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Subject: Agricultural Economics × Author: Bisht, Jagvinder Singh × End date: 2009 × Start date: 2003 × Type: Thesis × Thesis Type: M.Sc ×
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    ThesisItemOpen Access
    Role of Hisar-Sirsa kshetriya gramin bank in rural financing
    (CCSHAU, 2005) Bisht, Jagvinder Singh; Dalvir Singh
    Agriculture is the backbone of Indian economy as it is providing livelihood to a majority of population and it is also a major contributor to the gross domestic product of our country. The population of our country is increasing so there is a need to increase the production as well. In this the role of credit is very crucial. Earlier most of the credit was disbursed to the large & well to do farmers due to their social and political influence. Thus, the role of institutional credit is quite important more particularly for the rural poor. The Hisar-Sirsa Kshetriya Gramin Bank was selected for the study because of its considerable progress in rural financing. The present study was planned with the following objectives: (i) To study the performance in terms of deposits mobilization, loan advances, recovered and overdues. (ii) To examine the borrowing pattern and extent of loan diversion. (iii) To assess the gap between the potential demand and existing credit supply. To accomplish the objectives, one branch from each district was selected, out of 50 branches of the bank, 3 branches were selected namely, Mirzapur, Dariyapur and Khariyan in Hisar, Fatehabad and Sirsa, respectively. The data were collected regarding 3 categories of borrowers namely; farmers, non-farmers and members of Self Help Groups. From each branch, 60 respondents were selected including 20 farmers, 20 non-farmers and 20 members of Self Help Groups. In all, data were collected from 180 respondents from three branches of the bank. The members of Self Help Groups who borrowed money from bank were categorized into cultivators and non-cultivators (landless, rural artisans and retail traders). The members of Self Help Groups who borrowed money from the bank received 64% of the money demanded and diverted 11.2% of the funds. The non-farmers were divided into landless, rural artisans and retail traders. The non-farmer borrowers received 71% of the amount demanded and diverted 9% of the amount advanced. The farmers were categorized into small i.e. upto 2.5 ha, medium between 2.5 and 3.5 ha, and large farmers above 3.5 ha, received 77% of the amount demanded and diverted 9.7% of the amount advanced. Of the total advances made to the farmers, non-farmers and Self Help Groups, 63% was advanced to the farmers, 21% to non-farmers and 16% to Self Help Groups. So it is clear from the study that there is a need to advance more credit to the non-farmers and the members of self help groups.