 The need for a community banking model arose out of the desire to lessen the gap of credit accessibility in rural areas and to stimulate the economy.Employees in the Division are given the responsibility of planning and implementing credit programs to customers, coordinating alongside community members and other local bodies in order to distribute lines of credit and offering savings opportunities, develop credit tools focusing on security, down-payments, loan repayment periods, and interest and fees.A key component of this approach is that the target customers of the community banks were farmers.