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Problems Faced in Accessing Banking Services: A Study of Small and Marginal Farmers of Ludhiana District.
(Punjab Agricultural University, Ludhiana, 2014) Malhi, Simrat Kaur
The study was conducted to analyze the problems faced by small and marginal farmers of Ludhiana district, in accessing banking services. Managers’ perception regarding problems faced by small and marginal farmers was also studied. Primary data was collected from annual reports of Reserve Bank of India, monthly bulletins of RBI, and other published data. Also the respondents were interviewed personally after telling them about the objective of the study. The respondents were asked about the problems faced by them in accessing banking services. A sample size of 25 farmers was selected from each of the four randomly selected villages. The study highlighted the problems faced by small and marginal farmers in accessing banking services. Lack of collateral security, low level of income, illiteracy, high transaction costs, high interest rates, external pressure on banks to lend to weaker sections and poor recovery of loan amount were some of the major problems faced by small and marginal farmers in access to banking services.