Agricultural loans and grants is one of the most feasible ways of getting loan and this is because this type of loans are being subsidized by the government wherein there are no interest rate attached and at times is mostly favorable to agriculturalist and farmers alike. Also, to some extent depending on the government on seat, the loans would not be refunded which would now be more of an empowerment programs. These are the kinds of loans that should be encouraged by people and also the government should make and put efforts to give out free loans to its citizens because such loans are less or not burdensome or pressurizing, as it will not only give you time to invest but it was to give it time to maximize profit and yield dividends which will be used for repayment. Grants has always been the best alternative of starting up a lucrative venture most especially for low income users. There are many agricultural loans in my Country because one our main sources of national development comes through agricultural activities. We believe that a land filled with food is a rich land, although sadly, despite the agricultural produce and activities it does not impact the society because we buy food items at exorbitant prices and you would wonder where the agricultural produce are kept or hoarded!