and long-term investment credit, and other formal or informal lending mechanisms designed to meet the financing requirements of agricultural activities ^[1]. Agricultural credit is characterized by its connection to the seasonal nature, production risks, and capital requirements of agricultural systems, where repayment capacity is often influenced by factors such as harvest cycles, market conditions, and environmental variability ^[2]. Unlike general commercial credit, agricultural credit specifically addresses the financial needs and constraints associated with agricultural production and rural economic activities. Within agricultural development contexts, agricultural credit represents an institutional mechanism linking financial services with agricultural resource allocation, technology adoption, and farm management decisions ^[3].