Impact of short term credit by rural banks: a case study of south malabar gramin bank
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Date
1989
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Kerala Agricultural University
Abstract
This study is based on data collected from a sample of short term crop loanees of
SMGB and another sample which formed the control. All the sample borrowers from SMGB
belonged to the eligible groups. There was very little difference between the borrowers and
non-borrowers regarding general characteristics such as farm size, family size, educational
status and in the number of dependents per earner of the family. The cropping pattern
followed by the sample farms did not vary much between borrowers and non-borrowers,
but the cropping intensities in the borrower farms were clearly high compared to the
non-borrower farms. Cost of cultivation per hectare, average labour use per hectare, use
of fertilizer nutrients per hectare and farm income per hectare were found to be higher in
borrower farms. There was under-utilization of crop loans and that too was more among
larger size group of farmers. Repayment of loans was also not very good and the defaulters
were mainly the relatively larger size group of farmers.
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Citation
Agricultural Research Journal of Kerala, 27(1), 32-36.