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Birsa Agricultural University, Ranchi

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Author: Ankita Kumari × End date: 2023 × Type: Thesis × Thesis Type: M.B.A. ×
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    ThesisItemOpen Access
    STUDIES ON CREDIT REQUIREMENT OF FARMERS IN LALGANJ BLOCK UNDER VAISHALI DISTRICT OF BIHAR
    (Birsa Agricultural University, Ranchi, 2022) Ankita Kumari; B.K. Jha
    Agriculture with its allied sectors is the largest sources of livelihoods in India. Over 50 per cent of its rural livelihoods still depend primarily on agriculture for their livelihoods, with 82 per cent of the farmers being small and marginal. Indian agriculture and allied sector broadly covers four activities, viz. Crop, livestock, forestry, and fisheries. To stimulate the productivity of these activities, the government of India has from time to time given policy thrusts which led to various agricultural revolutions. Collecting ideas and suggestions from the literature and relevant respondents, a study was planned on the topic “Studies on credit requirement of the farmers in Lalganj block under Vaishali district of Bihar with the specific objectives namely; to estimate the production, productivity and income of the respondents and to assess the credit requirement of the respondents. Lalganj block of Vaishali district of was purposively selected where APMAS was undertaking promotional activities. Fifteen farmers each from Madhusudan pakri, Manikpur pakri, Etwarpur sisaula and Laxminarayanpur were selected randomly, thereby, the sample constituted 60 respondents. Variables for the study included age, education, family type, family size, size of holding, occupation, income, credit sources, repayment period, which were measured with tests and indices developed. Production, productivity and income of the respondents were also calculated on the basis of the data provided by them. The findings indicated the dominance of middle aged (67 per cent) small farmers (33 per cent), educated up to high school (35 per cent), respondents with nuclear family (78 per cent), having mobile phones (61 per cent), having pucca houses (46 per cent). and annual income above one lakh (48 per cent). Farmers faced so many constraints in availing credit from institutional as well as non institutional sources because of the complex documentation process, higher interest rates, non availability on time and disbursement of inadequate amount.