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ThesisItem Open Access ACREAGE RESPONSE AND PRICE BEHAVIOUR OF PIGEONPEA IN MAHARASHTRA(Mahatma Phule Krishi Vidaypeeth, Rahuri, 2018) Shendage.P.N.; Yadav.D.B.Pulses are an integral part of many diets across the globe and they have great potential to improve human health, conserve our soils, protect the environment and contribute to global food security. The United Nations, declared 2016 as “International Year of Pulses” (IYP) to heighten public awareness of the nutritional benefits of pulses as part of sustainable food production aimed at food security and nutrition. In the world, pulses are grown by 171 countries. Pulses have been observed to be low performing crops in India during past decades despite a rising demand and increasing prices. Thus, the study entitled “Acreage response and price behavior of pigeonpea in Maharashtra” has been undertaken with specific objectives as to estimate the districtwise growth rates in area, production and productivity; to study the acreage response; examine the behaviour of arrivals and prices with existence of volatility in prices in major markets; extent and pattern of market integration and finally to estimate the projections of area, production and productivity of pigeonpea. The state is divided into four major regions viz., Western Maharashtra, Konkan, Marathwada and Vidarbha were selected purposively. To facilitate proper understanding of percentage increase in area, production and productivity of pigeonpea and acreage response of pigeonpea in the State, the period of 46 years from 1970 – 71 to 2015–16 is divided into two sub periods and one entire period, Period – I (Pre-TMOP): 1970-71 to 1990-91, Period – II (Post-TMOP) : 1991-92 to 2015-16 and Period – III (Entire period) : 1970-71 to 2015-16. For studying the seasonality in arrivals and prices of pigeonpea, monthly and yearly secondary data on arrivals and prices of pigeonpea were collected from the purposively selected nine markets on the basis of maximum arrivals as Akkalkot, Barshi and Solapur from Western Maharashtra, Latur, Jalna and Udgir from Marathwada and Hinganghat, Amravati and Khamgaon APMCs from Vidarbha region for the period of last 15 years i.e. w.e.f. 2002-2016. Compound growth rates of area, production and productivity of pigeonpea were estimated. While, with the help of Nerlove Adjustment Lag Model, the acreageresponse were accessed. The competing crops were identified according to the correlation analysis as paddy, kh. maize and soybean in Western Maharashtra; paddy, black gram and kh. groundnut in Marathwada, pearl millet, green gram, and black gram in Vidarbha and green gram, soybean and kh. groundnut for the State as a whole. Seasonal indices of arrivals and prices were estimated by ratio to moving average method and both inter and intra year variability (C.V.) in arrivals and prices were studied. To ascertain the response of prices to a given change in arrivals and previous months price, a simple linear regression equation i.e. price function was used. Linear trend, Seasonal and Cyclical movements along with irregular variations were estimated. The market integration was tested by using Augmented Dickey Fuller test (ADF), Johanson’s Co-integration test, Error Correction Model (ECM) and ARCHGARCH analysis. A very distinguished picture of changes in area, production and productivity of pigeonpea could be seen for entire Maharashtra State. During period I, the area, production and productivity has increased significantly by 2.43, 3.96 and 1.50 per cent, respectively. The same scenario could be observed during the entire period with the magnitudes of 1.90, 2.59 and 0.67 per cent in area, production and productivity, respectively. On the contrary, the positive and significant growth of 0.79 per cent in area coupled with positive but non-significant growth of 1.29 and 0.50 per cent in production and productivity respectively was seen during period II. Thus, for the entire state, the increase in the production of pigeonpea was the combined effect of area expansion and productivity enhancements. The improvements in productivity of pigeonpea have increased the production to a better extent rather than the area expansion in Konkan, Western Maharashtra and Marathwada regions. On the contrary, the area expansion has significantly increased the production of pigeonpea in Vidarbha region than that of productivity improvement. In Western Maharashtra, during period I, the lagged productivity of pigeonpea (1.63%) had positive and significant influence over the current acreage of pigeonpea. During the post Technology Mission on Pulses in period II (1991-92 to 2015- 16), the lagged prices had positively decided the current acreage allocation to the extent of 1.19 per cent. In the entire period i.e. from 1970-71 to 2015-16, the current acreage under pigeonpea was mainly affected by lagged prices and area under pigeonpea itself to the extent of 0.65 and 0.35 per cent, respectively. Among the competing crops, the significant negative influence of current area under paddy and kharif maize was observed in current area allocation of pigeonpea. The lagged prices (0.83%) and area (0.98%) of pigeonpea, current area of black gram (0.49%) and lagged price of kharif groundnut (1.05%) showed positive and significant effect over the acreage allocation for pigeonpea during the entire period of 46 years i.e. from 1970-71 to 2015-16. It indicates that kharif groundnut and pigeonpea were having competitive behavior for acreage allocation as per farmers decision in Marathwada region. Pigeonpea being a traditional crop of Vidarbha region and itsimportance in cotton-pigeonpea intercropping in the region, a very few of the selected variables had any significant influence on allocation of area for pigeonpea, as the farmers were obliged to cultivate pigeonpea against any of the parameters of decision making. In the entire study period, the lagged area under pigeonpea and lagged prices of soybean affected the current area allocation with a magnitude of 0.37 and 0.92 per cent, respectively. While, lagged groundnut prices and lagged green gram productivity had lowered down the area under pigeonpea by 0.85 and 2.13 per cent, respectively for the entire Maharashtra State. The negative and significant relationship among arrivals and prices was noticed in Barshi (0.44) and Solapur (0.80) markets from Western Maharashtra; Latur (0.69) and Udgir (0.65) markets from Marathwada and Hinganghat (0.70) and Khamgaon (0.61) from Vidarbha region. On the other hand the relationship between monthly arrivals and prices were negative but non-significant in Akkalkot (0.11) and Amravati (0.02) markets from Western Maharashtra and Vidarbha region, respectively. The negative coefficient or inverse relationship implies that with increase in the quantity of arrivals of pigeonpea in the markets, the prices were declining and vice-versa. The price function analysis revealed that, the two explanatory variables jointly explained 84 (Amravati) to 92 (Jalna) per cent variation in prices of pigeonpea among the selected markets. The regression coefficient of arrivals was negatively significant in Akkalkot, Barshi, Hinganghat and Khamgaon markets and it was negative but non-significant in remaining markets. It clearly indicated that as arrivals in any market under study increases, the prices declined. The lagged