Please use this identifier to cite or link to this item: http://krishikosh.egranth.ac.in/handle/1/70705
Authors: RAVINDRANATH, V
Advisor: NARENDER, I
Title: IMPACT OF NAGARJUNA GRAMEENA BANK ON THE ECONOMIC PROGRESS OF WEAKER SECTIONS IN KHAMMAM DISTRICT ( A.P.)
Publisher: ACHARYA N.G. RANGA AGRICULTURAL UNIVERSITY, RAJENDRANAGAR, HYDERABAD
Language: en
Type: Thesis
Series/Report no.: D2943;
Agrotags: ECONOMIC, PROGRESS,WEAKER, SECTIONS,NAGARJUNA,
Abstract: The present study was undertaken with a view to evaluating the farming condition and economic condition of beneficiaries compared to non-beneficiaries. Khammam district was selected for the study because of the fact that it is one of the few districts where rural banks were first established in the state. Six villages, three from each mandai, were selected on the basis of number of beneficiaries. Four groups of beneficiaries and nonbeneficiaries were identified and lOB beneficiaries and non-beneficiaries formed the total sample for the study, Indepth study was made to estimate employment position, crop productivity, costs and returns, inequalities in income distribution, repaying capacity etc. For this pur p o s e b o t h c on v e n t i on a 1 f a r m bus i n e s s an a 1 y s i s and f u n ctional analysis were employed. The average size of the holding was slightly more in beneficiaries compared to non-beneficiaries. The total assets of the beneficiaries were higher due to the impact of the bank loan. The gross cropped area and cropping intensity recorded high in beneficiaries. The predominant crops grown in the area were paddy, groundnut and jowar. The areas allocated for paddy and groundnut were more in beneficiary farms due to high cost of cultivation involved •. It was observed that the human labour employment per hectare in Man Work Days was higher for beneficiaries comapred to non-beneficiaries. The total employment position for the average male and female workers in beneficiary group was 30Z, 54 and 238.99 MWDs respectively compared to 280.88 and 260.11 MWDs of non-beneficiaries in the same order. 'this increase in employment can be attributed to both bank finance and owned funds invested in production process. The productivity was higher in beneficiary groups for all the crops compared to non-beneficiares. This could be due to the adoption of yield increasing practices by baflk's finance. Higher cost of cultivation per hectare was observed in beneficiary farms. The same trend was observed in the case of income measures such as gross returns, net income, family labour income, farm business income and farm investment income. As regards dairy farming, sheep farming and traditional occupation, the costs and returns recorded were higher on beneficiary farms. Greater inequality indicated by coefficient of in income variation, distribution was Lorenz curve and Gini ratio for non-beneficiaries compared to beneficiaries. Higher inequality in income dist~ibution was observed in rural artisans followed by agricultural labourers, margipal farmers and small farmers in both beneficiaries an·d nonbeneficiaries. Linear Regression analysis was applied to estimate repaying capacity. The values of R2 were significant at 5 per cent level in all the categories. It revealed the significance of all the accounted variables - size of the holding (x 1 ), income from all sources (x 2 ), family expenditure (x 3 ), expenditure on production process (x 4 ) and other loans (x 5 ) in explaining the variation in repaying capacity. Discriminant function revealed the importance of total income and employment in discriminating beneficiaries and non-beneficiaries. o2 value was significant in all the categories. The study has proved the palpable role of Regional Rural Bank in improving economic condition of the weaker sections and ensuring social justice.
Issue Date: 1988
Appears in Collections:Proceedings

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