Micro credit and technology utilisation in vegetable production by self help groups in Thiruvananthapuram district
| dc.contributor.advisor | Bhaskaran, C | |
| dc.contributor.author | Priya Devi, S | |
| dc.contributor.author | KAU | |
| dc.date.accessioned | 2020-11-12T10:35:38Z | |
| dc.date.available | 2020-11-12T10:35:38Z | |
| dc.date.issued | 2003 | |
| dc.description | MSc | en_US |
| dc.description.abstract | Kerala is depending upon other states for meeting its vegetable requirements though the soil types and climate are suitable for large scale and commercial cultivation. To meet the resource crunch among farmers a supplementing rural credit system to the existing ones is needed. This research study was an enquiry into the reported increase in area of vegetable cultivation and financial viability due to micro credit provision among beneficiaries of Self Help Groups of Vegetable and Fruit Promotion Council Keralam (YFPCK), Thiruvananthapuram project area. The respondents were 30 experts and 120 beneficiaries from twelve SHGs of five Panchayats of Thiruvananthapuram district. The data were collected using pre-tested and structured interview schedule and questionnaire prepared for the purpose. Micro credit utilisation and technology adoption levels in vegetable production by Self Help Groups were analysed. Also micro credit need and gap were ascertained and constraints and suggestions listed down. Based on group dynamics indicators it was inferred that the SHGs were functioning at medium level. Further inadequacies and future prospects are needed to be managed effectively. The SHGs had> 70 per cent attendance level in meetings, one meeting was arranged per month and had homogenous membership. The loan amount availed was between Rs.40,000 to Rs.80,000 with uniform interest rate. Group savings of Rs.SOO to Rs.ISOO was reported. Usually < 8 books of account are kept which are maintained by a group member. Members of group had trainings conducted based on their felt needs facilitated by field officers. XS Majority of the beneficiaries were in the 'high' category in respect or all vital profile characteristics like experience, innovativeness, social participation. training and increase in income after joining group activity. This is Cl positive effect of group formation. Also regarding technology adoption rate group characteristics were significantly related and individual characters were not significant. The credit need and credit gap was Rs.238 per cent of land. Regarding market behaviour, field centres were preferred to market the produce, bicycle or autorickshaws were mostly used for transport of produce. It was seen that 67 per cent of respondents got their money as ready cash at the time of sales and 80 per cent were satisfied with marketing support provided. Export potential must be more facilitated. Total cost of cultivation for one cent of panthal crop was reported as RS.S38 per cent. The credit utilisation was complete. All the respondents had repaid completely the loan amount and hence repayment was complete. Constraints faced in rmcro credit servicmg were absence of subsidy, indebtedness of beneficiaries and formal book keeping difficulties. The short term nature, allotment season and meeting time were reported as less relevant constraints. Constraints faced in timely repayment of micro credit were high labour cost, market glut leading to low cost of produce and wilful defaulters. Political influence was not rated as major constraint. Interest rates were low and overdues were not expected to be written off by beneficiaries. Perception of experts was high about regular field visits by experts, experience sharing and compulsion by group pressure in repayment and utilisation of loan amount. Also monitoring and recording of adopted technologies which were not perceived as risky was enabled by micro credit. Perception of beneficiaries about micro credit was high with respect to benefit of more renewal chances, easy repayment installments, absence of collateral security, reduction in cost of borrowing and ensuring participatory approach. Also reduction in time spent, making farming profitable, experts visiting fields, convenient interest levels and satisfactory amount supplied was enabled by micro credit. Suggestions of beneficiaries and experts for improving micro credit supply relates to role of banks, government support and sustained group action. In the case of defaulters, bank intervention must be more easily and strict to avoid possible revenue recovery and smooth group functioning. Regarding improvement in repayment and sustained group action, more incentives must be provided. Government support in the form of subsidy, insurance and reduction in lease amount are needed. | en_US |
| dc.identifier.citation | 172086 | en_US |
| dc.identifier.uri | https://krishikosh.egranth.ac.in/handle/1/5810154991 | |
| dc.keywords | Agricultural Extension | en_US |
| dc.language.iso | English | en_US |
| dc.publisher | Department Of Agricultural Extension, College Of Agriculture, Vellayani | en_US |
| dc.sub | Agricultural Extension | en_US |
| dc.theme | Vegetable production by self help groups in Thiruvananthapuram District | en_US |
| dc.these.type | M.Sc | en_US |
| dc.title | Micro credit and technology utilisation in vegetable production by self help groups in Thiruvananthapuram district | en_US |
| dc.type | Thesis | en_US |