What is it about?
The direct agricultural credit amount has a positive and statistically significant impact on agricultural output and its effect is immediate (Das et al., 2009). But if the credit is not utilized for the right purpose, there are chances of non-repayment of credit. This would result in failure of entire agricultural credit system. The utilization of this agricultural credit fund determines the effectiveness of repayment. In this regard, an attempt is made to analyze the factors influencing the purpose of utilization agricultural credit by borrowers in Dakshina Kannada district of Karnataka. This would help bankers to understand the extent of credit utilized by the farmers on productive activities.
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Why is it important?
Our findings will help bankers to understand the extent of credit utilized by the farmers on productive activities.
Perspectives
writing this article was a great pleasure as it has co-authors with whom I have had long standing collaborations
Professor Iqbal Thonse Hawaldar
Kingdom University
Read the Original
This page is a summary of: Impact of factors on the utilization of agricultural credit of banks: an analysis from the borrowers’ perspective, Banks and Bank Systems, April 2019, LLC CPC Business Perspectives,
DOI: 10.21511/bbs.14(1).2019.16.
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