International Research Journal of Agricultural Economics and Statistics

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Credit Utilization Pattern of Kisan Credit Card in South Gujarat


Affiliations
1 Department of Agricultural Economics, N. M. College of Agriculture, Navsari Agricultural University, Navsari (Gujarat), India
     

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The study was undertaken to determine credit utilization pattern of Kisan Credit Cards in South Gujarat during 2016-17. The study was based on the information obtained from 80 KCC holders and 80 Non-KCC holders selected from two districts Navsari and Surat of South Gujarat. The results revealed that the majority of KCC holders fully utilized the credit (46.25%) followed by not utilized(17.50%) and fully mis-utilized (17.50%) for the productive purpose. About 85.13 per cent amount of total loan disbursed was properly utilized by sample KCC holders. Major reason misutilization of credit by KCC holder was found to salting of old debts and other reasons (33.33 %). Major constraints in availing and use of KCC as perceived by farmer lengthy paper work followed by insufficient credit limit, high interest rate etc.

Keywords

Kisan Credit Card, Holders, Utilization.
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  • Agarval, K. and Ahirwar, J. (2014). Study on utilization pattern of Kisan Credit Card among the farmers in Ashok nagar district of Madhya Pradesh, Indian Streams Res. J., 4(5):1-4.

  • Bista, D. R., Kumar, P. and Mathur, V. C. (2012). Progress and performance of Kisan Credit Card scheme with a case study of Bihar. Agric. Econ. Res. Rev., 25(1):125-135.

  • Jainuddin, S. M., Hiremath, G. M. and Patil, S. S. (2013). Performance of kisan credit card in Karnataka: An economic analysis. Indian J. Econ. & Develop., 9(4): 346 - 355.

  • https://www.nabard.org/english/KisanCreditCard.aspx, Access dated on 13 july 2010.


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  • Credit Utilization Pattern of Kisan Credit Card in South Gujarat

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Authors

Y. L. Meghana
Department of Agricultural Economics, N. M. College of Agriculture, Navsari Agricultural University, Navsari (Gujarat), India
J. J. Makadia
Department of Agricultural Economics, N. M. College of Agriculture, Navsari Agricultural University, Navsari (Gujarat), India
N. A. Kalola
Department of Agricultural Economics, N. M. College of Agriculture, Navsari Agricultural University, Navsari (Gujarat), India

Abstract


The study was undertaken to determine credit utilization pattern of Kisan Credit Cards in South Gujarat during 2016-17. The study was based on the information obtained from 80 KCC holders and 80 Non-KCC holders selected from two districts Navsari and Surat of South Gujarat. The results revealed that the majority of KCC holders fully utilized the credit (46.25%) followed by not utilized(17.50%) and fully mis-utilized (17.50%) for the productive purpose. About 85.13 per cent amount of total loan disbursed was properly utilized by sample KCC holders. Major reason misutilization of credit by KCC holder was found to salting of old debts and other reasons (33.33 %). Major constraints in availing and use of KCC as perceived by farmer lengthy paper work followed by insufficient credit limit, high interest rate etc.

Keywords


Kisan Credit Card, Holders, Utilization.

References