Role of Sarva Haryana Gramin Bank in Financing in Agriculture

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dc.contributor.advisorMehta, V.P
dc.contributor.authorJitendra Kumar
dc.date.accessioned2022-09-30T09:17:00Z
dc.date.available2022-09-30T09:17:00Z
dc.date.issued2019
dc.description.abstractRole of Sarva Haryana Gramin Bank was studied with the following objectives,to study the performance of loans, to study the behaviour and adequacy of loans,to determine the factors affecting amount of loans and to identify the constraints in getting loans and repayment.The present study was based on both primary as well as secondary data. Secondary data was collected pertaining to the year 2009-10 to 2017-18 from the annual reports of randomly selected eight branches of Sarva Haryana Gramin Bank.Primary data for the year 2019 regarding utilization pattern and credit gap was collected from 160 selected respondents with the help of pre-tested schedule. The efforts made by SHGB in branch expansion, deposit mobilization, and credit deployment in weaker section of rural areas are appreciable. SHGB successfully achieved its objectives like taking banking to doorstep of farmers, providing credit without time lag and cheaper credit to weaker sections, encouraging rural savings for productive activities and bringing down the cost of accessing credit in rural areas The performance of SHGB in branch expansion, income, expenditure and profit changed over the period with CGR stood that 11, 26, 33 and 19 per cent, respectively. Moreover, credit and deposit of SHGB increased significantly over the period with a CGR of 21 and 25 per cent, respectively. After amalgamation of Haryana Gramin Gramin Bank & Gurugram Gramin Bank profit, credit and deposit of Sarva Haryana Gramin Bank increasedwithapproximately twice the earlier growth rate.Farmers utilized credit either for productive purposes or for non-productive purposes. The results of utilization pattern of marginal farmers showed that under productive use, it was mainly spent for fertilizers (17.02%), labour (7.31%), and irrigation (7.29%). Whereas, small farmers used credit for productive purposes such as instruments purchase (9.31%), fertilizers (18.51%), POL (7.37%). Moreover, large farmers also mainly used loan for fertilizer purchase, instruments purchase and POL. Altogether, all farmers be it marginal, small or large, used credit primarily for purchasing fertilizers.The analysis showed that marginal and small farmers had to mainly divert credit a major portion of their credit for repayment of old debts. Share of credit used in productive purposes of loan increased with the increase land holding.Also, per hectare amount of credit diverted for other productive purposes was also noted to be negatively associated with increase in the size of holdings. Investigation of credit gap for marginal, small and large farmers was done on the basis of loan demanded by the respondent and loan advanced by the bank. It was fund that credit gap had decreased with the increase of land holding. Farmers face number of constraints in getting and repayment of loan such as more paper work, loan not available at time and repayment of old debts etc. Based these problemsit is suggested that SHGB should provide credit with minimum formalities, SHGB credit limit should be increased to fulfill the credit gapThe amount of installments repayment should be matched with the expected farm income of farmers from the agricultural operations.en_US
dc.identifier.urihttps://krishikosh.egranth.ac.in/handle/1/5810188345
dc.keywordsCredit advances, Profit, Investment, C-D ratio, Utilization pattern, Credit gapen_US
dc.language.isoEnglishen_US
dc.pages100+iv+IIen_US
dc.publisherCCSHAU, Hisaren_US
dc.subAgricultural Economicsen_US
dc.themeRole of Sarva Haryana Gramin Bank in Financing in Agricultureen_US
dc.these.typePh.Den_US
dc.titleRole of Sarva Haryana Gramin Bank in Financing in Agricultureen_US
dc.typeThesisen_US
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