International Journal of Multidisciplinary Research and Development

International Journal of Multidisciplinary Research and Development


International Journal of Multidisciplinary Research and Development
International Journal of Multidisciplinary Research and Development
Vol. 7, Issue 3 (2020)

Loan utilisation pattern and repayment behvaiour of farmers; A case study on aluva primary co-operative agricultural and rural development bank in Kerala


Niranjana Chandran

The establishment of cooperative banks have started a new era in the country’s banking system with the objective of developing rural economy by providing credit facilities. The long term investment needs of the farmers in the country are primarily met through Cooperative Agricultural and Rural Development Banks. It is through the branches of these banks that various programmes of the government are being implemented in the agricultural sector. However, the present scenario of the performance of these banks are unfavorable and unsatisfactory. One among the major reasons for declined performance is mounting overdue. Therefore, the study has attempted to analyse the loan utilisation pattern and repayment behaviour of farmers who have availed loan from Aluva primary co-operative agricultural and rural development bank of Kerala. Sixty farmers were randomly selected for the study. The data was analysed using percentage analysis, indices and logistic regression model.
  |  Pages : 110-116
How to cite this article:
Niranjana Chandran. Loan utilisation pattern and repayment behvaiour of farmers; A case study on aluva primary co-operative agricultural and rural development bank in Kerala. International Journal of Multidisciplinary Research and Development, Volume 7, Issue 3, 2020, Pages 110-116
International Journal of Multidisciplinary Research and Development International Journal of Multidisciplinary Research and Development