CONCENTRATION OF CO-OPERATIVE CREDIT IN YSR DISTRICT OF ANDHRA PRADESH
Journal Title: PARIPEX-Indian Journal of Research - Year 2017, Vol 6, Issue 5
Abstract
The adoption of new Technology has given rise to increasing demand for farm credit which is the key factor, and life blood of agricultural development. The organization of institutional credit is one of the major factors governing agricultural production particularly that of small and marginal farmers. Farm credit in India like that of developing countries consists of institutional and non-institutional sectors. The non-institutional sector consists mainly of the professional and agricultural moneylenders, landlords, commission agents, traders and the farmers, relatives and friends. The institutional sector mainly comprises, of co-operatives, commercial banks, regional rural banks and governments. On the institutional side the main lenders are agricultural or development banks, usually established by the government, and partially or fully Government owned; co-operatives or farmers associations, often Government organized and private or nationalized commercial banks. Many central banks are involved in various ways and degrees in the delivery of agricultural credit. Co-operatives have numerous advantages compared with other institutional agencies. They have tended to work best in areas where land holdings have been homogeneous, tenant farmers have equal status, some social cohesion exists at the grass roots and where literacy has attained reasonable level. A few studies conducted so far have not made an in depth inquiry into the problems affecting the operational performance of PACS in drought prone regions. Also, studies on inter-regional- and intra-regional variations in the performance of PACS within a district in a backward region have not been attempted. In a vast country like India with varying agro-climatic conditions and socio-economic conditions, specific studies are required. In view of this, a study was planned at a micro level to examine the role of "Primary Agricultural Co-operative Societies in financing farm sector in Y S R District of Andhra Pradesh
Authors and Affiliations
S. Sivasankar, Dr. B. Ramachandra Reddy
Keywords
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