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University of Agricultural Sciences, Dharwad

The University of Agricultural Sciences, Dharwad was established on October 1, 1986. The University has 5 Colleges, 27 Research Stations, 6 Agriculture Extension Education Centers, 6 Krishi Vigyan Kendras and ATIC. The University has its jurisdiction over 7 districts namely Bagalkot, Belgaum, Bijapur, Dharwad, Gadag, Haveri, and Uttar Kannada in northern Karnataka. Greater diversity exists in soil types, climate, topography cropping and farming situations. The jurisdiction includes dry-farming to heavy rainfall and irrigated area. Important crops of the region include sorghum, cotton, rice, pulses, chilli, sugarcane, groundnut, sunflower, wheat, safflower etc. The region is also known for many horticultural crops. Considerable progress has been registered in the field of education, research and extension from this University.

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Thesis Type: M.B.A × Author: Bhagyalaxmi H.Takkalaki ×
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    ThesisItemOpen Access
    Credit flow management in micro finance - an economic analysis
    (UAS, Dharwad, 2007) Bhagyalaxmi H.Takkalaki; Basavaraj Banakar
    Across the countries, it has been recognized that micro finance could be a useful tool in building up the capacities of the poor, in management of sustainable self employment activities. The deliveries of micro finance through different models have their own impact on beneficiaries. Therefore the study was under taken to assess the growth and pattern, terms and cost of borrowing, portfolio of lending, cost and return structure, loan recovery and problems faced by the target groups. The primary data with respect to purpose wise portfolio lending, cost and returns of activities, recovery and problems faced in microfinance activities were collected from the target groups for the year 2005-06 with the help of pre-tested questionnaire. Secondary data with respect to SHG linkage, amount lent, overdue and numbers of families assisted were collected from the year1993-94 to 2005-06. The result showed that the compound growth rate of number of SHGs linked to the bank loan in Karnataka was increased at the rate of 26.29 per cent and 15.98 per cent in Dharwad district. Similarly growth in bank loan given to SHGs was 33.93 per cent and 13.45 per cent per annum respectively. The RRBs cover 66.24 per cent SHGs provided and 97.03 per cent bank loan and availed about 76.86 per cent refinance. The credit delivery through NGO accounts for higher cost that is 42.5 rupees per borrower per Rs 100 borrowed at the first time. Among the portfolio, Dairy activity stands first (29.17 per cent) in total amount lent by the micro finance providers. An overdue was more in Regional Rural Bank model and low in NGO model of credit delivery. The contribution to overdue as indicated by regression coefficients was more in model-II (RRBs). However, coefficient of amount borrowed, cost of production and cost of borrowing found to be positive and significant. The gross returns showed negative and significant.