Browsing by Author "Kahlon, A. S."
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ThesisItem Open Access An Economic Analysis of Overdues in Bhawani District of Haryana State(College of Agriculture Chaudhary Charan Singh Haryana Agricultural University Hisar, 1984) Kahlon, A. S.; Kahlon, A. S.ThesisItem Open Access An Economic Analysis of Overdue in Bhawani District of Haryana State(Chaudhary Charan Singh Haryana Agricultural Univesity, Hisar, 1984) Kahlon, A. S.; Kahlon, A. S.With the technological change in Indian agriculture the capital needs of farmers to purchase modern inputs have increased manifold. The increased capital needs cannot be met from the farmers own funds. The farmers get income during the limited period while t heir expenses are spread throughout the year. Therefore, they have· to depend upon some other sources for obtaining the funds to meet t;heir farming requirements. In the context of new farm technology it become$ mere important to use more. inputs for getting more production. Thus, credit become an essential part of modem technology.· Efforts to build up institutional financing system for agriculture through cooperatives, in ·place of the age old source of money lenders began in 1904 in India. For nearly half a century the attempts were to grant loan for debt relief and in a few cases for land improvement rather than to provide finance for production. The All India Rural Credit Survey conducted in the beginning of the decade of 1950s brought out clearly that the cooperative system accounted for only about 3 per cent of the total borrowing of funds. More then 70 percent of the estimated requirements were obtained from money lenders and trader. A recommendation was made in that report that· the lending policies should be geared to production programmed, since then attempts are being made to adopt the suggested lending