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2016 - 201912020 - 20221
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Subject: Agricultural Economics × Author: Sanjay × Start date: 1997 × Thesis Type: Ph.D ×
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    ThesisItemOpen Access
    An empirical analysis of agricultural credit system in Haryana
    (Chaudhary Charan Singh Haryana Agricultural University hisar, 2022-05) Sanjay; Pannu, R.S
    The present study was carried out to analyze the agricultural credit system of Haryana. A total of 300 farmers selected from 6 villages of three different agro climatic zones were interviewed. Demand supply gap calculations were made for the period 2009-18. It was observed that there was an over-supply of short term credit in Hisar and Karnal zone whereas, deficit was there in Jhajjar zone. Despite skewed distribution, Haryana witnessed an over-supply of short term credit throughout the study period. Of the total credit advanced to the sampled farmers, 17.1% 52.8% and 30.1% was utilized, partially diverted and completely diverted. Short term credit was primarily diverted towards marriage expenses, construction and repair, vehicle purchase, paying land rent, purchase of agricultural machinery and implements. The logistic regression performed to find the factors affecting credit defaults revealed that age area owned, outstanding non-institutional debt affected defaults positively and significantly whereas loan availed frequency, hypothecation/guarantor, family type and account holder before loan affected defaults negatively and significantly. The constraint analysis showed that time taken in sanctioning the loan, complexity of the procedure, excessive file charges, registry charges and managerial discretion affected access to institutional credit. Continuously decreasing profits, divergence towards paying debt, marriage and study expenses were the major reasons of defaults according to. Whereas, lenders found loan waiver promises and willful defaults as prime reasons. Clean record, land holding and off-farm income were major attributes that affected access to non-institutional credit cost of credit and compulsion of selling farm producing same lender or paying a penalty and is to sale were the problems reported by the study regarding non institutional finance
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    ThesisItemOpen Access
    A study on regulated markets in Haryana
    (CCSHAU, 2016) Sanjay; Sanjay Kumar
    The study was conducted in Haryana in 2014-15 to study the regulated markets of the state. It was revealed that huge investment has been made in recent years to equip the markets with required basic infrastructure facilities such as covered sheds, storage godowns, lighting, connectivity, parking space etc. Alongside this, many discrepancies also came to light, such as poor condition of market news and intelligence facilities in all the market yards and inadequacy of basic facilities such as drinking water and toilets. The main problem came out to be farmer‟s unawareness of rates and types of market charges to be paid by them that leaves a question mark on whether no unfair deduction is being made or not. Acute shortage of regulated markets was seen as per the recommendations of National Farmer‟s Commission in 2004. After studying the present condition of the selected markets following recommendations for further improvement of functioning of agricultural regulated markets in the state. Understanding the importance of timely and adequate market news and intelligence services, the market committees should properly use the facilities present such as notice board, ABIC and work for providing modern facilities to reduce dependence of farmers on unorganized sources of information. Proper implementation of free grading facility providing scheme of government by creating needed infrastructure and propaganda to highlights the benefits of grading of produce before sale to farmers. Conduct of demonstrations to convince the producers about the potentiality of graded products in securing better prices. List of market charges (types and rates) should be displayed in front of all commission agents shops in the market yard in Hindi. The number of public convenience facilities such as canteen, toilets, bathrooms, urinals, water coolers ( with purifiers) and rest sheds for hamals and palledars should be increased and maintained properly by market committees for regular water supply and cleanliness.