IMPACT OF KISAN CREDIT CARD ON FARM ECONOMY: A CASE STUDY OF KRISHNAGIRI DISTRICT OF TAMIL NADU
KrishiKosh
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Title |
IMPACT OF KISAN CREDIT CARD ON FARM ECONOMY: A CASE STUDY OF KRISHNAGIRI DISTRICT OF TAMIL NADU
M.Sc. |
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Creator |
PRAKASH P
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Contributor |
Pramod Kumar)
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Subject |
credit, costs, crops, accounts, productivity, biological development, cooperation, economics, manpower, area
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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 |
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Date |
2016-03-14T20:01:28Z
2016-03-14T20:01:28Z 2013 |
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Type |
Thesis
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Identifier |
http://krishikosh.egranth.ac.in/handle/1/65138
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Language |
en_US
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Format |
application/pdf
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Publisher |
IARI, DIVISION OF AGRICULTURAL ECONOMICS INDIAN AGRICULTURAL RESEARCH INSTITUTE NEW DELHI
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