Credit Problems of Resource Poor Farmers in Punjab (India): Institutional Credit Scenario in Rural Punjab

Singh, Narinder Deep

ISBN 10: 3659216984 / ISBN 13: 9783659216985

Published by LAP LAMBERT Academic Publishing, 2012

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Bibliographic Details

• Title: Credit Problems of Resource Poor Farmers in Punjab (India): Institutional Credit Scenario in Rural Punjab
• Publisher: LAP LAMBERT Academic Publishing
• Publication Date: 2012
• Language: English
• ISBN 10: 3659216984
• ISBN 13: 9783659216985
• Binding: paperback
• Condition: Like New
• Book Type: book

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Synopsis

Indian agriculture is overwhelmingly a small farmers enterprise with proportion of small and marginal land holdings (below 2 ha) constituting nearly 83 per cent of the total holdings in India. But these resource poor farmers are mostly unable to meet their financial liabilities from their limited income and are generally indebted. The lack of institutional credit has remained a major constraint in the economic enlistment of these people, despite the significant strides achieved in terms of spread, network and outreach of rural financial institutions like commercial banks, reginal rural banks, cooperative banks/ societies etc. since independence. The quantum of flow of institutional financial resources specifically to these farmers continues to be inadequate which is one of the major constraint in the adoption of new technological practices, land improvements and building up of irrigation and marketing infrastructure, severely, affecting the income of these farmers and making them dependent on non institutional credit which is exploitative in nature.

About the Author

The author is Ph.D in economics and presently working as Assistant Professor in Faculty of Agriculture, Khalsa College, Amritsar, Punjab (India). He has authored four books, supervised ten M.Sc Agri.-Economics (Hons.)students and has several research publications in national and international journals of repute.