Farm credit its sources and pattern of Utilisation - An empirical analysis
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The present study is based on the Ninety borrower farmers who were
selected randomly from five villages of Manihari block of Ghazipur district. The study
aims to find out the socio-economic profile of the sample borrower farmers, pattern of
utilization of credit, its sources, productive and unproductive uses of credit etc. The
study revealed that on an average 15.54 and 84.46 percent credit was made available
from cooperative and commercial bank respectively. The major finance was made
available to purchase tractor, which is used to perform various farm operations. The
term and cooperative loan was reported 81 and 19 percent respectively and least
misutilisation of credit was found among sample borrower farmers.