Vol. 12, Issue 6 (2023)

Author(s):
Rupesh Khaparde, Hem Prakash Verma and Eshant Kumar Sukdeve

Abstract:
The present study was conducted in Gariaband district of Chhattisgarh state during 2016-17 with main objective to find out the constraints in utilization of KCC by the respondents and to seek the suggestions from the KCC holders, to overcome the constraints faced by them. Out of total Kisan Credit Cards issued in the Gariaband district of Chhattisgarh, near about 70 per cent (2868) were issued by Cooperative Banks. Therefore, the operational area of Gariaband district Cooperative Bank was purposively considered for the study. The total sample for the present study was 120. The Ex-post facto research design was used for conducting the study. The data were collected through semi-structured interview schedule and collected data processed and statistically analyzed by frequency and percentages. Repayment on credit were the main constraints in front of 59 respondents. Whereas, about 27 respondents were having problem for draw cash and buy inputs. Whereas, paper work for KCC one of the major constraints for 25 respondents. The suggestions as given by the respondent to overcome the constraints are presented as per the higher value of ranked. The majority (59.50) of the respondent suggested that Credit should be free from Government, followed by 52.50 per cent of the respondent suggested that cash and input should be available in time.