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Agricultural Credit Availed and its Utilization on Large Sampled Households in Punjab

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Sukhdeep Singh, Arjinder Kaur, and Poonam Kataria

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Indian Journal of Economics and Development
Year : 2018, Volume : 14, Issue : 2
First page : ( 354) Last page : ( 358) 
Print ISSN : 2277-5412. Online ISSN : 2322-0430.
Article DOI : 10.5958/2322-0430.2018.00142.7

Agricultural Credit Availed and its Utilization on Large Sampled Households in Punjab

Singh Sukhdeep1,*, Kaur Arjinder2, Kataria Poonam3

1M. Sc Student, Economics Department of Economics and Sociology, Punjab Agricultural University, Ludhiana-141004

2Senior Agriculturist Economist, Economics Department of Economics and Sociology, Punjab Agricultural University, Ludhiana-141004

3Professor of Economics Department of Economics and Sociology, Punjab Agricultural University, Ludhiana-141004

*Corresponding author’s email: sukh5593@gmail.com

JEL Codes Q12, Q13, Q14, Q15.

Online published on 22 June, 2018.

Abstract

The present study has been devised to have an in-depth knowledge about credit utilization of large farmers in Punjab. For this study, data was collected from large farm households having operational holding more than 10 hectares (25 acres) as per the standard classification of operational holding. Sampled farmers were found to be availing large amount of institutional credit in terms of short-term credit due to their high credit limit, which was diverted for other purposes like purchase of lan and tractors, construction of houses and marriage ceremonies. Source-wise, about 93.45 and 6.55 percent of the total loan availed was borrowed from institutional and non-institutional sources, respectively. The regression coefficients for the factors like farm investment, expenditure on dwelling house and expenditure on social ceremonies were found to be having positive and significant effect on diversion of credit in south-western Punjab. So, it was suggested that, basis of credit limit formulation needs to be modified to check the diversion of short-term credit, as diversion of it was found to be high on the sampled farms.

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