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Analysing social attributes of loan default among small Indian dairy farms: A discriminant approach

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Title Analysing social attributes of loan default among small Indian dairy farms: A discriminant approach
Not Available
 
Creator Sinha, M.K., Dhaka, J.P. and Mondal, B.
 
Subject Discriminant function, credit, defaulter, dairy farmers.
 
Description Not Available
The study examines the socio-economic factors discriminating defaulters and non-defaulters of credit
repayment. Multi-stage sampling design was adopted for selection of farm respondents. The data were
collected through structured questionnaire by personal interview method. A linear discriminant
function considered to examine the relative importance of different factors in discriminating between
non-defaulters and defaulters. The result revealed that per capita income from crop and milk
production, expenditure to total income, earning adults and off-farm income explained major share in
discriminating the non-defaulters from defaulters. The mean discriminant score for the non-defaulters
(Z1) and defaulter (Z2) were found to be 0.316 and -1.322, respectively. The critical mean discriminant
score (Z) for the two groups was found to be -0.503. The high value of Z corresponds to non-defaulter
and low value to defaulter. Later the derived classification analysis was observed that 50 out of 83
defaulters and 32 out of 37 non-defaulters were rightly classified in Z function. Thus, grouped cases
classified correctly as 68.33% as factors of default. Hence, the model is found to be valid to predict
whether an unknown borrower is likely to be defaulter or non-defaulter more precisely.
Not Available
 
Date 2018-12-04T09:37:39Z
2018-12-04T09:37:39Z
2014-01-20
 
Type Research Paper
 
Identifier Sinha, M.K., Dhaka, J.P. and Mondal, B. 2014. Analysing social attributes of loan default among small Indian dairy farms: A discriminant approach, Scientific Research and Essays 9 (2): 2354-2358.
1992-2248
http://krishi.icar.gov.in/jspui/handle/123456789/15569
 
Language English
 
Relation Not Available;
 
Publisher Academic Journals