The study compares the socio-economic characteristics of the participants and non- participants in Village Alive Development Initiate (VADI); Identify the constraints faced by participants and non-participants in securing the credit and evaluate the impact of the scheme on their crop productivity in the study area. One hundred and eighty-eight farming households were selected in the participating villages in Kwara State, Nigeria. Data were collected by structured questionnaire and administered through personal interview. Analytical tools used were descriptive statistics and Propensity Score matching technique. The result showed that about 71% of the participants were females, 78% are between the ages 30-60, 64% married, 57% had at least primary school education and about 81% had access to market information. Although the participants of VADI programme had other source of credit but the largest part of the funds came from VADI (59.09%).