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

See all articles by Lokesh Lokesh

Lokesh Lokesh

affiliation not provided to SSRN

Iqbal Thonse Hawaldar

Kingdom University

Date Written: November 16, 2018

Abstract

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

Lokesh, Lokesh and Hawaldar, Iqbal Thonse, Impact of Factors on the Utilization of Agricultural Credit of Banks: An Analysis from the Borrowers’ Perspective (November 16, 2018). Banks and Bank Systems, November, Vol. 14, No.1, pp.181-192. DOI: 10.21511/bbs.14(1).2019.16 (2019), Available at SSRN: https://ssrn.com/abstract=3504479

Lokesh Lokesh

affiliation not provided to SSRN

Iqbal Thonse Hawaldar (Contact Author)

Kingdom University ( email )

Sanad
Bahrain

Do you have a job opening that you would like to promote on SSRN?

Paper statistics

Downloads
18
Abstract Views
158
PlumX Metrics