The agricultural sector has managed to establish itself as an enabler for reviving Beninese economy without succeeding in gaining a place of choice in the mobilization of private funding for farmers benefits. On the basis of this observation, the research track taken within the framework of this scientific production consisted in questioning indicators of private financing for Beninese agriculture and the risks associated with access to decentralized financials systems credit services. To achieve this, activities reports and monitoring documents were subject to a continuous analysis. Results from this phase were used to define social indicators which were documented on the basis of a questionnaire and a semi-structured interview guide for a sample of 499 informants. Carried out on the experience of the decentralized financial systems involved in the GIZ / ProFinA project, the research highlighted a weak trend in bank financing and the weight of family structures, the profile of credit seekers, social constructions and social and religious practices on the repayment of credits.