A total of 53 commercial banks are currently operating in Tanzania, the highest number in the East African region but agriculture sector remains under served in as far as loan disbursement is concerned. Although considered the backbone of the national economy, agriculture accounts for over 25 per cent of the national gross domestic product (GDP), over 27 per cent of exports earnings, and 80 per cent provider of jobs but banks are not yet convinced. Various agro-economists and banking experts have come up with a range of answers to this paradox which Tanzania Bankers Association (TBA) believes agriculture is one of the riskiest sectors to lend money in the country.