Abstract
This study seeks is present empirical evidence on overwhelming influence of land ownership patterns over the access of agriculture credit in Sindh. Pakistan. The data presented revealed overpowering influence of land ownership patterns and socio-political elite over formal lending. Review of the literature identified land ownership patterns are skewed, however, there is majority of small former in the country. The secondary data evidence suggests that small landowners possess one third of agricultural land in Sindh. Studyalso highlighted corruption as one of the major causes along with collateral credit limit and methods for recovery in light of the finding of the study policy implications for government, corporate managers, bankers and small and large landowners are discussed.
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