Explanation:

- Option 1: Money lenders

- Money lenders are individuals or groups who provide loans using their own funds.

- They are not regulated by formal financial institutions.

- This option is a non-institutional source of credit.

- Correct Answer

- Option 2: Commercial banks

- These are established banking institutions that provide a wide range of financial services.

- They are part of the formal financial sector and are regulated by banking authorities.

- This is an institutional source of credit.

- Option 3: Regional Rural Banks

- Created to serve rural areas, these banks provide credit and other banking services.

- Like commercial banks, they are formally regulated.

- This is also an institutional source of credit.

- Option 4: None of these

- This option suggests that none of the above are non-institutional, but that is not the case.