Dissertation (MA Accounting and Finance)Microcredit is now important for agriculture, innovation, post-harvest practices and adoption of technologies. This study was proposed to explore the types of microcredit facilities that finance the households in rural areas to adopt PHT and PHP in Gairo District, the pressing constraints against access to microcredit among households in Gairo District. The study was further extended into looking at the effect of access to microcredit on the adoption of PHT and PHP in Gairo District. Using a cross-sectional household survey, data were obtained from 100 respondents who filled the questionnaire followed by interviews at Gairo District of Dodoma Region. The findings showed that a majority of small scale farmers owned few acres and operates in groups or associates. Further, it was revealed that microcredit is the best option to facilitate post-harvest practices and adoption of technologies in most of the rural areas because farmers operate in groups or associations. Microcredit facilities are used by households in financing post-harvest storage technologies. Also, it was found that the hermetic storage bags were an important storage facility and accessible to the households. It is, therefore, safe to conclude that credit to finance post-harvest technology among small scale farmers is extensively a major need to control and manage farming practices. Drawing on these findings and conclusion, this study recommends that credits offered by financial institutions should necessarily conform to the demand and situation of small scale farmers in rural areas. Further to this is the accessibility and reduced conditionality.