Giving and receiving loans involves risk. There are factors, unexpected mostly, that leads to complications. Hence, even with the suggestions made above, there's still risk. We can only try to reduce it to the possible minimum. Since the major reason governments and investors shun small scale farmers is because of the high risk. So how do we reduce the risk? I think more small scale farmers friendly policies should be made. Policies that focuses more on empowering the small scale farmers who make up a rather significant percentage of the nation's farmers. It could come under poverty alleviation or even national development agendas. The government must be willing to take risks. Also, I think education of farmers is very important. Many of them don't really know how all this loans and grants stuff work. Therefore, they flounder in their returns. Agriculture extensionists should also include training on how getting and returning loans work in their programmes. The media can also be used to sensitize and motivate farmers on loans. This will encourage them to try to come for it and also, having knowledge of its workings, they would more likely ensure returns. Finally, it is important to realize that risks cannot be totally eradicated. Human nature and psychology play an important role in these matters. And they can be unpredictable, even to the greatest shrinks. So I think risk evaluation should be given special attention. Understanding of the risks involved would open more ways to reducing or avoiding the risks, and as a result, improve the loaning culture between farmers and government/investors.