Agricultural credit, used as a tool for rural development, comes with high transaction costs, information asymmetries, and high interest rates, making accessibility difficult in rural areas of countries like Colombia, where the agricultural sector is still underdeveloped. Despite efforts to mitigate these challenges, there are still considerable gaps in credit access in rural Colombia. An example of this is the distribution of branches of the Agrarian Bank of Colombia (Banco Agrario de Colombia), the official financial institution for promoting agricultural credit in the country. The figure below shows a contrasting distribution of branches between the more developed and urbanized areas of the country (i.e., in the Andes) compared to the more remote areas in the Amazon and Eastern Plains.