First, we've the policies & well drafted plans in place but they are not being acted upon as a result of greed, avarice, corruption & the likes. implementation and action solves this issue. Secondly, the ROI for small scale farmers are low, hence the difficulty in paying back the capital. Hence the interest rate should be removed & payments options should be flexible. Farmers should be able to pay back with output which worth the capital sum loaned. Third, small scale farmers do divert such loans obtained for weddings, parties and other activities that yields no income. This can be curbed by having agencies in place to monitor the farmers activities whilst having the fund released bit by bit. Furthermore, government should ensure they have the proper channels & methods that can be used to recover loaned money which are usually left unpaid by defaulters. Lastly, Farmer's should be supported with the technical know-how, proper monitoring and adequate distribution of such allocations, trainings & devising several ways of recovering loans.