National Academy of Agricultural Sciences (NAAS)
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PRINT ISSN : 2319-7692
Online ISSN : 2319-7706 Issues : 12 per year Publisher : Excellent Publishers Email : editorijcmas@gmail.com / submit@ijcmas.com Editor-in-chief: Dr.M.Prakash Index Copernicus ICV 2018: 95.39 NAAS RATING 2020: 5.38 |
The present investigation was undertaken with a view to studying the (i) share of agricultural credit portfolio to the total credit portfolio of The Jaipur Central Co-operative Bank (ii) Growth in its agricultural credit portfolio over time, and (iii) the overdues of agricultural loan advances and factors affecting them. Renwal branch of Phulera tehsil and Bhojpura Kalan Gram Sewa Sahakari Samiti were selected randomly for studying the overdues. All the 77 defaulter farmers belonging to the selected Gram Sewa Sahakari Samiti were considered for studying the overdues. The farmers were categorized into four standard categories namely; marginal, small, semi-medium and medium. Both primary and secondary data were collected and used for the purpose. Primary data were collected for the agricultural year 2009-10 through survey method. the trend was significantly positive at 1 per cent level of significance for agricultural, non- agricultural and total credit. Time element accounted for 92.28 per cent variations in the agricultural credit as against 90.34 per cent in the non- agricultural credit advanced by the bank. Agricultural credit, non-agricultural credit and total credit recorded a significant compound growth of 10.32 per cent, 7.50 per cent and 8.40 per cent per annum respectively during the study period. All these growth rates were significant at 1 per cent level of significance. Short term agricultural credit recorded a significant compound growth of 10.46 per cent, as against 8.58 per cent per annum by medium term agricultural credit (both significant at 1 per cent level) during 1996-97 to 2009-10.
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