Step 1: Sources of credit are of two types - formal (banks and cooperatives) and informal (moneylenders, traders, employers, relatives and friends). Step 2: Informal lenders like the village moneylender and the agricultural trader charge a very high rate of interest, which increases the cost of borrowing and can push a small farmer like Swapna into a debt-trap, especially if the crop fails. Step 3: The Reserve Bank of India is the central bank; it supervises the functioning of formal sources of credit but does NOT give loans directly to individuals. Step 4: A nationalised bank is a formal source: it charges a low and fixed rate of interest, is supervised by the RBI, and is required to give loans to small cultivators as well. Step 5: Hence Swapna should take the loan from the nearest nationalised bank - Option (B).