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University of Agricultural Sciences, Raichur (2012)

MICROCREDIT LENDINGS BY LOCAL AREA BANK AND REGIONAL RURAL BANK IN KARNATAKA- AN ECONOMIC ANALYSIS

SUNIL KUMAR REDDY H.

Titre : MICROCREDIT LENDINGS BY LOCAL AREA BANK AND REGIONAL RURAL BANK IN KARNATAKA- AN ECONOMIC ANALYSIS

Auteur : SUNIL KUMAR REDDY H.

Université de soutenance : University of Agricultural Sciences, Raichur

Grade : Master of Science (MS) in Agricultural Economics 2012

Résumé
Major advisor Hyderabad Karnataka is one of the backward regions and hence Local Area Bank has been established with main motto of providing accessibility of institutional credit to remote area under financial inclusion scheme. Microcredit is the extension of very small loans to poor borrowers who typically lack collateral, steady employment and a verifiable credit history. In this regard the research study focuses on the evaluation of microcredit, impact of microcredit on farm income provided by a Local Area Bank in Karnataka and to compare the economics of microcredit landings of LAB and RRB. The study was conducted in Hyderabad Karnataka viz... Raichur and Gulbarga districts. The primary data required for the study was collected from the respondents by personal interview method using pre-tested schedule prepared for the purpose from 120 farmers, 60 farmers from LAB and 60 farmers from RRB. The data were analyzed using various statistical techniques including effective rate of interest. The results indicate that there was a positive impact of KBSLAB, KGB, and PGB on income of JLG members who involved in dairy farming. The PGB has made good impact on the farmers to generate more income from the dairy enterprise when compared to KGB and KBSLAB. There was a positive impact of microcredit on income generated through crop enterprise. The generation of employment for women in PGB and KBSLAB was better compare to KGB. The non-interest cost as a per cent to total cost and non-interest cost as a per cent of loan is higher in case of PGB when compared to KBSLAB and KGB. The cost of credit obtained from KBSLAB was significantly different from KGB and KBS. Whereas, the cost of credit obtained from KGB was not significantly different from PGB. Even though higher interest is charged by the KBSLAB but the farmers preferred the KBSLAB because, easy accessibility with the simple procedure of advance followed by the reason that the loan was delivered at the door step and flexible security norms were the major components opined by farmers for the preference of KBSLAB for availing credit

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