month prices of pigeonpea were positive but non-significant in all the markets, indicating positive impact of lagged month prices on current month’s prices of pigeonpea. The total variation in arrivals and prices of pigeonpea was 46.58 and 74.35 per cent in Akkalkot market, 90.09 and 57.47 per cent in Barshi market and 60.34 and 59.02 per cent in Solapur market, respectively. In Latur market, the magnitude of arrivals were changed between 40.45 (June) to 107.39 (November) per cent, while variation in prices were 55.28 (July) to 60.97 (May) per cent. In Jalna market, the variation in arrivals of pigeonpea ranged between 42.26 (January) to 160.45 (September) per cent and variation in prices increased from 54.14 (February) to 64.45 (November) per cent. In case of Udgir market, the variation in arrivals and prices of pigeonpea ranged between 52.57 (February) to 99.86 (September) per cent and 57.29 (February) to 61.85 (January) per cent, respectively. The maximum variation in arrivals of pigeonpea was observed during November in Hinganghat (161.25 %) and Amravati (154.51 %) markets, while during December in Khamgaon (139.55 %) market. The maximum variation of 260.36 per cent was observed in Akkalkot market during 2016. The variation in prices was ranged between 3.81 to 34.61 per cent in Akkalkot market. In case of Barshi market, the coefficient of variations in arrivals and prices were ranged between 90.76 to 239.21 per cent and 4.86 to 19.42 per cent, respectively.The variation in per quintal average prices of pigeonpea has increased from 5.01 to 21.48 per cent during the period under study in Latur market. The maximum variation in arrivals of pigeonpea was observed in Jalna and Udgir markets to the tune of 211.33 and 177.20 per cent, respectively. On the other hand, the per quintal prices varied by 26.16 and 27.59 per cent, respectively in Latur and Udgir markets. The variation range of average arrivals was 66.46 to 164.06 per cent in Hinganghat market. While the per quintal prices of pigeonpea varied between 1.03 to 20.59 per cent. Similarly, the maximum variation in arrivals was to the tune of 323.03 per cent during the year 2015 in Amravati market were noticed. The maximum and minimum price variation of 22.12 (2009) and 5.42 (2006) per cent, was seen in Amravati market. In the case of Khamgaon market, average annual arrivals of pigeonpea varied between 50.85 to 155.22 per cent, on the other hand, the variation in prices was observed to be moving between 4.53 to 22.77 per cent. Heavy fluctuations in the indices of arrivals and prices with no definite pattern were observed among the selected markets for the study period. The average and estimated prices of pigeonpea revealed that, for all the regions and all the markets under study, the average prices of pigeonpea were above the estimated prices during the initial years i.e. 2002 and 2003 and during 2009. Also, the average prices were more than estimated prices during 2015 and 2016, the terminal years of study. The exceptions to this situation was noticed in Vidarbha region, as the average prices of pigeonpea were higher than the estimated prices of pigeonpea successively for three year as 2002, 2003 and 2004 in Hinganghat market. Similarly, in Amravati market the average prices were higher during 2002 to 2005 than the estimated prices. The cyclical variations analysis stated that there was no cycle in any selected markets of all regions. The critical value (-4.01044) obtained through Augmented Dickey-Fuller (ADF) test is greater than all the ADF values of first difference in all the selected markets stating that, there existed unit root in these markets. Which implies that, the data series in these markets becomes stationary after first difference except Barshi market which recorded lower ADF value than that of critical value at 1 per cent level. The Johansen's multiple co-integration test shows that, as per the trace statistics values in Western Maharashtra, Marathwada and Vidarbha region were greater than their critical values at 5 per cent level, the two co-integration equations in selected markets in each of western Maharashtra (Akkalkot, Barshi and Solapur) and Marathwada (Latur, Jalna and Udgir) region and one co-integration equation in Vidarbha (Hinganghat, Amravati and Khamgaon) region were observed. The Granger Causality Test (Granger, 1969) analysis indicated that, the unidirectional price influence was observed in Akkalkot- Amravati, Latur- Akkalkot, Udgir- Akkalkot, Hinganghat-Amravati, Amravati- Jalna, Khamgaon- Amravati, Solapur- Barshi, Udgir- Barshi, Hinganghat- Jalna, Hinganghat- Latur, Hinganghat- Udgir, Khamgaon- Jalna, Udgir- Jalna, Latur- Khamgaon and Latur- Solapur markets. Whereas, bidirectional price influence was noticed in Barshi- Akkalkot, Hinganghat-Akkalkot, Jalna- Akkalkot, Khamgaon- Akkalkot, Solapur- Akkalkot, Barshi- Amravati, Solapur- Amravati, Hinganghat- Barshi, Jalna- Barshi, Khamgaon- Barshi, Latur- Barshi, Khamgaon- Hinganghat, Solapur- Hinganghat, Latur- Jalna, Solapur- Jalna, Solapur- Khamgaon, Udgir- Latur and Udgir- Solapur markets. However, in Latur- Amravati, Udgir- Amravati and Udgir- Khamgaon markets none price influence was depicted. To detect the volatility in the prices of pigeonpea in selected markets the ARCH-GARCH analysis was carried out and it was observed that the sum of Alpha and Beta is nearer to 1 which indicated that the volatility shocks in the prices of pigeonpea are quite persistent in these markets. The results of Vector Error Correction Model (VECM) stated that, in Western Maharashtra Akkalkot and Solapur markets, in Marathwada region, Jalna and Udgir markets and in Khamgaon market of Vidarbha region attains short run equilibrium rapidly. The area of pigeonpea in Maharashtra State will increase to 16163.76 hundred hectares (2030-31) due to 1.90 per cent increase in area per annum, while during the same period the production will increase to 8251.76 lakh tones at constant productivity. On the contrary, with the increasing productivity of 0.67 per cent per annum, the productivity will reach to 568.07 kg/ha which will increase the production upto 9182.22 lakh tones in 2030-31. The growth rate of urban population under Situation I (Increase @ 0.04 %/ annum) and Situation II (Increase @ 0.05 %/ annum) will increase by 3.76 and 3.95 per cent, respectively in 2030-31. The urban population in 2030-31 will reach up to 11.61 and 11.82 crores under Situation I and Situation II, respectively. The per capita requirement of pigeonpea will be 31.52, 31.25, 31.02 and 30.80 gms, respectively during 2013-15, 2020-21, 2025-26 and 2030-31. Thus the total demand for pigeonpea will be 13.80, 15.68, 17.54 and 19.76 lakh tones, respectively during the years mentioned above under Situation I, while the demand will be 13.80, 15.69, 17.58 and 19.87 lakh tones under Situation II, respectively. Additional area of 2264.94 thousand hectares will be required during 2030-31 at constant productivity and 1871.64 thousand hectares at increasing productivity will compensate the requirement of pigeonpea as per nutritional requirements of growing population.ThesisItem Open Access ACREAGE RESPONSE OF PRINCIPAL CROPS IN AHMEDNAGAR DISTRICT(Mahatma Phule Krishi Vidyapeeth, Rahuri., 1995) Bibave, Girish Ashok; Sale, D.L.The present investigation was undertaken to study growth rates in area, production and productivity of important crops