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Access to credit has always constituted a major problem for smallholder farmers especially in Sub-Saharan Africa. There's been constant debate on best ways to improve access to credit for smallholder farmers. This work is an in depth examination of the existing problem. It is focused on smallholder funding for farmers in South Eastern Nigeria. The accessibility of funds via Microfinance Institutions in the South East of Nigeria was examined. As major producers of food consumed in Nigeria, how accessible is credit via micro fiance institutions? Can smallholder farmers in South Eastern Nigeria expand and grow via credit received from microfinance institutions?