Omotesho, O. A.Falola, A.Abiri, T. R.2023-12-112023-12-112015-09-26Adesiji, G. B., Matanmi, B. M., Falola, A. & Ahmed, T. A. (2011). Effects of credit utilization on youth farmers’ rice output in Patigi Local Government Area of Kwara State, Nigeria, Journal of Agriculture and Social Research, 11(2): 1 - 8. Adeyemo, R. (2008), ‘Terformance of Public and Cooperative firms: Evidence from Consumers”. International Journal of Cooperative Management. 4(1):55 - 64. Agwu, A. E. (2004). Factors influencing the adoption of improved cowpea technology in Nigeria, Journal of International Agriculture and Extension Education. 11(1):81 - 84. Akpokodje, G. & Olomola, A. S. (2000). Summary and policy implications of crop production and output value in Nigeria, NISER annual survey of crop production in Nigeria, Pp. 41-45. Ogbomoso CBN (2009). Central Bank of Nigeria Annual Report and Statement of Account. Pp. 287. Gujarati, D. N. & Sangeethe (2007). Basic Econometrics, New Delhi: Tata McGraw- Hill Publishing Company Limited, 4th edition, 1036 pp. Iheke, O. R. (2006). Gender and resource use efficiency in rice production systems in Abia State of Nigeria, Masters Thesis, Michael Okpara University of Agriculture, Umudike, Nigeria. 134pp.https://keffi.nsuk.edu.ng/handle/20.500.14448/2900This study examined the impact of Commercial Agriculture Credit Scheme (CACS) on farm households' income in kwara State, Nigeria. The study stemmed from the need to boost agricultural production in Nigeria through adequate finance. Primary data obtained from 119 beneficiaries of the scheme were used for the study. Descriptive statistics and regression analysis were used for the analysis. The results showed that most of the beneficiaries were middle-aged (26 - 55years, mean = 4 lyears), male (75.6%), married (97.5%), had formal education (91.6%) and mostly engaged in arable crop production and mixed farming. The study also showed that the educational level of the beneficiaries, amount of loan obtained and cooperative membership were positively related to the total revenue of the beneficiaries while age of the household head was inversely related to it. The major problems encountered in the scheme were untimely disbursement of loan and short repayment period. However, the study revealed that the scheme had a positive and significant effect on income of the beneficiaries. It is therefore recommended that timely disbursement of loan, giving the beneficiaries sufficient time before repayment, encouragement of young and educated prospective beneficiaries as well as involvement of the beneficiaries in cooperative societies would better enhance the impact of the scheme on the beneficiary fanners.enCredit scheme, beneficiaries, farm household's income, factorsArticle