viz.. bajra, rabi jowar, wheat, tur, gram, sugarcane, safflower, kharif groundnut, summer groundnut for the period from 1960-61 to 1990-91. The study also focussed attention on acreage response of these crops with price and non-price variables. The short-run and long-run price elasticities of acreages were also estimated in the same study. the time series data relating to the aspects of study were collected for the above period from the published literature as well as from other relevant sources. The data were analysed by fitting linear and exponential functions to estimate the growth rates. The acreage response was analysed by using linear multiple regressions based on the Nerlovian partial adjustment models. The analysis revealed that the linear and compound growth rates in area, production and productivity of wheat, gram, sugarcane, safflower, bajra and summer groundnut were found to be positive and the growth rates of rab3 jowar, kharif groundnut and tur were found to be negative. Tnus, the crops viz., wheat, gram, sugarcane, safflower, bajra and summer groundnut showed better performance during the entire period under consideration. The performance of rabi jowar. kharif groundnut and tur was very poor in terms of growth rates of area, production and productivity during the period. However, the magnitudes and levels of significance varied in respect of various crops during two sub-periods. The farmers' response to price changes was significantly positive in Ahmednagar district in respect of bajra and gram crops. It was observed to be significantly negative in the case of rabi jowar and tur. While, the response was positive but non-sigmficant in respect of wheat, safflower and summer groundnut and negatively and non significant in the case of sugarcane and kharif groundnut. The lagged acreages of the respective crops played very important role in determining the expansion of acreages of all the selected nine crops during the entire period of 31 years, though the dismal picture was depicted in few crops during sub-periods. This indicated that farmers from Ahmednagar district are tradition ridden in adopting crop pattern The lagged yields showed positive impact on variation in area under wheat, tur. sugarcane, kharif groundnut and summer groundnut, while in other crops viz., bajra, rabi jowar and gram the lagged yield had negative influence on the area under these crops. The rainfall during pre-sowing/planting period had positive though non significant impact on acreage allocation of these crops with exception of sugarcane crop. The variables viz., area under competing crops, relative prices and relative yields did not play an important role in acreage allocation of the selected crops in the district. The short-run and long-run elasticities of acreages in the case of gram indicated that the supply was elastic during long-run, while the unelastic supply was observed in almost all the selected crops. Both the short-run and long-run elasticities of acreages were found to be positive in respect of bajra, wheat, gram, safflower and summer groundnut and negative in respect of rabi jowar, sugarcane, tur and kharif groundnut. The analysis brought out many policy implications. The efforts needs to be made to reverse the declining trends in area, production and productivity of important crops by adopting modern technology, evolving high yielding varieties and providing protective irrigation. Suitable remedial measures are required to be adopted to give momentum to the declining productivity of sugarcane. The price incentive is important and hence a positive price policy is called for in order to increa^ the area or to bring improvements in productivity or both This study thus suggests the need for education ar-d training of farmers in respect of high tech in agriculture, crop protection measures, soil and water conservation, post harv-sjt technology, crop insurance schemes, marketing and allied activities which will help m bringing about the desired changes in the cropping pattern.ThesisItem Open Access ACREAGE RESPONSE OF PRINCIPAL CROPS IN MAHARASHTRA STATE(Mahatma Phule Krishi Vidyapeeth, Rahuri., 1987) Sale, D.L.; Dhongade, M. PThe present investigation was undertaken with a view to examine empirically the trends in area, produc tion and productivity of important crops viz; kharif jowar, rabi jowar, sugarcane and groundnut with the inter district and inter-regional comparisons for the period from 1959-60 to 1982-83. The study also focussed attention on the supply response of these crops by analysing the acreage and the production response as well as the factors contributing towards the supply behaviour of these crops in the selected districts, regions and the State as a whole during the period under reference. The time-series data relating to the aspects of the study were collected .," for the above period from the published literature as well as from other relevant sources. The data were analysed by fitting linear and exponential functions to study the growth rates. The acreage response was analysed by using linear multiple regressions based on the Nerlovian partial adjustment models and production response by linear multiple regression. The analysis revealed that the linear and compound growth rates in area, production and productivity of kharif jowar and sugarcane were positive and significant at either 5 or 1 per cent level of significance for the selected districts, regions and the State as a whole with a few exceptions. However, there were wide fluctuations in the trends in area, production and productivity during the three sub-periods. The performance of rabi jowar was observed to be unsatisfactory during the period under study. The groundnut crop recorded negative rates of growth in area, production and productivity during the entire period of study with exceptions of positive trends of area in a few districts of Vidarbha region. The negative trend in the production of groundnut was mainly because of the declining area and marginally declining productivity. The variations in acreage of kharif jowar were contributable to two major factors viz; lagged price and lagged acreage of the crop and marginally to pre sowing period rainfall, lagged yield, area under the competing crops and their relative prices. Similar was the situation in case of sugarcane. In groundnut, the negative and significant association between the lagged price and the acreage was observed. This suggests the need for a judicial price policy. The lagged acreage, pre-sowing period rainfall, lagged yield, area under the competing crops and their relative prices were observed to play a vital role in influencing groundnut acreage. Thus, the supply behaviour of these 3 crops was found to be elastic, while that of rabi jowar was inelastic.ThesisItem Open Access Acreage Response of Sugarcane and Variation in Cane Supply to Sugar Factories in Western Maharashtra(MPKV, UNIVERSITY LIBRARY, 1978) KSHIRSAGAR SAHEBRAO M; PAWAR. J.R.ThesisItem Open Access ADEQUACY AND UTILIZATION OF CO-OPERATIVE CREDIT FOR SUGARCANE FARMS IN PUNE DISTRICT (MAHARASHTRA)(Mahatma Phule Krishi Vidyapeeth, Rahuri., 1998) Patil, N.R.; Naikawadi, D.J.This study was undertaken with a view to a) Esti mate the per hectare cost of cultivation and short term credit requirements on Sugarcane Farms; b) Estimate the credit gap on sugarcane farms; c) Study the utilisation pattern of credit on