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Recovery Performance of Primary Agriculture Credit Societies in India: An Assessment

Agricultural credit is one of the most crucial inputs in all agricultural development programmes. Access of rural credit has still remained scarce in India. Primary Agriculture Credit Societies (PACS) working at grass-root level, having direct contact with the rural people and meet their financia...

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Main Authors: Mazumder, Rabin, Chakravarty, Chandrasekhar, Bhandari, Amit K.
Format: Monograph
Language:English
Published: IZA Institute of Labor Economics 2014
Subjects:
S Agriculture (General)
Online Access:http://ur.aeu.edu.my/494/1/Recovery%20Performance%20of%20Primary%20Agriculture%20Credit%20Societies%20in%20India.pdf
http://ur.aeu.edu.my/494/
https://ssrn.com/abstract=2465329
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spelling my-aeu-eprints.4942019-06-21T03:23:25Z http://ur.aeu.edu.my/494/ Recovery Performance of Primary Agriculture Credit Societies in India: An Assessment Mazumder, Rabin Chakravarty, Chandrasekhar Bhandari, Amit K. S Agriculture (General) Agricultural credit is one of the most crucial inputs in all agricultural development programmes. Access of rural credit has still remained scarce in India. Primary Agriculture Credit Societies (PACS) working at grass-root level, having direct contact with the rural people and meet their financial requirements. The problem of loan overdue is a serious concern in different regions of the country, as it affects the recycling of funds and loses its economic viability as a lending institution. The present study examines the recovery performance of rural credit given by PACS in six different regions of India namely Central, Northern, Southern, Eastern, North-East and Western. The result suggests that the performance of credit recovery has been low in north-eastern states and high in northern and southern states. Recovery performance of credit is directly proportional to non-agricultural loan to agricultural loan, trained-untrained staff ratio and average member per society and inversely related with proportion of government capital to working capital and real growth rates at constant price. To make all PACS viable and ensure adequate and timely flow of credit, appropriate policies are required from the Reserve Bank of India in collaboration with State Governments. IZA Institute of Labor Economics 2014 Monograph NonPeerReviewed text en http://ur.aeu.edu.my/494/1/Recovery%20Performance%20of%20Primary%20Agriculture%20Credit%20Societies%20in%20India.pdf Mazumder, Rabin and Chakravarty, Chandrasekhar and Bhandari, Amit K. (2014) Recovery Performance of Primary Agriculture Credit Societies in India: An Assessment. Discussion Paper. IZA Institute of Labor Economics. https://ssrn.com/abstract=2465329 IZA Discussion Paper No. 8294
institution Asia e University
building AEU Library
collection Institutional Repository
continent Asia
country Malaysia
content_provider Asia e University
content_source AEU University Repository
url_provider http://ur.aeu.edu.my/
language English
topic S Agriculture (General)
spellingShingle S Agriculture (General)
Mazumder, Rabin
Chakravarty, Chandrasekhar
Bhandari, Amit K.
Recovery Performance of Primary Agriculture Credit Societies in India: An Assessment
description Agricultural credit is one of the most crucial inputs in all agricultural development programmes. Access of rural credit has still remained scarce in India. Primary Agriculture Credit Societies (PACS) working at grass-root level, having direct contact with the rural people and meet their financial requirements. The problem of loan overdue is a serious concern in different regions of the country, as it affects the recycling of funds and loses its economic viability as a lending institution. The present study examines the recovery performance of rural credit given by PACS in six different regions of India namely Central, Northern, Southern, Eastern, North-East and Western. The result suggests that the performance of credit recovery has been low in north-eastern states and high in northern and southern states. Recovery performance of credit is directly proportional to non-agricultural loan to agricultural loan, trained-untrained staff ratio and average member per society and inversely related with proportion of government capital to working capital and real growth rates at constant price. To make all PACS viable and ensure adequate and timely flow of credit, appropriate policies are required from the Reserve Bank of India in collaboration with State Governments.
format Monograph
author Mazumder, Rabin
Chakravarty, Chandrasekhar
Bhandari, Amit K.
author_facet Mazumder, Rabin
Chakravarty, Chandrasekhar
Bhandari, Amit K.
author_sort Mazumder, Rabin
title Recovery Performance of Primary Agriculture Credit Societies in India: An Assessment
title_short Recovery Performance of Primary Agriculture Credit Societies in India: An Assessment
title_full Recovery Performance of Primary Agriculture Credit Societies in India: An Assessment
title_fullStr Recovery Performance of Primary Agriculture Credit Societies in India: An Assessment
title_full_unstemmed Recovery Performance of Primary Agriculture Credit Societies in India: An Assessment
title_sort recovery performance of primary agriculture credit societies in india: an assessment
publisher IZA Institute of Labor Economics
publishDate 2014
url http://ur.aeu.edu.my/494/1/Recovery%20Performance%20of%20Primary%20Agriculture%20Credit%20Societies%20in%20India.pdf
http://ur.aeu.edu.my/494/
https://ssrn.com/abstract=2465329
_version_ 1644539719203160064
score 13.211869

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