Record Details

IMPACT OF KISAN CREDIT CARD ON FARM ECONOMY: A CASE STUDY OF KRISHNAGIRI DISTRICT OF TAMIL NADU

KrishiKosh

View Archive Info
 
 
Field Value
 
Title IMPACT OF KISAN CREDIT CARD ON FARM ECONOMY: A CASE STUDY OF KRISHNAGIRI DISTRICT OF TAMIL NADU
M.Sc.
 
Creator PRAKASH P
 
Contributor Pramod Kumar)
 
Subject credit, costs, crops, accounts, productivity, biological development, cooperation, economics, manpower, area
 
Description Credit is essential for the development of agriculture in India. Kisan credit card
scheme is an important effort of the banking sector for promoting agricultural credit
and for achieving financial inclusion. The present study was undertaken with
specific objectives: 1) to analyse the progress and performance of the Kisan Credit
Card scheme in India; 2) to evaluate the impact of Kisan Credit Card Scheme on
crop productivity, income and employment in Krishnagiri district of Tamil Nadu;
and 3) to identify the determinants and constraints in adoption of Kisan Credit Card
Scheme in Krishnagiri district of Tamil Nadu and to suggest suitable measure for
enhancing its performance. The study used secondary data on Kisan Credit Card
issued and amount sanctioned which was collected from various publications such
as NABARD, RBI, and indiastat.com etc. Primary data were collected from 120
farmers by personal interview from Krishnagiri district of Tamil Nadu. Tabular
presentation, Compound annual Growth Rate (CAGR), various cost and return
concepts and Cobb-Douglas production function were used for analysis. The scheme
has shown positive growth rate for number of cards issued, amount and amount per
account advanced. Most of the states have shown positive growth rate for number of
cards, amount and amount per account advanced. At all India level the growth rate
for number of cards, amount and amount per account was found to be 20.79 percent,
26.26 percent and 5.48 percent respectively. The flow of the scheme has not been
uniform throughout the country. Larger states of the country namely; Gujarat,
Madhya Pradesh, Maharashtra, Rajasthan, Uttaranchal, Andhra Pradesh, Karnataka
and Tamil Nadu together shared 65 percent of cards issued and 72 percent of amount
advanced in TE 2012. Growth rate for number of cards issued and amount advanced
in Tamil Nadu were found to be positive with respect to all three principle agencies.
Amount per account in case of Tamil Nadu revealed that it is much lower compared
to the all India level. The cost and return analysis showed that cost of cultivation and
net income per hectare for three crops (paddy, sugarcane and groundnut) were
higher for beneficiary farmers than that of the non beneficiary farmers. It was also
found that cost of borrowing credit was higher for non beneficiary farmers. The
constraints in the use of KCC perceived by the farmers for financial institutions was
 
Date 2016-03-14T20:01:28Z
2016-03-14T20:01:28Z
2013
 
Type Thesis
 
Identifier http://krishikosh.egranth.ac.in/handle/1/65138
 
Language en_US
 
Format application/pdf
 
Publisher IARI, DIVISION OF AGRICULTURAL ECONOMICS INDIAN AGRICULTURAL RESEARCH INSTITUTE NEW DELHI