The Agricultural Value Chains project (AVC) contracted Consiglieri to conduct a study on the financial flows in the agricultural sector of AVC’s portfolio of farmers in the Southern Delta. This study aimed to analyze and understand the farmer communities’ behavior patterns like saving, borrowings, consumption, Investment pattern etc. It also assessed and developed a farmer segmentation analysis based on commercialization, land size, commercial relationship/investment patterns etc. This study followed mixed method and for quantitative analysis 400 respondents were surveyed and data from 25 respondents was collected for qualitative part from Jessore, Bagerhat, Satkhira, Shariatpur, Faridpur, Narail, Bhola and Jhenaidah.