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 |
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Creator |
Sinha, M.K., Dhaka, J.P. and Mondal, B.
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Subject |
Discriminant function, credit, defaulter, dairy farmers.
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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 |
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Date |
2018-12-04T09:37:39Z
2018-12-04T09:37:39Z 2014-01-20 |
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Type |
Research Paper
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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 |
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Language |
English
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Relation |
Not Available;
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Publisher |
Academic Journals
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