- Tytuł:
-
Borrowing and repayment hardships: evidences from farmers in Haryana
Trudności związane z uzyskiwaniem i spłatą pożyczek: doświadczenia rolników z indyjskiego stanu Haryana - Autorzy:
-
Jakhar, Babloo
Kait, Rohtas
Kumar, Vijay - Powiązania:
- https://bibliotekanauki.pl/articles/2165529.pdf
- Data publikacji:
- 2022
- Wydawca:
- Akademia Bialska Nauk Stosowanych im. Jana Pawła II w Białej Podlaskiej
- Tematy:
-
indebtedness
institutional loan
farmers debt
farmer
agricultural credits
Haryana State - Opis:
- Subject and purpose of work: The paper focuses on the problems faced by farmers in obtaining and repaying loans from institutional and non-institutional sources. Materials and methods: The study was conducted in Haryana state, India. It was based on a field survey involving 600 farmers. Proportionate sampling technique was employed and pre-tested schedules were filled during vis-a-vis interviews. Results: The findings of the study highlight main problems faced by farmers in acquiring and repaying loans. They include: no loan without security, ambiguous terms and conditions, the time-consuming procedure of granting loans, not farmer friendly bank officials, and the request for bribes. In the case of non-institutional sources, main problems include: lack of security, deterioration of social status, and hesitation in mortgaging agricultural land. Furthermore, low price of agricultural produce, crop failure, and the high-interest rates charged by non-institutional sources were major constraints in the timely repayment of loan amounts. Conclusions: Several constraints existed in granting loans to farmers. Government should support and provide hassle free loans to farmers
- Źródło:
-
Economic and Regional Studies; 2022, 15, 4; 562-580
2083-3725
2451-182X - Pojawia się w:
- Economic and Regional Studies
- Dostawca treści:
- Biblioteka Nauki
Artykuł