sugarcane farms; d) Study the credit problems on sugarcane.In all 108 sugarcane cultivators were selected from Haveli tehsil of Pune District. The sample farmers were classified into three size groups of farms, i.e. small, medium and large for further analysis. The data of the study pertained to the reference year, 1995-96. In adsali sugarcane the per hectare cost A was Rs.43,507.16 and cost C was Rs.67,715.56. In suru Sugarcane cost A was Rs.33,643.17 and cost C was Rs.51,956.76. In ratoon sugarcane cost A was Rs. 21,468.09 and cost C was Rs.37,486.70. The per hectare credit gap for adsali sugarcane was Rs.l2,X57.16 and for suru Sugarcane it was Rs.6,143.17. The credit supplied for ratoon sugarcane was sufficient Out of the average per farm total amount of Rs. 18358.88, Primary Agriculture Co-operative Society contribut ed its maximum share of Rs.8,421.69, followed by commercial banks, Yeshwant Sahakari Sakhar Karkhana and Co-operative Bank for Agriculture and Rural Developments contributed to Rs.6,962.20, Rs.1,784.52 and Rs.1,190.47 respectively. Out of the total loan amount borrowed on per farm level cultivators highly preferred short term loan of Rs.9.513.86 followed by medium term loan with Rs.7,498.54 and long term loan with Rs. 1,346.49 respectively. Out of the total loan amount borrowed by cultiva tors on per farm level of Rs.18,358.87, cultivators utilised maximum amount of loan as crop loan, i.e. Rs.9,723.31, followed by purchase of tractor with Rs.6,274.98, establis hment of lift irrigation with Rs.1,310.96, for pipeline and land development with Rs.750.00, drilling of borewell with Rs.216.39 and purpose of electric motor with Rs. 83.33. The major problems faced by the cultivators in obtaining the loan were; inadequate amount of loan disbursed to them, the procedure for obtaining the loan was cumbersome and the time consuming; loan was not available at right time. The major suggestions given by the cultivators were; procedure formulated by the bank in obtaining the loan should be easy and simple; amount of loan should be dis bursed adequate and in time; Sundry expenses should be elimi nated; the rate of interest charged by the bank for the agricultural finance should be lowered down.ThesisItem Open Access ADEQUACY AND UTILIZATION OF CO-OPERATIVE CREDIT FOR SUGARCANE FARMS IN PUNE DISTRICT (MAHARASHTRA)(Mahatma Phule Krishi Vidyapeeth, Rahuri., 1998) Patil Nitin R.; Naikawadi, D.J.This study was undertaken with a view to a) Esti mate the per hectare cost of cultivation and short term credit requirements on Sugarcane Farms; b) Estimate the credit gap on sugarcane farms; c) Study the utilisation pattern of credit on sugarcane farms; d) Study the credit problems on sugarcane.In all 108 sugarcane cultivators were selected from Haveli tehsil of Pune District. The sample farmers were classified into three size groups of farms, i.e. small, medium and large for further analysis. The data of the study pertained to the reference year, 1995-96. In adsali sugarcane the per hectare cost A was Rs.43,507.16 and cost C was Rs.67,715.56. In suru Sugarcane cost A was Rs.33,643.17 and cost C was Rs.51,956.76. In ratoon sugarcane cost A was Rs. 21,468.09 and cost C was Rs.37,486.70. The per hectare credit gap for adsali sugarcane was Rs.l2,257.16 and for suru Sugarcane it was Rs.6,143.17. The credit supplied for ratoon sugarcane was sufficient.Out of the average per farm total amount of Rs. 18358.88, Primary Agriculture Co-operative Society contribut ed its maximum share of Rs.8,421.69, followed by commercial banks, Yeshwant Sahakari Sakhar Karkhana and Co-operative Bank for Agriculture and Rural Developments contributed to Rs.6,962.20, Rs.1,784.52 and Rs.1,190.47 respectively. Out of the total loan amount borrowed on per farm level cultivators highly preferred short term loan of Rs.9.513.86 followed by medium term loan with Rs.7,498.54 and long term loan with Rs. 1,346.49 respectively. Out of the total loan amount borrowed by cultiva tors on per farm level of Rs.18,358.87, cultivators utilised maximum amount of loan as crop loan, i.e. Rs.9,723.31, followed by purchase of tractor with Rs.6,274.98, establis hment of lift irrigation with Rs.1,310.96, for pipeline and land development with Rs.750.00, drilling of borewell with Rs.216.39 and purpose of electric motor with Rs. 83.33. The major problems faced by the cultivators in obtaining the loan were; inadequate amount of loan disbursed to them, the procedure for obtaining the loan was cumbersome and the time consuming; loan was not available at right time. The major suggestions given by the cultivators were; procedure formulated by the bank in obtaining the loan should be easy and simple; amount of loan should be dis bursed adequate and in time; Sundry expenses should be elimi nated; the rate of interest charged by the bank for the agricultural finance should be lowered down.ThesisItem Open Access ARRIVALS AND PRICES OF SELECTED AGRICULTURAL COMMODITIES IN APMC, KOLHAPUR(Mahatma Phule Krishi Vidaypeeth, Rahuri, 2014) Thakare.H.P.; Shinde.H.R.The market information relating to market prices and arrivals over a period of time helps the farmers to take decision about the future production pattern and sale of agricultural commodities in the market during specific period. The APMCs were established by state government for regulating the marketing of different kinds of agricultural produce. Agriculture Produce Market Committee’s help the farmer in disposing of their produce in the market smoothly by reducing the exploitation level and to promote fair trade by providing infrastructural facilities to farmers. The present investigation was undertaken to study the arrivals and prices selected agricultural commodities in APMC, Kolhapur with the objectives viz., to study the organizational structure of APMC, Kolhapur, to study the trends in arrivals and prices of selected agricultural commodities, to study the seasonal indices in arrivals andprices of selected agricultural commodities and to study the variability in arrivals and prices of selected agricultural commodities. The APMC, Kolhapur was selected purposively for the study. Six agricultural commodities viz., wheat, paddy, onion, potato, groundnut and jaggery were selected on the basis of maximum area under crop and high volume of transaction in the APMC. The secondary data were collected from APMC, Kolhapur for the period of 11 years since 2001-02. The data were analysed with simple statistical tools for fulfilling set objectives. Trends in arrivals and prices, seasonal indices, coefficient of variability, correlation coefficient were estimated by using appropriate statistical technique for arriving at meaningful conclusions. The study revealed that, organizational structure and composition was established well according to the Maharashtra Agricultural Produce Marketing (Regulation) Act 1963. The open auction method was strictly followed in the market, the overall conduct and law and administrative promptness was seen satisfactory. The analysis of trends in arrivals and prices revealed that, arrivals of paddy, groundnut, onion, potato and jaggery had increased during the period under study whereas arrivals of wheat decreased in the same period. The prices of all commodities were found to be increased over entire period.The estimated future projections of arrivals for agricultural commodities treaded in APMC, Kolhapur showed that