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This study examined the impact of financial inclusion on agricultural sector productivity in
Nigeria. The study adopted the Classical Linear Regression Methodology. The Johansen co-integration
test showed the existence of long run relationship between financial inclusion and agricultural sector
productivity. The regression result showed that commercial bank credit to agriculture, agricultural
credit guarantee scheme fund, rural deposit and exchange rate has a significant and positive
relationship with agricultural sector productivity, while inflation has a negative relationship with
agricultural sector productivity. Based on these findings, the study recommended that government
should provide appropriate policies that will facilitate sustainable financial inclusion. Commercial
banks should be encouraged to participate in rural banking, thus, encouraging high involvement in
rural areas through the building of bank branches and also providing soft loans to farmers in rural
areas. Finally, the government should ensure that the conditions and terms of accessing financial
products and services, such as loans and credits are properly monitored to ensure that the conditions
are not detrimental to agricultural sector productivity.
