Rice agriculture provides millions of households with a steady source of income and employment. However, for small and marginal farmers, the exorbitant cost of production inputs presents a formidable obstacle in their pursuit of acquiring it. Credit constraints are a significant impediment to the adoption of agricultural technologies. Therefore, this paper identifies the determinant of access to rural credit and its impact on Boro rice production technology adoption in Bangladesh using cross-sectional data. The study employed probit regression, propensity score matching (PSM), inverse probability weighting (IPW), and inverse probability weighted regression adjustment (IPWRA) techniques. The findings indicate that age, family size, working members, and involvement in safety net programs negatively and significantly influence access to rural credit, while earning persons in the family, literacy, rice farming experience, remittance, and total income positively influence access to rural credit. The positive and significant ATT values suggested that access to rural credit has a positive and significant effect on technology adoption and the level of technology use. It was also found that access to rural credit has a heterogeneous effect. In particular, non-government organization (NGO) credit has a more significant impact on technology adoption than formal bank credit. Access to credit and the adoption of agricultural technologies can be greatly improved with the help of a location-specific rural credit policy and strong monitoring from the formal banking sector.

The present work is the first detailed study of sub-assistant agricultural officers (SAAOs), who are key players in delivering agriculture extension services in Bangladesh. We determined the status of information and communication technology (ICT) usage, knowledge gaps, approaches and tools for information delivery, barriers and obstacles to ICT usage, requirements for adoption, and possible solutions for efficient agriculture extension advisory services. We surveyed key respondents (SAAOs, n = 117) from nine sub-districts under the six administrative districts of Bangladesh with a semi-structured questionnaire. We found that 73.2% of all extension officers had basic knowledge of ICT. We observed that the most effective tool for information dissemination was field visits (90.90%, Moulvibazar district) and the most frequent extension approach was training and workshops (77.31%, Dhaka district). The best sources for information collection were broadcast media and social media. While delivering information, difficulty was found due to technical obstacles in Gazipur district, Rajshahi district, Sylhet district, and Dhaka district among 60% to 70% of SAAOs. However, farmers’ ignorance was reported in both Feni district and Moulvibazar district (36.36%). A shortage of computers in Gazipur district (56.25%) was an essential barrier to ICT usage for extension services. A major challenge in using ICT applications in Dhaka district was inadequate training support (64.51%). Mobile devices, internet connectivity, updated ICT applications, and a farmers’ database were the most important supports needed for the SAAO’s skilled advisory activities. In conclusion, our results and recommendations will help to redesign policies to improve infrastructure and allocate funding for capacity and skill development and ICT-based innovations in this sector to achieve sustainable extension and advisory services and attain food security in Bangladesh.