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The provision of a wide range of financing choices enhances farmers' ability to respond to changing circumstances in their agricultural activities and maintain optimal levels of production. However, several household- and farm-level determinants impact the availability of, and demand for, agricultural credit in rural households. Therefore, the current study explores the determinants of demand for, and supply of, agricultural credit. To do so, data at the farm level were gathered using interviews with a randomly selected sample of 360 respondents in the Mymensingh region of Bangladesh. Additionally, 30 years' worth of secondary data were obtained from various sources to investigate the determinants of agricultural credit supply. Data were analyzed using binary logistics and multiple linear regression. Findings reveal that farmers’ demand for agricultural credit is positively influenced by farming experience and farm size. Factors that significanly discourage farmers from taking credit include (a) an increase in income-generating family members, (b) perceived high interest rates of credit, and (c) negative perceptions regarding the application procedure. Factors that increase agricultural credit supply are (a) an increase in credit supply targets and (b) increased severity of natural disasters. In addition, an increase in non-performing loans does not hinder agricultural credit supply as the Bangladeshi government has placed special emphasis on protecting farmers from crop failures and other adverse situations in order to achieve food self-sufficiency in the country.

Wheat, the first grain crop in the world, can be negatively impacted by varying temperatures and precipitation patterns, which may pose a threat to the food security. Therefore, the objective of this study is to investigate wheat farmers perception of and adaptation to climate change. Cross-section and historical data on climate variables were used. Cross-section data was collected from 600 wheat farmers in various Agroecological Zones (AEZ) through face-to-face interviews. Descriptive statistics, time-trend regression, and the multinomial logistic regression (MNL) model were used to analyze the data. Using actual meteorological data, a climate change analysis corroborated the farmers' perceptions regarding the variability of temperature and precipitation. Changing planting dates (23 %) and cultivation of short duration wheat varieties (17 %) were identified as the major adaptation measures to climate change, while about 19 % of farmers did not undertake any adaptation measures. Access to climate information increased the likelihood of adopting short-duration wheat varieties by 8.57 % and changing planting date by 9.32 %, while credit access increases the likelihood of adopting short duration wheat varieties by 8.86 %. Increasing awareness of climate change, intensifying extension activities, increasing access to climate information, and modifying wheat production techniques can all help farmers become more resilient to climate change, thereby ensuring food security under changing climate.