S.S. GuledguddaChandragouda Marigoudar2016-11-102016-11-102011http://krishikosh.egranth.ac.in/handle/1/85009Farm credit is a strategic input and demand for it steadily increased with the advent of modern technology. Among the various financial institutions, the cooperatives have emerged as a major source of agricultural credit. A three- tier system of co-operative credit structure came into existence to meet short term and medium term credit requirements of the farmers. An enquiry into the performance of PACS’s in Dharwad district could reveal interesting facts about the society’s performance according to geographical variations. Fifteen PACS’s were selected for the study, which represented three different agro-climatic zones. The study was based on both primary and secondary data. The growth in the employees, membership and loan account was positive and significant in most of the societies. Growth in financial variables like overdues and loss showed positive for most of the societies. This implied that most of the societies incurring losses. The liquidity and solvency position of the bank was found to be sound. However, the net profit to net worth ratio was found to be negative. The recovery percentage for the selected PACS’s increased over the years. The principal component analysis revealed that almost all variables were closely associated with performance of the societies in first component. The variations explained by these variables were ranged from 67 per cent to 85 per cent in all selected societies during the study period. Agricultural loan dominated among the loan amount advanced for different purposes followed by non-agricultural loan for small and large farmers, whereas, for medium farmers non-agricultural loan dominated. Demand and collection of the societies showed an increasing over the years.Agricultural EconomicsThesis