The purpose of the research is to explore and highlight the critical role of credit in the advancement of agro-industrial systems, with a focus on how it supports agricultural growth and contributes to wider economic development.

The methodology of the research - the study uses a comprehensive review of existing literature, case study analysis, and synthesis of data from government policies, financial institutions, and agricultural cooperatives to examine the multifaceted impact of credit in an agro-industrial context.

The practical importance of the research - the findings of this study offer practical insights for policy makers, financial institutions and stakeholders in the agricultural sector and provide them with valuable guidance on how to promote credit availability and optimize its impact on agro-industrial development.

The results of the research - the findings of this study highlight critical strategies for enhancing competitiveness in non-oil industries.

The originality and scientific novelty of the research - the study offers an original perspective on the multifaceted and interconnected benefits of credit in agro-industrial systems, highlighting the importance of sustainable practices and financial inclusion, thus contributing to scientific innovation in understanding the vital role of credit in promoting agricultural growth and economic development.

Keywords: agro-industrial systems, sustainable development of agriculture, economic growth, financial inclusion.

https://doi.org/10.59610/bbu4.2023.4.6