The rural space is home to 53 percent of Nigeria's population and more than 70 percent of its poor. While it is well understood in Nigeria that financial exclusion of the rural population stunts development, still fewer than 2 percent of rural households have access to any sort of institutional finance.

Lesotho is one of the poorest countries in Southern Africa, and has one of the highest income inequality in the world. Home to about 2 million people, Lesotho is surrounded by South Africa, the second largest and most industrialized economy in Africa. Lesotho generates income mainly by exporting textiles, water, and diamonds, and is a member of the Southern African Customs Union (SACU), the Southern African Development Community (SADC), and the Common Monetary Area (CMA). The national currency, the loti, is pegged to the South African rand.

Present research set out the public and private agricultural extension services with the term of human resources practices. Five districts, one from each ecological zone, were taken purposively: namely Kech, Lasbela, Kalat, Killa Saifullah and Sibi. A sample of (250) farmers and (100) public and private Extension Field Staff (EFS) was taken as sample size by using the multi-stage random sampling technique. Null hypothesis was also tested in order to know the variances in the perceptions of the respondents.