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 study was conducted to analyze different factors influencing the institutional credit flow to agriculture along with their contribution in explaining the variation in flow of agricultural credit in Odisha. For the study three sample districts have been taken based on their C:D ratio i.e. Jajpur, Puri and Cuttack. Almost every factors selected have posed significantly positive impact on credit flow of institutional agencies for agriculture and allied activities. Stepwise regression has been followed to check particular factor explaining maximum variance in credit flow and the results revealed that the predictors that influenced flow of agricultural credit significantly has been irrigation and bank deposit in case of Puri district where as bank deposit, irrigation and literacy for Jajpur district and bank branches and bank deposits in case of Cuttack district. Bank deposit has been the common factor explaining maximum variance in agricultural credit flow in Jajpur, Puri and Cuttack because it has been quite obvious as bank’s net credit is dependent on deposit mobilization. Computerization of land records and proper procedure of imparting training to borrowers should be occurred for facilitating institutional lending.
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