ADEQUACY AND UTILIZATION OF CO-OPERATIVE CREDIT FOR SUGARCANE FARMS IN PUNE DISTRICT (MAHARASHTRA)
Loading...
Files
Date
1998
Authors
Journal Title
Journal ISSN
Volume Title
Publisher
Mahatma Phule Krishi Vidyapeeth, Rahuri.
Abstract
This study was undertaken with a view to a) Esti
mate the per hectare cost of cultivation and short term
credit requirements on Sugarcane Farms; b) Estimate the
credit gap on sugarcane farms; c) Study the utilisation
pattern of credit on sugarcane farms; d) Study the credit
problems on sugarcane.In all 108 sugarcane cultivators were
selected from Haveli tehsil of Pune District. The sample
farmers were classified into three size groups of farms, i.e.
small, medium and large for further analysis. The data of the
study pertained to the reference year, 1995-96.
In adsali sugarcane the per hectare cost A was
Rs.43,507.16 and cost C was Rs.67,715.56. In suru Sugarcane
cost A was Rs.33,643.17 and cost C was Rs.51,956.76. In
ratoon sugarcane cost A was Rs. 21,468.09 and cost C was
Rs.37,486.70.
The per hectare credit gap for adsali sugarcane
was Rs.l2,X57.16 and for suru Sugarcane it was Rs.6,143.17.
The credit supplied for ratoon sugarcane was sufficient Out of the average per farm total amount of Rs.
18358.88, Primary Agriculture Co-operative Society contribut
ed its maximum share of Rs.8,421.69, followed by commercial
banks, Yeshwant Sahakari Sakhar Karkhana and Co-operative
Bank for Agriculture and Rural Developments contributed to
Rs.6,962.20, Rs.1,784.52 and Rs.1,190.47 respectively.
Out of the total loan amount borrowed on per farm
level cultivators highly preferred short term loan of
Rs.9.513.86 followed by medium term loan with Rs.7,498.54 and
long term loan with Rs. 1,346.49 respectively.
Out of the total loan amount borrowed by cultiva
tors on per farm level of Rs.18,358.87, cultivators utilised
maximum amount of loan as crop loan, i.e. Rs.9,723.31,
followed by purchase of tractor with Rs.6,274.98, establis
hment of lift irrigation with Rs.1,310.96, for pipeline and
land development with Rs.750.00, drilling of borewell with
Rs.216.39 and purpose of electric motor with Rs. 83.33.
The major problems faced by the cultivators in
obtaining the loan were; inadequate amount of loan disbursed
to them, the procedure for obtaining the loan was cumbersome
and the time consuming; loan was not available at right time.
The major suggestions given by the cultivators
were; procedure formulated by the bank in obtaining the loan
should be easy and simple; amount of loan should be dis
bursed adequate and in time; Sundry expenses should be elimi
nated; the rate of interest charged by the bank for the
agricultural finance should be lowered down.
Description
Keywords
null