1Department of Banking & Finance, Michael Okpara University of Agriculture, Nigeria
2Department of Educational Management, Michael Okpara University of Agriculture, Nigeria
*Corresponding author: Sebastian O Uremadu, Professor of Banking & Finance, Department of Banking & Finance, College of Management Sciences (COLMAS), Michael Okpara University of Agriculture, Umudike, Umuahia, Abia State, Nigeria
Submission: April 06, 2017; Published: June 22, 2018
ISSN: 2637-7659 Volume2 Issue4
Paper examined core issues inherent in agricultural loans to farmers using fundamental analysis method in its discussions and analysis. First, paper considered factors contributing to high risks in agricultural lending and how to manage them, second, factors of non-financial commercial bank lending were treated and third, financial factors considered by banks in making loans have been examined. In all, these factors and their implications to agricultural diversification of the Nigerian economy were discussed with a view to enhancing the agricultural productivity that would launch Nigeria into self-sufficiency in food production and exports in the 21st century.