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%). The result of the Likert scale technique used to analyse the constraint faced in credit acquisition showed that possibility of loan default by members ranked 1st followed by lack of collateral and guarantor and then loan rational habit. It was also revealed that VADI programme increased the productivity of participating farming household by 315.55 Kg/ha, hence such initiative on credit acquisition should be encouraged and sustained among farming households in the study area.