Impact of factors on the utilization of agricultural credit of banks: an analysis from the borrowers’ perspective

  • 407 Views
  • 22 Downloads

Creative Commons License
This work is licensed under a Creative Commons Attribution 4.0 International License

Agricultural credit is required for the development of agriculture scenario in any economy. Commercial, cooperative and regional rural banks have extended agricultural credit to the farmers in Dakshina Kannada district of India. The effectiveness of agricultural credit system depends on the utilization of credit funds by the borrowers. The present study made an attempt to understand the factors influencing the utilization of agricultural credit of banks in Dakshina Kannada. The study used primary and secondary data. Primary data are gathered from the borrowers of banks operating in Dakshina Kannada district. The study found that there is an impact of demographic, agriculture and agricultural credit factors on the purpose of utilization of agricultural credit in Dakshina Kannada district.

view full abstract hide full abstract
    • Table 1. The purpose of the agricultural credit utilization
    • Table 2. Impact of gender on the purpose of agricultural credit utilization
    • Table 3. Impact of age on the purpose of agricultural credit utilization
    • Table 4. Impact of educational level on the purpose of agricultural credit utilization
    • Table 5. Impact of marital status on the purpose of agricultural credit utilization
    • Table 6. Impact of annual income on the purpose of agricultural credit utilization
    • Table 7. Impact of educational level of children on the purpose of agricultural credit utilization
    • Table 8. Purpose of utilization of agricultural credit
    • Table 9. Impact of type of family on the purpose of agricultural credit utilization
    • Table 10. Impact of type of crops grown on the purpose of agricultural credit utilization
    • Table 11. Impact of the landholding size on the purpose of agricultural credit utilization
    • Table 12. Impact of number of days engaged in agriculture per year on the purpose of agricultural credit utilization
    • Table 13. Impact of number of years in agriculture on the purpose of agricultural credit utilization
    • Table 14. Impact of use of machinery on the purpose of agricultural credit utilization
    • Table 15. Impact of term of credit on the purpose of agricultural credit utilization
    • Table 16. Impact of credit frequency on the purpose of agricultural credit utilization
    • Table 17. Impact of the awareness of schemes on the purpose of agricultural credit utilization