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Artificial intelligence is increasingly embedded in smart farming through decision-support systems that integrate sensor data, remote sensing, machinery data, farm records, and predictive analytics. Yet agricultural decision-making cannot be reduced to automated recommendations because farm decisions are shaped by agronomic uncertainty, local field conditions, economic constraints, environmental goals, labor availability, machinery limitations, farmer experience, advisory relationships, and risk preferences. This conceptual framework article develops a farmer-centered account of human-in-the-loop intelligence for AI decision support in smart farming. The framework positions AI not as a substitute for farmer judgment but as one component of an iterative socio-technical decision process. It emphasizes farmer judgment, experiential knowledge, contextual validation, explainability, uncertainty communication, human oversight, trust calibration, advisor mediation, feedback, accountability, and adaptive decision-making. The article argues that human-in-the-loop intelligence is more than human approval of algorithmic outputs; it involves interpretation, questioning, correction, practical adaptation, and responsibility for situated decisions. By integrating agricultural AI, precision agriculture decision support, farmer knowledge, responsible innovation, and human-centered design perspectives, the manuscript contributes a structured conceptual basis for designing smart farming systems that preserve farmer agency while improving the practical relevance, transparency, and accountability of AI-supported decisions.