Search

The objective of the study was to identify the constraints in credit accessibility from Primary Agricultural Cooperative Societies in Haryana State, India. The primary data were used for achieving the objective of the study. The primary data were collected in the second quarter of 2022 by employing the schedule. The multistage purposive cum proportionate random sampling techniques were adopted to select a sample of 540 respondents. The percentage was used for data analysis. The constraints in accessing credit are identified faced by beneficiary farmers and nonbeneficiary farmers. The major constraints faced by the beneficiary farmers in accessing credit from PACS are inadequate credit limit (87.40%), short time to repayment of loan (66.29%), high penalty rate (55.92%), and unavailability of medium-term loans (50.00%). While inadequate credit limit (80.00%), no new accounts opened (72.22%) and fear of being a defaulter (47.78%) were the major constraints faced by the non-beneficiary farmers in accessing credit from PACS. The various constraints were identified in accessing credit from PACS. Credit limits should be extended on the basis of the scale of the finance. Medium-term loans need to be increased. [ABSTRACT FROM AUTHOR]

Subject and purpose of work: T he s tudy a ims t o identify t he constraints in t he f unctioning of PACS in Haryana, India. Materials and methods: The study was based on primary data collected from nine PACS managers through schedule. The purposive sampling technique was employed for the selection of PACS. The percentage was used for data analysis. The data were collected in the second quarter of 2022. Results: The study found that 100 % of PACS managers regarded lack of adequate funds, a low level of deposits, and increased day-to-day government intervention as constraints in the functioning of PACS. Subsequently, the respondents mentioned inability to mobilise resources (77.77%), lack of managerial skills (77.77%), lack of trained staff (55.55%), improper channel of recovery system (44.44%), untimely repayment and poor recovery percentage of the loan (44.44%), political interference (33.33%), difficulties due to low educational level of borrowers (22.22%), and uncooperative attitude of borrowers (11.11%). Conclusions: Main constraints in the functioning of PACS are lack of adequate funds, a low level of deposits, increased day-to-day government intervention, inability to mobilise resources, and lack of managerial skills. [ABSTRACT FROM AUTHOR]

Subject and purpose of work: The study aims to analyse the existing marketing system along with marketing channels, costs, margins, and marketing efficiency. Materials and methods: The study was conducted in the districts of Sirsa, Sonipat and Yamuna Nagar in Haryana during the year 2020–21. The study was based on primary data collected from a field survey with the help of a pre-tested questionnaire. A simple tabulated method, price spread, and market efficiency analyses were employed. Results: The study revealed that the producer share in terms of consumer rupees is the highest in Channel VI, followed by Channels IV, V and II. Channel VI is the most efficient channel due to the absence of intermediaries. Channel I is the least efficient due to the greatest number of intermediaries present in this channel. Conclusions: The study has suggested that the government should regulate the fruit trade so that the involvement of mediators in the fruit market may be reduced. Cold storage should be provided at a reasonable price. The government should provide transportation facilities (refrigerated lorries) for fruit products at a reasonable cost. [ABSTRACT FROM AUTHOR]

Copyright of Economic & Regional Studies/Studia Ekonomiczne i Regionalne is the property of Sciendo and its content may not be copied or emailed to multiple sites or posted to a listserv without the copyright holder's express written permission. However, users may print, download, or email articles for individual use. This abstract may be abridged. No warranty is given about the accuracy of the copy. Users should refer to the original published version of the material for the full abstract. (Copyright applies to all Abstracts.)