Determinants of Borrowing Behaviour of Farmers – A Comparative Study of Commercial and Co-operative Banks
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The preference of farmers between commercial and co-operative banks for borrowing has been studied
with the objectives of finding (a) distribution of institutional credit across various categories of farmers
and to assess the coverage and quantum of credit, and (b) socio-economic factors which affect the
borrowing behaviour of farmers towards commercial and co-operative banks. In the study, based on 100
farmer borrowers, the discriminant analysis has been carried out. The study has offered some suggestions
also for a better access of farmers to institutional credit.