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M. Sc. Dissertations

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Subject: Home Science × Author: Raksha × End date: 2007 × Type: Thesis ×
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    ThesisItemOpen Access
    Procurement and utilization of credit facilities by rural women in Hisar district
    (CCSHAU, 2007) Raksha; Goel, Rita
    Around the world, women’s economic conditions are adversely affected by their lack of access to productive resources. A women’s economic position directly affects her ability to purchase, needed improvements in health, housing and education for herself and her family, her position and bargaining power in the family and community as well as her ability to act against violence in her home and her world. Credit being an entry point for development, increased access to credit for women is justified on all three grounds of equity, need and prudent banking. Though credit was recognized as an important plank of strategy for women in development right from 1975, no full proof credit system is yet developed, for delivering credit to poor women for self employment or enterprise development. To understand the credit behaviour of women, the present study was conducted in Hisar district, Haryana state. A sample of 100 rural women who procured credit was selected randomly to know the procurement, utilization and repayment pattern of credit. Personal, economic, communication and psychological variables were taken as independent variables, whereas, knowledge about the credit agencies, procurement of the credit, utilization of the credit and repayment of the credit were studied as dependent variables. The background information of the respondents revealed that majority of them were middle aged, illiterate, belonged to medium caste, had small nuclear family , medium family education status, agriculture as main family occupation. Low income, and land holding and herd size. They had low to medium communication and psychological profile. Study revealed that majority get information about credit from the neighbours, relatives and friends. Maximum credit was given by the State Bank of India and the scheme was Haryana Women Development Cooperation (HWDC). Cent per cent respondents conceptualized credit as a help to rural masses and the main reason for the procurement of credit was starting entrepreneurship. Majority completely utilized the credit but do not repay at time due to natural calamities. The overall constraints faced by respondents in procurement was educational, for utilization, it was insufficient amount and for repayment, communication was the major constraint. For constraints, they suggested that there should be awareness programme, procurement procedure should be easy, interest rate should be low etc. Occupation, risk orientation and economic motivation were significantly associated with the procurement behavior and innovation proneness was significantly associated with the repayment behavior of the respondents.