Recent studies on credit payment of bank systems show that the amount of payments to agricultural sector has a considerable growth, although it has fewer shares than other economic sectors. Agricultural bank is one of the financial institutes that have a crucial role for providing the farmer credit in recent decades as almost 64% of total farm credit of Khorasan Razavi province has been paid by Agricultural bank. Regard to importance of financial supporting to farmers and how of influencing investment in this sector, in order to identify the effective factors on credit access of farmers and the impacts of them on investment in farm activities, this study was done on two groups of farmers, credit used and non credit used, by Discriminate analysis, Tobit and Logit models. Data is collected by interview and fill the 177 questionnaires from farmers in Mashhad, Chimera, Torbat Heydarieh, and Neyshabour, cities of Khorasan-Razavi province. Results of discriminate analysis showed, the number of loans, precedent of using credit and the number of installment of last loan have the most important role in discrimination between two groups, credit used and non credit used. Results of Tobit model indicated that the number of loans

Keywords