This document discusses the importance of credit and marketing in rural development. It defines rural development as helping rural people set priorities through democratic bodies by providing local capacity, basic infrastructure, social services, justice, equity, and security. It notes that the growth of the rural economy depends on regular infusions of capital for agriculture and non-agriculture. Farmers often take loans to fund initial investments in seeds, fertilizers, and implements as well as family expenses since the time between crop sowing and income realization is long. The rural banking system and self-help groups play an important role in rural development by providing credit, while obstacles like lack of infrastructure and market access hinder agricultural marketing.