Problem of agriculture credit is because of two reasons:- J Non availability of agriculture credit | ( ( Improper distribution system | ( | Challenges and problems face by the farmers in absence of credit: } | Adoption of new technology ] { Land improvements | { Building up of irrigation and marketing infrastructure | | Widening the gap between marginal, small and large farmers |Agriculture credit Availability distribution institutional — non institutional RBI (RDIF) NABARD microfinance kisan credit card scheme RRBs * PRIs * NGO's * SHGsProblems In starting agribusiness enterprise High requirement of working capital Low availability of sophisticated equipment and machinery Less attractive remuneration for talent as compared to contemporary disciplines Inadequacy in developed linkages between R&D, laboratory and industry Competition from global and domestic players Loss of trained manpower due to prevailing good working conditions in branded entities Rapid development in contemporary and requirement of the industry is leading to fast obsolescence