there will be increase in arrivals of paddy, onion, potato and jaggery. The more variability was observed in the arrivals of wheat, paddy, onion, groundnut and jaggery due to fluctuations in the production and decreased in demand. The inverse relationship between arrivals and prices was noticed for wheat, jaggery and groundnut which indicated that the increase in arrivals lowered the prices of these commodities. This study suggested that the Agricultural Produce Market Committee (APMC’s) Kolhapur should provide necessary grading and storage facilities which help get higher prices to the producers. The APMC should create facility to judge the quality of jaggery and organize separate auction for different types of jaggery. The officials of APMC, Kolhapur should make sufficient arrangements for trading huge quantum of paddy, potato, onion and jaggery in near future. study also suggests that wheat growers should bring wheat for sell in the APMC, Kolhapur during the month of December to March. The paddy growers shall bring paddy for the sell in the APMC, Kolhapur during the month of August to December. The onion growers shall bring onion for sell in APMC, Kolhapur during September to December. Potato can be brought for sell in APMC, Kolhapur during the month of September to December and the groundnut during April and September to January and in case jaggery for sell in APMC, Kolhapur during August and October to December in order to get good prices for their produce.ThesisItem Open Access “ARRIVALS AND PRICES OF SELECTED AGRICULTURAL COMMODITIES IN APMC, KOLHAPUR ’’(Mahatma Phule Krishi Vidyapeeth, Rahuri., 2014) THAKARE HEMANT PARASHRAM; Shinde, H.R.The market information relating to market prices and arrivals over a period of time helps the farmers to take decision about the future production pattern and sale of agricultural commodities in the market during specific period. The APMCs were established by state government for regulating the marketing of different kinds of agricultural produce. Agriculture Produce Market Committee’s help the farmer in disposing of their produce in the market smoothly by reducing the exploitation level and to promote fair trade by providing infrastructural facilities to farmers. The present investigation was undertaken to study the arrivals and prices selected agricultural commodities in APMC, Kolhapur with the objectives viz., to study the organizational structure of APMC, Kolhapur, to study the trends in arrivals and prices of selected agricultural commodities, to study the seasonal indices in arrivals and prices of selected agricultural commodities and to study the variability in arrivals and prices of selected agricultural commodities. The APMC, Kolhapur was selected purposively for the study. Six agricultural commodities viz., wheat, paddy, onion, potato, groundnut and jaggery were selected on the basis of maximum area under crop and high volume of transaction in the APMC. The secondary data were collected from APMC, Kolhapur for the period of 11 years since 2001-02. The data were analysed with simple statistical tools for fulfilling set objectives. Trends in arrivals and prices, seasonal indices, coefficient of variability, correlation coefficient were estimated by using appropriate statistical technique for arriving at meaningful conclusions. The study revealed that, organizational structure and composition was established well according to the Maharashtra Agricultural Produce Marketing (Regulation) Act 1963. The open auction method was strictly followed in the market, the overall conduct and law and administrative promptness was seen satisfactory. The analysis of trends in arrivals and prices revealed that, arrivals of paddy, groundnut, onion, potato and jaggery had increased during the period under study whereas arrivals of wheat decreased in the same period. The prices of all commodities were found to be increased over entire period. The estimated future projections of arrivals for agricultural commodities treaded in APMC, Kolhapur showed that there will be increase in arrivals of paddy, onion, potato and jaggery. The more variability was observed in the arrivals of wheat, paddy, onion, groundnut and jaggery due to fluctuations in the production and decreased in demand. The inverse relationship between arrivals and prices was noticed for wheat, jaggery and groundnut which indicated that the increase in arrivals lowered the prices of these commodities.ThesisItem Open Access ASSESSMENT OF ECONOMIC LOSSES DUE TO OILY SPOT DISEASE ON POMEGRANATE IN PANDHARPUR TAHSIL OF SOLAPUR DISTRICT(Mahatma Phule Krishi Vidyapeeth, Rahuri., 2008) Salunkhe, V.D.; Tilekar, S.N.A new disease, oily spot of pomegranate was observed in Chilk Mahud village of Sangola tahsil of Solapur district in the 3'ear 2003. Thereafter, in Maharashtra, nearly 60 per cent loss in pomegranate production was observed every 3^ear because of oily spot disease. That's why present study was undertaken to examine the present scenario of oily spot affected orchard, physical and monitory losses due to oily spot disease, price differentials between healthy orchard and oily spot affected orchard, factors influencing net prices for such fruits and control measures undertaken by various agencies over oily spot disease and feedback from farmers. Pandharpur tahsil was purposively selected for the stud}' because of acute incidence of oily spot disease. In all, 90 sample cultivators, 15 cultivators from each of six villages were selected for study. In functional analysis, the different factors were regressed on the net price received for evaluating their effect. The variables which were found to be significant are total quantity sold in quintals, quantity of Grade I pomegranate, quantity of Grade II, quantity of Grade III and quantity sold through co-operative societies. Some control measures were recommended by MPKV, Rahuri for oily spot disease of pomegranate. The awareness and adoption of these control measure was more in case of healthy orchard grower than the partially and fully oily spot affected orchard grower. Farmers have suggested for development of new disease resistant variety, new chemical for spray, pomegranate processing unit and establishment of 'Anardana' market etc. Efforts should be mado. to develop disease resistant variety, provide disease free planting material, regular visit of Agriculture Officer or Agriculture Scientist to farmer's field and arrange village level campaigns over oily spot disease of pomegranate are required to be undertaken. The average productivity of pomegranate was 133.49 quintals per hectare. The Ganesh variety of pomegranate has shown highest productivity of 144.90 quintals per hectare. Among the three bahars, Mrug bahar gave maximum average productivity of 136 quintal per hectare. The study revealed that, in Solapur district, 10380 ha area was affected by oily spot disease which was 31 per cent of the cultivated area. In Pandharpur tahsil, area affected was 3645 ha which was 60 per cent of the cultivated area. Pandharpur tahsil has 50 per cent disease severity and 38.25 per cent incidence of oily spot disease.ThesisItem Open Access Assessment Of Regional Disparities In Agricultural Development Of Maharashtra(Mahatma Phule Krishi Vidyapeeth, Rahuri., 2012) Ganvir Balakdas N.; Yadav, D.B.Maharashtra State is unique State in Indian Union as far as the varying agro-climatic conditions