Profile Of Rural Credit Structure, Utilization And Extent Of Repayment On Tribal Farms (House Holds) Under Kanke Block
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Date
1997
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Birsa Agricultural University, Ranchi
Abstract
The study primarily envisaged to examine profile of credit structure, pattern of credit use, repayment and over dues, extent of indebtedness and its causes on different categories of tribal farms (household).
Two n tribal dominated villages were randomly selected. From selected villages ,100(hundred ) farmers/ household were randomly selected .Among hundred selected farmers,48,39, 9 farmers and 4 farmers were marginal, small, medium, and large farmers were randomly selected for final study. The number of farmers from each categories was determined by probability to size .
The average size of land holding was3.42hectares which varied from 0.56 hectare to 9.40 hectares .The proportional of irrigated and unirrigated area were4.39percent and 95.70percent total; cultivated area .Of the total cropped area ,95.70 percent area was under Karif season, while 4.20 percent area under Rabi season on the selected farms .the average cropping intensity was found to be 104.38 percent on the selected farms.
Out of 100 selected farmers, 90 farmers were borrowers of loanees. Out of 90 loans, 35 were from marginal.46 from small, 7 from medium and 2 from larger farm size categories. It was observed that 83 per cent and 17 per cent rural credit total farms credit wad supplied by forma; and informal agencies, respectively. On an average the amount of total credit per farm was recorded to be Rs 69,365.50 by the both agencies. The maximum amount of credit per farm was recorded to be Rs. 11,862.80 on small farm and minimum Rs.(2,650.00) on large farm. The Proportional of agricultural loan and non-agricultural loan were about 85.0 percent and 15.0 percent in total farm credit. Among agriculture purpose, irrigation credit was contributed maximum share followed by milk production, fertilizers on different categories of farms. In case of non-agricultural loan, the maximum amount was shared by education followed by health on different categories of farms.