REGIONAL DISPARITY IN THE DISTRIBUTION OF AGRICULTURAL CREDIT
Journal Title: International Journal of Physical and Social Sciences (IJPSS) - Year 2012, Vol 2, Issue 9
Abstract
The Eleventh Five year plan makes specific focus on the inclusive growth of the economy. It implies that the growth process that experienced over the years were not sufficiently inclusive of all. Although there had been substantial reduction of poverty over past few decades during the five year plans, the core content of the rural poverty remained intractable. In fact, last Ten Five year plan envisaged balanced regional development and equality and employment. But the growth of population and urban biased industrial development have left out the backward section of population and the rural sector in general un-addressed. The agricultural credit policies and the economic reform in general aim to have positive influence on the total volume of institutional credit. However, the rural banking system in India made tremendous quantitative achievement by neglecting the qualitative aspects of the credit delivery system (Shivamaggi, 2000). The inequalities in the banking system across the regions and social classes persisted (Bell, 1990). Hence an attempt was made to analyze the “Impact of economic reform on the regional disparity in the distribution of agricultural credit”. The findings of the study showed that the Southern Region (Rs.101659 crore) dominated the other region Northern Region (Rs.69630 crore), Central region (Rs.45988 crore) Western region (Rs.61613 crore), Eastern Region (Rs.26760 crore)and Northeastern region(Rs.2436 crore). The Theils inequality index was calculated to estimate the regional disparity in the distribution of agricultural credit among states. The disparity index was higher for the agricultural loan accounts than the agricultural credit. Higher credit intensive states with higher number of villages, borrowing members of co-operatives, higher amount of commercial and co-operative banks deposits, credit deposit ratio of commercial banks as per utilization, infrastructure development fund sanction, infrastructure development fund disbursement, non performing assets of commercial banks and state domestic product were distinguished from the low credit intensive states. The state domestic product alone contributed 98.85 percent in discriminating the high credit intensive and low credit intensive states. It shows that the states with higher state domestic product had greater amount of agricultural credit distribution.
Authors and Affiliations
DR. S. GANDHIMATHI, DR. P. AMBIGADEVI, V. SHOBANA
Keywords
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