are concerned. The variabilities in topography of soil and climatic factors have colosal impact on crop and land use patterns, use of inputs and adoption of technological innovations in crop production inclusive of area and productivity, among the regions, states, countries and continents. In the light of the variabilities in natural resource endowments, infrastructural development and other developmental efforts of the past, it may be pointed out that at present, there exist a wide disparity in the level of agricultural development both at the national and regional levels. An unchecked and uncontrolled process of growth leading to regional disparities, results in numerous economic, social and cultural problems. Keeping these aspects in view the proposed study viz; “Assessment of Regional Disparities in Agricultural Development of Maharashtra” was undertaken with the objectives to examine the performance of agricultural development amongst the regions, to quantity the regionwise disparities in agricultural development, to identify the factors contributing to the regional variations in the development of agricultural and to identify the problems and suggest measures for agricultural development. Maharashtra State has been divided into four regions viz; Konkan, Western Maharashtra, Marathwada and Vidarbha region. The entire period of 45 years from 1960-61 to 2004-05 were divided into four sub- period i.e. period I : 1960-61-1969-70, period II :1970-71-1979-80, period III : 1980-81-1989-90 and period IV : 1990-91-2004-05. The exponential function, Y= abt, Factor Analysis and Principal Component Analysis, Cobb-Douglas production function, Gini ratio and Lorenz curve were employed. Total geographical area of Konkan, Western Maharashtra, Marathwada and Vidarbha region is 29.78, 116.28, 64.29 and 97.23 lakh hectares, respectively, while total population (2001) of the four regions was 248.83, 357.34, 156.29 and 206.30 lakhs, respectively. As per the census 2001, the percentage of total workers were the highest 44.62 per cent (69.74 lakhs) in Marathwada, Vidarbha 35.07 per cent (72.36 lakhs), Konkan 33.99 per cent (84.59 lakhs) and Western Maharashtra 33.79 per cent (120.77 lakhs). As per the census 2001, the percentage of total agricultural labours to the total populations were the highest 14.64 per cent (22.89 lakhs) in Marathwada followed by Vidarbha 12.75 per cent (26.32 lakhs).ThesisItem Open Access Assessment of Techno-Economic and Allocative Efficiencies of Cotton, Onion and Sugarcane growers of Western Maharashtra through Data Envelopment Analysis(MPKV, UNIVERSITY LIBRARY, 2013) BARAVKAR SHUBHANGI N.; BHOSALE, S.S.ThesisItem Open Access ASSESSMENT OF TECHNO-ECONOMIC AND ALLOCATIVE EFFICIENCIES OF KHARIF CROPS OF WESTERN MAHARASHTRA THROUGH DATA ENVELOPMENT ANALYSIS(Mahatma Phule Krishi Vidyapeeth, Rahuri., 2015) SHINDE VISHWANATH ANANT; Yadav, D.B.An attempt has been made in the present investigation to study the resource use structure, resource use and yield gap, costs and returns structure, techno-economic and allocative efficiencies of kharif crop growing farms in western Maharashtra and factors affecting inefficiencies on these farms. Also, cost minimizing input quantities and reduction in the cost of cultivation at the existing level of output were estimated by using Data Envelopment Analysis technique. The present study uses a two step methodology. In the first step, Data Envelopment Analysis (DEA) was used to model efficiencies an explicit function of discretionary variables. In the second step, farm specific variables such as a farmer’s age, education and land holding were used in a regression framework to explain variations in measured inefficiencies.The study was based on the micro level data collected in the scheme for “Creating Permanent Machinery for studying the Cost of Cultivation of Principal Crops in Maharashtra State (CPMCC),” sponsored by the Government of Maharashtra. The triennium averages of the data related to the years 2009-10 to 2011-12 were considered for the study. The sampling design adopted in the scheme is a three stage stratified random sampling with tahsil as a primary unit, a cluster of village as a secondary unit and operational holding within the cluster as an ultimate unit of sampling. In the said scheme, 32 clusters of the kharif crop complex were in operation during the years 2009-10 to 2011-12. Among these clusters 30 small, 30 medium and 30 large size group of holdings sample cultivators for all the 10 crops were considered for this study. Thus, the data were collected from 900 cultivators from above clusters spread over 10 districts of western Maharashtra and triennium average of the years 2009-10 to 2011-12 were taken in to consideration. The classification of farms according to size group of holdings is as small (0.01 to 2 ha), medium (2.01 to 4 ha) and large (above 4.01 ha). The resource use structure, resource use gap and costs and returns of selected crops were worked out by using standard cost concepts. The selected farms were categorized according to efficiencies. Also, the relationship between the cost of production and efficiency levels was analyzed. The efficiency of the all the 10 crop growers were measured by using the data envelopment analysis approach (DEA). The factors associated with inefficiency were determined in order to suggest proper reallocation of resources of the selected kharif crops.ThesisItem Open Access AWARENESS, ATTITUDE AND USAGE STUDY FOR MAHADHAN BENSULF AND MAHADHAN SHAKTI IN PUNE DISTRICT(Mahatma Phule Krishi Vidyapeeth, Rahuri., 2000) Shinde Sandeep K.; Sale, D.L.The present investigation was intended to depict the picture of behavior of farmers while purchasing Bensulf and Shakti in Khed and Ambegaon tahsils of Pune district. The study was conducted with a view to assess the market potential for sulphur and micronutrients, to study the awareness about the product, to study the adoption level of the farmers and to study results of field demonstration plot. In all 200 farmers were selected from Khed and Ambegaon tahsils of Pune district for study. Simple arithmetic tools like frequency and percentages were used. For showing relationship between dependent and independent variables Chi-square test was used. The data were related to agricultural year 1999-2000. The finding of study showed that there was very large available market potential for Bensulf (975.55 tonnes) and micronutrient (1003.96 tonnes). Market share can be increased by effective marketing. Sixty per cent respondent farmers were not aware about the Bensulf while 77 per cent farmers were not aware about the Shakti. Only 10 per cent farmers were using Bensulf and eight per cent farmers were using Shakti. Only 5 per cent Bensulf user farmers were found using 100 per cent recommended dose, while no farmer was found using 100 per cent recommended dose of Shakti. Farmers were getting good results of Bensulf. The study therefore suggests that, company should provide small trial packs(l Kg. or 2 Kg.), campaining in interior villages, bold names of Bensulf and Shakti on wall painting, dealers training, arrange small farmer rallies, field day and radio advertising, are essential for the effective marketing.ThesisItem Open Access "BEHAVIOUR OF POMEGRANATE GROWERS TOWARDS DRIP IRRIGATION SYSTEMS IN NASHIK DISTRICT"(Mahatma Phule Krishi Vidyapeeth, Rahuri., 2001) PAWAR AVINASH