2024, Volume 17, Issue 2

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https://hdl.handle.net/20.500.13044/1835

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Przeglądanie 2024, Volume 17, Issue 2 według Temat "beneficiary farmers"
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    Loan repayment behavior of beneficiary farmers in primary agricultural cooperative societies in Haryana (India) / Zachowania rolników-beneficjentów w podstawowych spółdzielniach rolniczych w stanie Hariana (Indie) w zakresie spłaty pożyczek
    (Akademia Bialska im. Jana Pawła II, 2024-06-28) Singh, Suninder ; Singh, Abhey ; Rani, Sumista ; Rani, Mamta
    Subject and purpose of work: The study examined the loan repayment behavior of beneficiary farmers in Primary Agricultural Cooperative Societies in the State of Haryana, India. Material and methods: The findings were based on primary as well as secondary data. The secondary data was collected for the period of 2006-2007 to 2018-2019. The primary data was collected in the second quarter of 2022. Results: The study concluded that year-wise the maximum percentage of defaulter farmers was 34.97% in 2008- 2009 due to the debt relief scheme announced by the Government of India in 2008. Furthermore, it revealed that about 75% of beneficiary farmers repaid their loans regularly after receiving the benefit of interest subvention at 7% by the government of India and the state government. The findings on primary data concluded that most farmers have been repaying their loans regularly, and less than 10% of beneficiary farmers defaulted. The main reason for the default was a loan without security and the anticipation of a loan waive-off scheme. About 19% of beneficiary farmers have been repaying their loans irregularly due to the short time within which loan repayments needed to be made.