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Predicting risk of credit default using discriminant approach: Case of tribal dairy farmers of Jharkhand Platue

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Title Predicting risk of credit default using discriminant approach: Case of tribal dairy farmers of Jharkhand Platue
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Creator MUKESH KUMAR SINHA, J P DHAKA and M S MEENA
 
Subject Discriminant function, Credit, Defaulter, Dairy farmers
 
Description Research Article
The credit support to the smallholder tribal families for the dairy development is an important source of viable mix of livelihood options and improving quality of life. The study has investigated the localized social factors that can be used by the credit institutions in risk rating a farmer customer. The study has suggested that lower income from crop production, dairy and off-farm activities coupled with high expenditure proportionate to income and smaller number of earning adults in the family leaves only a smaller surplus with farmers making them to be a defaulter. The derived classification analysis has cross-verified the predicted variable and has found that the group classified correctly by 68.3% as factors of default. Thus, model was found valid in predicting a defaulter of loan-repayment based on the localized factors precisely. The study will address the concern of the credit institution in advance to assess the credit risk capital and risk adjusted outcome for
serving a larger group of smallholders’ community.
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Date 2017-01-09T07:07:35Z
2017-01-09T07:07:35Z
2015-05-01
 
Type Research Paper
 
Identifier Sinha, Mukesh Kumar; Dhaka, J P and Meena, M S (2015) Predicting risk of credit default using discriminant approach: Case of tribal dairy farmers of Jharkhand Platue, Indian Journal of Animal Sciences 85 (5): 525–527.
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http://krishi.icar.gov.in/jspui/handle/123456789/1127
 
Language English
 
Relation Not Available;
 
Publisher Indian Journal of Animal Sciences