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Institutional Financing and Determinants of Agricultural Overdue

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  • V K Sharma

Abstract

The study analyzes institutional financing for the agriculture sector and identifies those factors that are responsible for the overdue among the farmers of Himachal Pradesh. The objective is to examine the factors affecting the overdue among the farmers in the state. The results reveal that in case of marginal farmers, out of the seven selected variables, only four variables—amount borrowed, loaning agency, period of loan and repaying capacity—had a significant relationship with the amount of overdue. In case of small farmers—amount borrowed, loaning agency, period of loan, dependency ratio, repaying capacity and unproductive use of loan affected the overdue. The findings can be successfully applied for the improvement of recovery climate and minimizing the quantum of overdue. The results recommended a more careful scrutiny of the loan applications by the loaning agencies, appropriate policy to monitor credit utilization, conduct of 'Recovery Melas' and prompt efforts for the early recovery of the loan.

Suggested Citation

  • V K Sharma, 2008. "Institutional Financing and Determinants of Agricultural Overdue," The IUP Journal of Agricultural Economics, IUP Publications, vol. 0(4), pages 67-84, October.
    • Handle: RePEc:icf:icfjag:v:05:y:2008:i:4:p:67-84
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