000			01916nam a2200193Ia 4500
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020			_a8170992281
082			_a338.1 RED
100			_aReddy, A. Ranga
245		0	_aAgricultural development rural credit and problems of its recovery
260			_aNew Delhi
260			_bMittal Publications
260			_c1990
300			_a189 p.
520			_aThe objective of the present study is to explore the nature and character of credit in the agricultural sector and major implications of defaulter and overdues. Introduction of seed-fertilizer technology involving intensive application of modern inputs has given rise to increasing demand for credit. Credit is to be considered as viable, versatile and easily accessible. The credit requirements have been rising very fast to meet the short and long term needs of farming community, replacing money lender. The distribution of institutional credit is not only uneven among different size groups of cultivators and regions of the country but also results in a high degree of default and overdues. It has serious implications in regard to flow of funds, liquidity, risk that confronts the lenders and borrowers in the two segments of the Indian money market. The incidence of defaulting is higher in the case of large farmers compared to small. Overdue outstanding of Guntur District Central Cooperative Bank Ltd., have been steadily rising over three decades. Its recovery performances have been improving by the rehabilitation pro grammes initiated from above. The empirical study proves that the incidence of defaulters is more among growers of food crops than non-food crops. Agrarian reforms and crop and market insurance, if properly conceived and enforced can promote the incomes of the rural weak and enable them to repay loans.
650			_aAgriculture
942			_cB _2ddc