MOHAN; Kapase, P.M.The present investigation was intended to depict the picture of behaviour of pomegranate growers towards drip irrigation systems in Nashik district The study was conducted with a view to know the socio economic characteristics of pomegranate growers and their behaviour pattern in use of drip irrigation systems, estimate their economics, to find out the relationship between terms of purchase and size land holdings, to identify source of information and motives behind adoption of drip units, to study the management constraints faced by pomegranate growers in adoption of drip units and suggest remedials. In all 90 pomegranate growers who had installed drip irrigation systems for pomegranate were selected from 10 villages for the study The data were collected with the help of well designed and pretested interview schedule The collected data were processed through primary and secondary tables and were statistically analysed The statistical test like the cm-square was used to test the hypotheses and study the association between paired set of attributes mathematically. Benefit Cost ratio was also worked out to study the economics of pomegranate cultivation with various dnp irrigation units. The data were related to agriculture year 1999-2000 The findings of study revealed that age, education social participation and annual income had highly significant association with adoption of drip irrigation systems While type of family and size of family veve found to be insignificant m adoption of drip irrigation systems It was also observed that the majority of respondents used Jam brand of drip irrigation system (45 55 per cent), followed by EPC (20.00 per cent), Pragati (14 44 per cent, Plastro and Netafem drip shared equally (10 00 per cent). This was because of more facilities provided by Jain company compared to other companies in the market The pomegranate growers also preferred for dripper type irrigation system instead of micro-tube type irrigation system because of easy handling and easy cleaning while clogging takes place This shows the management outlook of pomegranate growers in selection of drip system and type of drip set At the overall level, the per hectare total cultivation cost of pomegranate with drip irrigation was Rs. 137695, while the gross return was Rs 2,23307 The net profit realised was Rs 85612 The highest net profit realised (Rs 87634) was in case of Jain type of irrigation system and lowest was (Rs. 79963) in Ptestro drip irrigation system The overall Benefit Cost was 1 62, while it was highest (1 66) in Jam irrigation system and lowest (1.57) in EPC irrigation system Among the size groups of land holdings, the Benefit-Cost ratio was highest in small size group (1 65) and lowest in large size group (1.55) It shows that intensive cultivation of pomegranate helped to obtained more returns The pomegranate growers from the medium and large groups of holdings preferred to purchase drip irrigation units on cash, while growers from small size groups of holdings preferred to purchase the same on credit.ThesisItem Open Access BEHAVIOURAL PATTERN OF VEGETABLE GROWERS TOWARDS USE OF RANADEY MICRONUTRIENTS IN SATARA DISTRICT(Mahatma Phule Krishi Vidyapeeth, Rahuri., 2002) Jdhav, R.Y.; Yadav, D.B.The gains of "Green Revolution" are attributable mainly to the availability of primary inputs viz., seeds of high yielding varieties, chemical fertilizers and irrigation. Among these, fertilizers occupy an important place. With the passage of time and increased consciousness among the farmers, there has been a shift in fertilizer consumption pattern. This shift is not only quantitative but also qualitative. It becomes, therefore, necessary to study the existing level of expenditure of farmers on fertilizers, their decision making process and thereby to find out the marketing implications if any. The present investigation was conducted in selected ten villages from Khatav and Koregaon tahsils (five each) of Satara district purposively. Nine farmers (three each of small, medium and large category) from each of the selected villages were selected randomly and total sample comprised of ninety farmers. The age, education, social participation, and annual income of farmers had the significant association with adoption of micronutrients. Size of land holding, occupation and size of family had insignificant association with the adoption of micronutrient fertilizers. All the farmers were well aware of the micronutrient fertilizers. Most of the farmers got information from Krishi Seva Kendra and marketing representative of the company. The other sources were friends, neighbours progressive farmers and magazines. Most of the farmers purchased the micronutrient on cash payment. For sale of micronutrient fertilizers Ranadey Agro Pvt. Ltd. company adopt marketing channel as Manufacturer ^ District distributors * Tahsil distributor • Krishi Seva Kendras • farmers. They adopted strategies for sales promotion of product like appointment of technical person as salesman at District and Tahsil level, information by technical person or staff on farm, one day training of farmers, testing soil and water pH freely and giving information about actual amount of micronutrient use. The cropping pattern of the farmers from selected area showed contribution potato, onion and tomato vegetables on large scale. Potato, Onion and Tomato crops showed 10 to 15 per cent increase in productivity due to the use of micronutrient fertilizers. High cost of micronutrient fertilizers, non-availability in time, in required quantity and at required place, lack of information about product, lack of knowledge about which, when and how to apply, requirement of skilled labour and transportation problems were the major constraints reported by the farmers. The adoption of micronutrient fertilizers is more in irrigated area and among literate farmers. There is need to draw attention in non irrigated area and among illiterate farmers through farmers rally, advertising and demonstrations.ThesisItem Open Access BEHAVIOURAL PATTERN OF VEGETABLE GROWERS TOWARDS USE OF RANADEY MICRONUTRIENTS IN SATARA DISTRICT(Mahatma Phule Krishi Vidyapeeth, Rahuri., 2002) Jadhav Rajesh Y.; Yadav, D.B.The gains of "Green Revolution" are attributable mainly to the availability of primary inputs viz., seeds of high yielding varieties, chemical fertilizers and irrigation. Among these, fertilizers occupy an important place. With the passage of time and increased consciousness among the farmers, there has been a shift in fertilizer consumption pattern. This shift is not only quantitative but also qualitative. It becomes, therefore, necessary to study the existing level of expenditure of farmers on fertilizers, their decision making process and thereby to find out the marketing implications if any. The present investigation was conducted in selected ten villages from Khatav and Koregaon tahsils (five each) of Satara district purposively. Nine farmers (three each of small, medium and large category) from each of the selected villages were selected randomly and total sample comprised of ninety farmers. The age, education, social participation, and annual income of farmers had the significant association with adoption of micronutrients. Size of land holding, occupation and size of family had insignificant association with the adoption of micronutrient fertilizers. All the farmers were well