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The document summarizes findings from a study of agricultural credit in 70 districts across 4 Southern states in India between 1996-97 and 2006-07. Some key findings include: 1) Access to institutional credit improved overall in India between 1996-97 and 2006-07, though penetration remained lower in rainfed districts. 2) The gap in credit access between rainfed and non-rainfed districts declined over this period. 3) On average, credit per hectare increased almost 6 times overall, with a 7.3 times increase in rainfed districts and 4.9 times in non-rainfed districts.
satyasai presentation
- 1. 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛 爐爛爛爛Taking Rural India >> Forward
- 2. Background Paper is a part of a larger study planned to research on credit issues in rainfed agriculture Covers 70 districts from 4 Southern states The study is distinct in atleast two respects: o It cover 2006-07 data whereas we have only SAS,NSSO, 2001-02 o Preceded by Doubling of Agri. Credit programme o We examined credit flow among two categories of districts- Rainfed and Non Rainfed 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛爛 Taking Rural India >> Forward
- 3. Major Findings A. Credit Penetration Ratio 1. The access improved by 2006-07-All India Year 1981-82 1996-97 2006-07 All India 23% 13.40% 25.0% 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛爛 Taking Rural India >> Forward
- 4. % OH availing institutional credit 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛爛 Taking Rural India >> Forward
- 5. Major Findings Contd.. 2. % borrowing Households Particulars State/year 1996-97 2006-07 1 Andhra Pradesh 24.70 74.90 2 Telangana 26.20 83 3 Karnataka 26 35 4 Tamil Nadu 15.60 12.40 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛爛 Taking Rural India >> Forward
- 6. Major Findings Contd.. 3. Increase in % borrowing- RF vs. NRF District Type 1996-97 2006-07 Remarks RF 20 37 Good Access & Gap Narrowed NRF 28 44 Overall 23 40 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛爛 Taking Rural India >> Forward
- 7. Major Findings Contd.. B. Per hectare credit Particulars 1996-97 2006-07 Growth RF 1074 7839 7.3 times NRF 2312 11355 4.9 times <2.5 K 88% 26% 40* adjusted for inflation 2.5- 5 K 12% 25% 31.5* > 5 K 0 49.27% 28.5* 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛 爐爛爛爛Taking Rural India >> Forward
- 8. Credit obtained per hectare(Rs) 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛 爐爛爛爛Taking Rural India >> Forward
- 9. C. Percentage Term Loan S. No. Particulars 1996 2006 1 RF 28 42 2 NRF 15 27 3 Overall 23.2 36.5 a. 0 % Term loan RF 17 7.6 NRF 25 12.5 b. >40 % Term loan RF 35 46 NRF 18 39 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛 爐爛爛爛Taking Rural India >> Forward
- 10. Share of Term Loan 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛 爐爛爛爛Taking Rural India >> Forward
- 11. Distribution of Districts-Share of Term Loans 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛 爐爛爛爛Taking Rural India >> Forward
- 12. How this data is different? Flow during the year(& not outstanding) Snapshot view Does not cover SHG Covers only institutional credit 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛 爐爛爛爛Taking Rural India >> Forward
- 13. Conclusions Access to credit deteriorated till 1996-97 & again improved by 2006-07. Penetration of institutional borrowing lower in RF districts. Gap between RF and NRF districts declined. Overall, credit/ha improved almost 6 times. Growth of 7.3 times in RF and 4.9 times in NRF Amount of credit higher in NRF Share of TL improved and was higher in RF districts 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛 爐爛爛爛Taking Rural India >> Forward
- 14. 爐 爐鉦爐 爐爛爛 爐む 爐爛爐 爐爛 爐爛爛爛Taking Rural India >> Forward