Explanation:

- Government: Provides institutional credit through various schemes and subsidies, but it's not typically classified under non-institutional credit sources.

- The regional rural banks: Function like banks, providing institutional credit to promote rural growth and are not non-institutional.

- Moneylenders: Often operate informally, providing quick and accessible loans without much paperwork, making them a significant non-institutional credit source.

- Commercial banks: Primarily offer institutional credit but may not reach the unbanked rural population.