aware of the micronutrient fertilizers. Most of the farmers got information from Krishi Seva Kendra and marketing representative of the company. The other sources were friends, neighbours progressive farmers and magazines. Most of the farmers purchased the micronutrient on cash payment. For sale of micronutrient fertilizers Ranadey Agro Pvt. Ltd. company adopt marketing channel as Manufacturer ^ District distributors * Tahsil distributor • Krishi Seva Kendras • farmers. They adopted strategies for sales promotion of product like appointment of technical person as salesman at District and Tahsil level, information by technical person or staff on farm, one day training of farmers, testing soil and water pH freely and giving information about actual amount of micronutrient use. The cropping pattern of the farmers from selected area showed contribution potato, onion and tomato vegetables on large scale. Potato, Onion and Tomato crops showed 10 to 15 per cent increase in productivity due to the use of micronutrient fertilizers. High cost of micronutrient fertilizers, non-availability in time, in required quantity and at required place, lack of information about product, lack of knowledge about which, when and how to apply, requirement of skilled labour and transportation problems were the major constraints reported by the farmers. The adoption of micronutrient fertilizers is more in irrigated area and among literate farmers. There is need to draw attention in non irrigated area and among illiterate farmers through farmers rally, advertising and demonstrations.ThesisItem Open Access BIO-EFFICACY OF Bacillus thuringiensis (Berliner) FORMULATIONS AGAINST Earias viitella (Fabricius) ON OKRA(Mahatma Phule Krishi Vidyapeeth, Rahuri., 1996) Kharbade Satappa B.; Chandele, A.G.The present studies were carried out to find out the relative bioefflcacy of different formulated products of Bacillus thurlnglensls varieties viz., kurstakl, thurlnglensls, kurstakl X alzwal and alzwal against Earlas vlttella (Fabricius) on okra under laboratory and field conditions during Kharlf 1994, Kharlf 1995 and Summer 1995 at Agril. Entomology Section, College of Agriculture, Pune. The observations on biology of the pest, LT50 and per cent fruit damage and yield of marketable fruits of okra were recorded. The B.t. products tested were Dipel 8 L, Delfin WG, Biolep WP, Bioasp WP, Halt WP formulations of B.t. var. kurstakl, Agree WP B.t. var. kurstakl X alzwal, Biotox WP B.t. var. thuringiensls and Centari WG B.t. var. aizwai. Studies carried out under laboratory condition revealed that the formulations of B.t. var. kurstakl viz., Dlpel 8 L (LT50 24.71 hrs.), Delfin WG (LT50 29.07 hrs.) and Halt WP (LT50 29.92 hrs.) were observed to be more effective followed by the formulations of B.t. var. thurlnglensls, Biotox WP (LT50 31.25 hrs.), B.t. var. kurstakl X aizwai Agree WP (LT50 37.06 hrs.), B.t. var. aizwai Centari WG (LT50 42.20 hrs.). The larval mortality starts from 12 hrs after the treatment and reached to its peak at 60 hrs after the treatment. The corrected mortality and LT50 value indicating similar trend of efficacy. Under field conditions, B.t. var. kurstakl was found to be more effective when per cent fruit damage and yield of marketable fruits of okrarbaken into consideration. While, B.t. var. thurlngien3ls was moderately effective followed by B.t. var. kurstaki X aizwai and B.t. var. aizwai. The average yield of marketable fruits of okra during the year 1994-1995 as influenced by different B.t. treatments ranged from 60 to 76.56 q/ha as against 35.15 to 49.15 q/ha in untreated plots. While, per cent fruit damage ranged from 11.90 to 24.90 per cent as against 42.14 per cent in untreated control. All B.t. treatments/observed to be significantly superior over control. The present findings are indicative for the incorporation of B. t..s in development of Integrated Pest Management for E. vittella.ThesisItem Open Access BORROWING AND REPAYMENT OF FARM LOANS FROM CO-OPERATIVE BANKS IN THE IRRIGATED AND RAINFED AREAS OF SOLAPUR DISTRICT(Mahatma Phule Krishi Vidyapeeth, Rahuri., 1997) Lawate, V. V.; Pawar, J.R.In this investigation an attempt was made to study the borrowing and utilization of loans by farmers. It was also intended to study the repayment and overdues of loans and to identify the factors associated with the overdues. The study was undertaken in the developed and underdeveloped regions of Malshiras tahsil of Solapur district. The simple random sampling method was used for the selection of sample. The villages were grouped into two categories, one having the canal irrigation facilities and it was designated as developed or irrigated. The other category consisted of the villages which do not have canal irrigation facilities and was designated as underdeveloped or rainfed. From each category, five villages were selected. From each selected village, 5 farmers each from small, medium and large size groups were selected randomly. Thus the total sample comprised of 150 farmers. The data were collected by survey method for the year 1994-95. The average per holding amount of borrowing in the developed region was more than three fold than that in the underdeveloped region. The per hectare borrowings of the farmers in all the size groups of holding in the developed region were more than their counterparts in the underdeveloped region. At the overall level, 91.90 per cent of total loan was from the institutional sources and this proportion went on increasing with the increase in size of holding. Misutilization of short-term and long-term loans was more in the underdeveloped region than in the developed region, while the proportion of misutilization of medium-term loans was more in the developed region. The proportion of repayment of the principal amount was more in the developed region than that in the underdeveloped region. As far as the per hectare amount of outstanding loans and overdues (including interest) are concerned, the amount was more in the developed region than that in the underdeveloped region. The results of the multiple linear regression analysis revealed that the amount of overdues in the developed region was significantly related with the net income from crop production, net income from other than crop production and amount of loans used for the purpose for which it was taken. In the case of underdeveloped region, the amount of overdues was significantly related with the factors like net income from the sources other than crop production and amount of loan used for the purpose for which it was taken. The important reasons for non-repayment reported by the farmers were low income, non-remunerative prices and crop failure due to natural calamities. Low interest rates, concessions in repayment in case of natural calamities, timely and prompt communication of amount due and provision of timely finance were some of the suggestions made by them. It is felt that there is a need for increasing the institutional fiance in the underdeveloped region. There should be proper appraisal of loan proposals, follow up and supervision after the disbursement of loans. The wilful defaulters should be forced to repay the loans through proper action. The commercial banks may also be given statutory power for recovery of loans on the lines of co-operative banks. Timely and adequate finance should be provided by linking it with crop insurance scheme.