Nigerian Government aware of the role the rural farmers play iri the :c'ourifty'_:S agricultural production has been advancing credit through the formal . futa_nqial institutions to the farmers. The credit hardly·gets through to the farmers due ffr-t'.iffjd~l bureaucracies and financial leaks. On the other hand, the Micro finance institutions (MFis), which, are mostly owned by Non-governmental Organizations (NG0s):li1pitthe credit th~t they advance to farmers .. This study investigat~s. how one of the'in~}gdn.ous informal financial inetllods ~ the non-rotating self-help group. - is· being us~4Ifo(ihe rural farmers to accumulate capital to support their agricultur~l production: Wtm.: ~l,le achievements of this informal method there is need for their in~orporation into. t~j'ural finance structure through direct linkage with Development finance institutions -El?~)- c,f the Central Bank (CBN).