IMPACT OF NAGARJUNA GRAMEENA BANK ON THE ECONOMIC PROGRESS OF WEAKER SECTIONS IN KHAMMAM DISTRICT ( A.P.)
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Date
1988
Authors
Journal Title
Journal ISSN
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Publisher
ACHARYA N.G. RANGA AGRICULTURAL UNIVERSITY, RAJENDRANAGAR, HYDERABAD
Abstract
The present study was undertaken with a view to
evaluating the farming condition and economic condition
of beneficiaries compared to non-beneficiaries.
Khammam district was selected for the study because
of the fact that it is one of the few districts where rural
banks were first established in the state. Six villages,
three from each mandai, were selected on the basis of number
of beneficiaries. Four groups of beneficiaries and nonbeneficiaries
were identified and lOB beneficiaries and
non-beneficiaries formed the total sample for the study,
Indepth study was made to estimate employment
position, crop productivity, costs and returns, inequalities
in income distribution, repaying capacity etc. For this
pur p o s e b o t h c on v e n t i on a 1 f a r m bus i n e s s an a 1 y s i s and f u n ctional
analysis were employed.
The average size of the holding was slightly more
in beneficiaries compared to non-beneficiaries. The total
assets of the beneficiaries were higher due to the impact
of the bank loan.
The gross cropped area and cropping intensity
recorded high in beneficiaries. The predominant crops grown
in the area were paddy, groundnut and jowar. The areas allocated
for paddy and groundnut were more in beneficiary farms
due to high cost of cultivation involved •.
It was observed that the human labour employment
per hectare in Man Work Days was higher for beneficiaries
comapred to non-beneficiaries. The total employment position
for the average male and female workers in beneficiary group
was 30Z, 54 and 238.99 MWDs respectively compared to 280.88
and 260.11 MWDs of non-beneficiaries in the same order.
'this increase in employment can be attributed to both bank
finance and owned funds invested in production process.
The productivity was higher in beneficiary groups
for all the crops compared to non-beneficiares. This could
be due to the adoption of yield increasing practices by
baflk's finance.
Higher cost of cultivation per hectare was observed
in beneficiary farms. The same trend was observed in the
case of income measures such as gross returns, net income,
family labour income, farm business income and farm investment
income.
As regards dairy farming, sheep farming and traditional
occupation, the costs and returns recorded were
higher on beneficiary farms.
Greater inequality
indicated by coefficient of
in income
variation,
distribution was
Lorenz curve and
Gini ratio for non-beneficiaries compared to beneficiaries.
Higher inequality in income dist~ibution was observed in
rural artisans followed by agricultural labourers, margipal
farmers and small farmers in both beneficiaries an·d nonbeneficiaries.
Linear Regression analysis was applied to estimate
repaying capacity. The values of R2 were significant at
5 per cent level in all the categories. It revealed the
significance of all the accounted variables - size of the
holding (x
1
), income from all sources (x 2 ), family expenditure
(x 3 ), expenditure on production process (x 4 ) and other
loans (x 5 ) in explaining the variation in repaying capacity.
Discriminant function revealed the importance
of total income and employment in discriminating beneficiaries
and non-beneficiaries. o2 value was significant in
all the categories.
The study has proved the palpable role of Regional
Rural Bank in improving economic condition of the weaker
sections and ensuring social justice.
Description
Keywords
ECONOMIC, PROGRESS,WEAKER, SECTIONS,NAGARJUNA,