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 |
A field study was conducted from the sample KCC holders and actual own experience in the field and discussion with all concerns during the year 2018-19 for the required primary data collection while For collection of the secondary data on the Kisan Credit Card Scheme, were taken for five years i.e. from 2014-15 to 2018-19 as the reference period at different locations of the Rohtak district of Haryana state to find out the utilization pattern of kisan credit card by the farmers, to analyze the constraints faced by the farmers while issuing of KCC and repayment of loan and the strategies to overcome these constraints, to analyze the impact of KCC on the enhancement in agricultural production. The research revealed that KCC holders’ income was significantly increased. This was statistically confirmed by applying paired t-test to the collected data. KCC scheme had positive impact on agricultural productivity among farmers. The study also highlighted that the total factor productivity among farmers had increased from 1.38 in the pre-loan period to 1.64 in the post-loan period. The average total factor productivity after availing the loan increased by 0.26, which indicates 18.9 percent increased over the pre-loan period. About 24 percent were found to be dependent on informal sources of credit. Majority of the KCC holders fully reduced the agricultural indebtedness. The results of the study reveal that KCC beneficiary farmers have obtained higher production, productivity and net profit when compared with KCC non beneficiary farmers.
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