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International Journal of Current Microbiology and Applied Sciences (IJCMAS)
IJCMAS is now DOI (CrossRef) registered Research Journal. The DOIs are assigned to all published IJCMAS Articles.
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National Academy of Agricultural Sciences (NAAS)
NAAS Score: *5.38 (2019)
[Effective from January 1, 2019]
For more details click here

ICV 2018: 95.39
Index Copernicus ICI Journals Master List 2017 - IJCMAS--ICV 2018: 95.39
For more details click here

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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

Int.J.Curr.Microbiol.App.Sci.2020.9(2): 11-18
DOI: https://doi.org/10.20546/ijcmas.2020.902.003


Innovations in Agricultural Credit Disbursement and Payment Systems for Financial Inclusion in Rural India
Arghyadeep Das1* and Neela Madhav Patnaik2
1Division of Economic, Statistics and Management, ICAR-NDRI, Karnal-13200
2Dairy Extension Division, ICAR-NDRI, Karnal-132001
*Corresponding author
Abstract:

Timely disbursement of credit is game changer in agricultural production. There are few factors which impedes the availability of the credit from institutional structure and make farmers depended on informal ones. A number of innovative methods like KCC, SHG bank linkage groups, JLGs and FPOs had been promoted for financial inclusion under institutional structure. Except KCC, performance of other methods had been outstanding in recent years. Factors such and age, education, farm and land size influence the adaptation of KCC. Card based and Mobile based payment system was also developed in order to bring transparency in payment methods.


Keywords: Agricultural Credit, KCC, SHG-bank linkage groups, JLGs, FPOs, Card and Mobile based payment systems
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How to cite this article:

Arghyadeep Das and Neela Madhav Patnaik. 2020. Innovations in Agricultural Credit Disbursement and Payment Systems for Financial Inclusion in Rural India.Int.J.Curr.Microbiol.App.Sci. 9(2): 11-18. doi: https://doi.org/10.20546/ijcmas.2020.902.003