The study looked at how the amount of money farmers borrow affects their yearly income and ability to pay back the loan. They surveyed 150 farmers in Edo State, Nigeria, and found that farmers who received more money had higher annual incomes. Most farmers were able to repay their loans, with an average repayment rate of 90.1%. The study suggests that giving farmers more money could help them make more profit and pay back their loans. It also recommends providing more education for farmers to manage their funds better and improve their access to land for better crop yields.