The issue of funding in agriculture has posed serious challenges to development of agriculture in Nigeria no doubt. But i believe if there can be an holistic approach to the problem then we may have headways. In the sense that looking at agricultural operations be it livestock or animal production majority of what is required are inputs instead of provision of capital fund to smallholder farmers i will sugest priv-govt should provide all neccessary input as grants or loan these will not only boost farmers productivity but also curb the issue of farmers diversion of loans for other purposes.. secondly financial institution should stop viewing agric investment like other form of investment e. g oil and gas,mortgage,real estate as these are investment with high ROI and can be quickly liquidated but rather agric should be seen as a social investment (with multiplying effect on the economy) that are subject to high risk and uncertainties that make agric take a while before the ROI are even made. therefore, if financial instituition can see agric in this light, then their agricultural fund/loan/grants policies will be reviewed for the interest of the smallholder farmer whose major aim is just to get enough to feed himself and his family with some little savings..