Adequate availability of credit on time is an important requirement for the investors, particularly under conditions of scarcity of resources and uncertainty. Convenient and safes-saving facilities are perhaps even more important to smooth out the peaks and troughs in incomes and expenditures. This study assesses the impact of agricultural credit on women small scale cottage agribusinesses in Kura Local Government, Kano State. The study employed both primary and secondary method of data collection with 45 selected small scale women cottage businesses in Kura Local Government. The study employed survey approach through cross sectional design as method used in data collection. Statistical Package for Social Sciences (Version 21) was used to analyze the data from the respondents where correlation and regression analysis was used to analysed the data. The findings of the study revealed bank’s agricultural credit has been established one of the basic human rights access to credit in cottage agribusinesses for productivity and rural empowerment. An overwhelming success can be achieved positively when a change in the loan default attitude among the borrowers and the society can be redirected to small scale women cottage agribusinesses. The study recommends that women farmers should be encouraged to be applying for loans from the participating banks or other lending sources to enhance their agribusinesses activities and productivity; and also to repay the loans as and at when due.
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