“…According to Hoda and Terway (2015), since independence, rural branches of commercial banks, regional rural banks, priority sector lending, selfhelp groups-bank linkage programme, special agriculture credit plan, 2004 initiative for doubling agriculture credit, Kisan credit cards and financial inclusion programmes have been some of the initiatives for supporting and financing agriculture in India, including the rural and smallholder farmers. For example, the Etawah district's agricultural production and infrastructure have been greatly transformed since the 1966 India famine through the self-help programme (Cohen, 1987;Vernon, 1984). Despite the efforts, the notable challenge in rural and smallholder farmers has been creditworthiness as farmers have failed to repay (Kambali & Niyaz, 2021).…”