The present study entitled impediments in the disbursement of micro-credit among small farmers was conducted with special references to three purposively selected union councils of District Lower Dir. A Sample size of 152 farmers beneficiaries of micro-credit were selected in the targeted area. The data showed that out of total respondents 55.9% of the respondents having monthly income from Rs 9001 to 14000, 56.6% had the size of land between (4 to 8) acre and 46.06 % of the respondents had joint family system. The association between independent variables (high interest) and dependent variable (micro-credit) was tested by using Chi-Square Test. In bi-variate analysis the data showed that a significant association (p=0.034) was found between micro-credit and high interest rate is hurdles in the way of micro-credit. . The study concluded that high interest rate; lack of access to micro-credit, rigid rules and regulations, attitude of the bank staff and lack of education were some of the impediments in the disbursement of micro-credit. On the basis of findings in the study this was concluded that government should take an initiative to provide and available the micro-credit to small scale farmers very easily on their door step.

Keywords: Micro-Credit, High Interest Rate, Educated and Uneducated Farmers