Theses

ABSTRACT Introduction: Agriculture is the backbone of the Indian economy, with nearly 67 per cent of the population of the country continuing to depend on it either directly or indirectly for their livelihood. Considering the dominant role of the sector and the importance of credit as an Indian agriculture had been on traditional till first waves of green revaluation gave a sudden boost to the production and productivity of the different crops. With the introduction of green revolution the cost structure and production of agriculture found to positive change but the main problem as it exists today is the transfer of technology, poor economic condition of the farmers. In this context, the Kisan Credit Card (KCC) scheme introduced in 1998-99 was a step towards facilitating the access to Short Term (ST) credit for the borrowers from the financial institutions. The scheme was conceived as a unique credit delivery mechanism, which aimed at provision of adequate and timely supply of credit to the farmers to meet their crop production requirements. The objective was to provide an instrument, which would allow farmers to purchase agricultural inputs such as seeds, fertilizers pesticides and also withdraw some cash for meeting their production related requirements Under the earlier system, disbursal of short-term credit to agriculture was mostly through demand loans, but some banks had adopted system similar to that of cash credit, the facilities were, however, given for the period of one year or less, which necessitated execution of fresh documents each season. The withdrawals under both the systems were permitted largely through debit vouchers or through withdrawals from the saving accounts where the cash components were credited. As far as the 'kind component' is concerned, payments were made through bankers' cheques. As a result the withdrawals were usually bunched at the beginning of the crop season and the repayments at the end of season, when the farmers were able to generate cash after harvesting and marketing their produce. Many financing agencies reported a poor recovery in respect of Kisan Credit Card users due to certain problem and different in repayment behaviour of beneficiaries. To know the factors responsible for poor repayment behaviour and make successful of Kisan Credit Card scheme this investigation has been undertaken with following specific objectives. Objectives: 1. To know the profile of selected Kisan Credit Card users. 2. To determine the repayment behaviour of Kisan Credit Card users. 3. To ascertain the association between repayment behaviour of Kisan Credit Card users and their profile. 4. To study the constraints faced by Kisan Credit Card users during issuing the card and repayment of loan. 5. To suggest the strategies for overcoming the constraints. The proposed study was confine to Jabalpur district of Madhya Pradesh which comprises 7 blocks namely Sihora, Patan, Majholi, Shopura, Panagar, Kundam and Jabalpur. Out of these blocks only one block i.e. Panagar was selected purposively for study due to convenience of data collection and well aware area by researcher. The State Bank of India, Panagar branch is the leading in agriculture finance among the all Agriculture Development Branches (ADB) hence, selected for present study. In the Panagar block the SBI covers 185 villages, these villages distributed into 23 service areas. Out of these 185 villages of 23-service area only 12 villages was selected which having maximum number of KCC users issued by SBI. Out of total Kisan Credit Card holders of these villages, 10 KCC holders were select randomly from each village. In this way a total of 120 KCC holders were considered as respondents for collection of data in this study. Variables and their measurement: The relevant independent and dependent variables considered under the study were as: Independent Variables: Age, Education, Family background, Family type, Size of land holding, Annual income, Social participation, Extension contact with extension agencies, Extension participation, Information source, Attitude towards KCC scheme and Knowledge about KCC scheme. Dependent Variable: Repayment behavior of KCC users. Conclusions: The analysis of the data led to the following conclusions: A. Profile of selected Kisan Credit Card users:  Higher percentage of respondents was in middle age group followed by old and young.  Higher percentage of respondents was found to illiterate group followed by primary + middle education and H.S.S.C and above education group.  Higher percentage of respondents was found to rich family background group followed by medium and poor family background group.  Higher percentage of respondents was found to nuclear family group followed by joint family group.  Higher percentage of respondents was had medium size of land holding followed by small and large size of land holding group.  Higher percentage of respondents was in medium annual income group followed by high and low annual income group.  Higher percentage of respondents was found to medium social participation group followed by high and low social participation group.  Higher percentage of respondents was found to low extension contact with extension agencies group followed by medium and high extension contact with extension agencies group.  Higher percentage of respondents was found to high extension participation group followed by medium and low extension participation group.  Higher percentage of respondents was found to low information source group followed by medium and high information source group.  Higher percentage of respondents was found to medium attitude towards KCC scheme group followed by high and low attitude towards KCC scheme group.  Higher percentage of respondents was found to high knowledge about KCC scheme group followed by medium and low knowledge about KCC scheme group. B. Repayment behaviour of Kisan Credit Card users.  Higher percentage of respondents was found to regular repayment behaviour group followed by irregular and defaulter repayment behaviour group. C. Association between repayment behaviour of Kisan Credit Card users and their profile.  It may be concluded that age had an influence on the repayment behaviour of Kisan Credit card users. The calculated Chi-square value 9.7* was found to be significant.  It may be concluded that education had an influence on the repayment behaviour of Kisan Credit card users. The calculated Chi-square value 12.5* was found to be significant.  It may be concluded that family background had an influence on the repayment behaviour of Kisan Credit Card users. The calculated Chi-square value 9.7* was found to be significant.  It may be concluded that family type had an influence on the repayment behaviour of Kisan Credit Card users. The calculated Chi-square value 7.7* was found to be significant.  It may be concluded that size of land holding had an influence on the repayment behaviour of Kisan Credit Card users. The calculated Chi-square value 10.6* was found to be significant.  It may be concluded that annual income had an influence on the repayment behaviour of Kisan Credit Card users. The calculated Chi-square value 10.6* was found to be significant.  It may be concluded that social participation had no influence on the repayment behaviour of Kisan Credit Card users. The calculated Chi-square value 8.7 N.S. was found to be non significant.  It may be concluded that contact with extension agencies had no influence on the repayment behaviour of Kisan Credit Card users. The calculated Chi-square value 7.8 N.S. was found to be non significant.  It may be concluded that extension participation had an influence on the repayment behaviour of Kisan Credit Card users. The calculated Chi-square value 11.3* was found to be significant.  It may be concluded that information source had an influence on the repayment behaviour of Kisan Credit Card users. The calculated Chi-square value 11.6* was found to be significant.  It may be concluded that attitude towards KCC scheme had an influence on the repayment behaviour of Kisan Credit Card users. The calculated Chi-square value 10.7* was found to be significant.  It may be concluded that knowledge about KCC scheme had no influence on the repayment behaviour of Kisan Credit Card users. The calculated Chi-square value 8.6 N.S. was found to be non significant. D. Constraints faced by Kisan Credit Card users.  It is concluded that the high intensity problems faced by Kisan Credit Card users were high cost involved in obtaining credit followed by lack of credit in time, supply loan is less than demand and not favourable installment decided by bank respectively. E. Suggestions for overcome the constraints.  It is concluded that the high intensity suggestions regarding over come to problems given by Kisan Credit Card users were the recovery process should be easy due to lack of capital with farmers followed by the loan should be available at low rate of interest in time by easy process and the loan should be provide as per the need of farmers in KCC scheme respectively.

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