This study explores the role and economic impact of innovative credit products offered by commercial banks in financing agricultural enterprises. It examines how the integration of digital technologies and innovative financial solutions can enhance access to credit for small and medium-sized farmers, thereby improving agricultural productivity and economic stability in rural areas. Through a comprehensive analysis of both qualitative and quantitative data, including expert interviews and statistical reports, the research highlights the current challenges and opportunities in agricultural financing. The findings emphasize the necessity of advancing digital literacy, risk management, and collaborative frameworks to optimize the effectiveness of innovative credit products. This study provides practical recommendations for policymakers, financial institutions, and stakeholders to foster sustainable development in the agricultural sector.

nnovative credit products, agricultural finance, commercial banks, digital financial services, financial inclusion, risk management, rural development, fintech in agriculture.

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