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Institutional Agriculture Credit Gap in Karnataka: A Comparative study of Kisan Credit Card Scheme among financial institutions in Bellary district

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S.M. Jainuddin, G.M. Hiremath, and Suresh S. Patil

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Indian Journal of Economics and Development
Year : 2016, Volume : 12, Issue : 1a
First page : ( 97) Last page : ( 102)
Print ISSN : 2277-5412. Online ISSN : 2322-0430.
Article DOI : 10.5958/2322-0430.2016.00040.8

Institutional Agriculture Credit Gap in Karnataka: A Comparative study of Kisan Credit Card Scheme among financial institutions in Bellary district

Jainuddin S.M.1,*, Hiremath G.M.2, Patil Suresh S.2
1Department of Agricultural Economics, PJTS Agricultural University, Hyderabad-30

2Department of Agricultural Economics, University of Agricultural Sciences, Raichur-584 104

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

JEL Codes Q01, Q12, Q13, Q14, Q18

Online published on 26 April, 2016.

Abstract
The study reveals that, the GAP-I and GAP-II are the two components which are responsible for the presence of credit gap in agricultural sector. In case of commercial banks GAP-II contributing more to the Total Credit Gap (TCG) where as in case of co-operative banks both GAP-I and GAP-II are contributing more to the TCG. The study also showed that, overall credit disbursement was increasing at national level as a whole but at grass root level (that is at farmer’s level), there is a mismatch between demand and supply of credit It can also be concluded that, the total credit gap was found to be higher for cotton and banana crops irrespective of farmer’s categories and the financial institutions.

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