Explanation:

- Option 1: Landlords

- Traditionally, landlords have provided informal credit to rural borrowers.

- However, they are not considered part of institutional credit sources.

- Option 2: Commercial banks

- These are one of the main sources of institutional rural credit in India.

- They provide formal credit options with official terms.

- Option 3: Village traders

- Village traders often extend credit, but mostly informally.

- Not regarded as institutional credit providers.

- Option 4: Moneylenders

- Moneylenders are traditional providers of informal credit.

- They are not part of the formal institutional credit framework.