Impact of Factors on the Utilization of Agricultural Credit of Banks: An Analysis from the Borrowers’ Perspective
Banks and Bank Systems, November, Vol. 14, No.1, pp.181-192. DOI: 10.21511/bbs.14(1).2019.16 (2019)
13 Pages Posted: 2 Jan 2020
Date Written: November 16, 2018
Agricultural credit is required for the development of agriculture scenario in any economy.
Commercial, cooperative and regional rural banks have extended agricultural credit to the farmers in Dakshina Kannada district of India. The effectiveness of agricultural credit system depends on the utilization of credit funds by the borrowers. The present study made an attempt to understand the factors influencing the utilization of agricultural credit of banks in Dakshina Kannada. The study used primary and secondary data. Primary data are gathered from the borrowers of banks operating in Dakshina Kannada district. The study found that there is an impact of demographic, agriculture and agricultural credit factors on the purpose of utilization of agricultural credit in Dakshina Kannada district.
Keywords: agricultural, edit, banks, utilization of credit
JEL Classification: Q14, G21
Suggested Citation: Suggested Citation