J. Vocational Education & Technology (2012) Vol. 9 No. 2 85 ISSN: 1596-9606 The effect of micro-credit delivery on rural crop farmers in Rivers State, Nigeria. C. M. TASIE,* J. O. WONODI AND O. N. WARIBOKO Department of Agricultural Science, Ignatius Ajuru University of Education, Rumuolumeni, Port-Harcourt, Rivers State. Abstract The study investigated the effect of micro-credit delivery on rural crop farmers in Rivers State. Data for the study were collected using a structured questionnaire administered to 90 farmer’s beneficiaries using a multi-stage sampling technique. The regression result showed that semi-log function gave the best fit with the highest value of coefficient of multiple determination (R 2 ) of 0.8758 and seven explanatory variables were significant and a significant F-value. The significant variables were farm size, off-farm income, total household labour, and educational level of farmer, gender, farm household size and micro-credit delivery. The study also showed that credit impacted positively on the well-being of rural crop farmers. Micro-credit contributed to the increase in scale of farm operation, which resulted to increase in farm output and income. The study recommended that micro finance institutions and other credit delivery agencies should extend more credit to the study area to enable more farmers benefit from their services. Also training programme should be organized for all farmers in view of the fact that education produced significant influence on the income of the farmers. Keywords: Micro-credit, delivery, rural farmers, Rivers States. Introduction Agriculture is a key sector in the Nigerian economy. Its importance is particularly glaring in its contribution to Gross Domestic Product(GDP), provision of food, provision of gainful employment, provision of capital and capital formation, foreign exchange for