A STUDY ON UTILIZATION PATTERN AND DIVERSION OF LOAN OF DISTRICT CO-OPERATIVE AGRICULTURE AND RURAL DEVELOPMENT BANK OF HOSHANGABAD DISTRICT OF MADHYA PRADESH
Journal Title: International Journal of Agricultural Science and Research (IJASR) - Year 2017, Vol 7, Issue 2
Abstract
In India the cooperative banking sector is one of the most important partners of banking structure, the cooperative banks have more reach to the rural area, through their huge network of branches in the credit structure. But the borrowers do not use entire loan amount for the purposes for which they borrowed funds. Hence, here is an attempt to assess the extent of utilization of loan and diversion of credit for different heads by borrowers who have got long term agricultural loans from the DCA&RDB. The Hoshangabad district and District Cooperative Agriculture and Rural Development Bank was selected for this investigation purposively. According to purpose wise the maximum amount of utilized loan was varying from 71.28 percent to 88.22 percent of the total amount sanctioned. According to branch wise maximum amount utilized was varying from 82.59 percent to 78.80 percent. Nearly 34.46 percent of the funds diverted by the sample borrowers had been used for meeting household expenses. About 9.43 percent of the diverted funds had been used for the payment of old debts including the co-operative loan. However, the current farm expenditure amounted for nearly 14.83 percent of the diverted funds. Nearly 9.88 percent of the diverted funds had been used for health purposes. About 10.51 percent of the diverted funds had been used for the social ceremony. 20.90 percent of the diverted funds had been used for other purposes.
Authors and Affiliations
MEGHA SAHU, J. S RAGHUWANSHI, A. M. JAULKAR
Keywords
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