ABSTRACT
Agriculture is the most important component for the sustainable development of a nation. Until 1935, the major sources of funds for the farmers was dominated by the professional money lenders. Due to the high rate of interest, farmers were heavily burdened with debts. Later, Government of India has considered all the issues and problems faced by the farmers to meet overcome the issues the Government of India established the agricultural credit policy through various institutional agencies. Still there exists a lack of rapport between the bankers and the farmers in obtaining as well as in repaying the crop loan. The present study was carried out with the main objective of understanding the problems faced by farmers while availing agriculture credit from the ?nancial institutions in Tamil Nadu. The result indicated that the major problems faced by the farmers in obtaining the institutional credit were the non-availability of loan on time, the procedure for obtaining the credit was more expensive, Inadequacy of loan amount, Lack of Knowledge about agricultural credit, Dif?culties in ful?ll the loan applications, Lack of awareness about various loan schemes offered by bank, inadequate in the scale of ?nance. Inadequacy of loan amount is the most important problems faced by the farmers while availing the agriculture credit. The bankers need to provide suf?cient loan amount to the farmers. Thus this study concluded that the agricultural credit needs of farmers are increasing with the increase in cost of cultivation. The Government should update its credit policy, to meet out the credit needs of the farmers.
ABSTRACT
ABSTRACT: The issue of producers' access to agricultural credit is the key word in contemporary debates in the sense that this theme is increasingly addressed at conferences and scientific congresses. This is explained by the fact that agricultural credit is today considered as an important key to the development of the agricultural sector in developing countries. This study examined the factors influencing producers' access to agricultural credit in Turkey, precisely in the province of Adana. Questionnaire-based surveys were conducted on a sample of 101 producers trained in a simple random. From the analysis of the results obtained, we deduced that socio-economic factors such as the total area of land used, the irrigated area, the ratio between the total share of land used and the total owned land, then the ratio between the number of agricultural assets of the household and the total number household members play a preponderant role in the access of producers to agricultural credit. Since agricultural credit is perceived as an important lever in terms of the development of the agricultural sector in Turkey; it is therefore imperative, based on these research results, to develop policies aiming to improve producers' access to agricultural credit.
RESUMO: A questão do acesso dos produtores ao crédito agrícola é palavra-chave nos debates contemporâneos, na medida em que este tema é cada vez mais abordado em conferências e congressos científicos. Isso se explica pelo fato de que o crédito agrícola é hoje considerado uma importante chave para o desenvolvimento do setor agrícola nos países em desenvolvimento. Este estudo examina os fatores que influenciam o acesso dos produtores ao crédito agrícola na Turquia, precisamente na província de Adana. Pesquisas baseadas em questionário foram realizadas em uma amostra de 101 produtores treinados de forma aleatória simples. A partir da análise dos resultados obtidos, deduzimos que fatores socioeconômicos como a área total de terra usada, a área irrigada, a proporção entre a parcela total de terra usada e o total de terras possuídas, então a proporção entre o número de ativos agrícolas da família e o número total de membros da família desempenham um papel preponderante no acesso dos produtores ao crédito agrícola. Como o crédito agrícola é percebido como uma alavanca importante em termos de desenvolvimento do setor agrícola na Turquia, é, portanto, imperativo, com base nesses resultados da pesquisa, desenvolver políticas destinadas a melhorar o acesso dos produtores ao crédito agrícola.