Vol. 11, Special Issue 4 (2022)

Author(s):
Shinde Kalyaneshwar Karbhari and Dr. Ramchandra

Abstract:
The institutional credit system has been conceived to play a pivotal role in agricultural development in India. The maximum number of Institutional credit agencies involved in the disbursement of credit to Agricultural sector. However the persistence of money a lender in the rural credit market has still a major concern. In this backdrop the present study has examined the performance of agricultural credit flow and identified the determinants of increased use of institutional credit at the farm household level in India. The study is base on the primary data and secondary data from several sources has revealed that the institutional credit to agriculture real terms has increased but covid-19 situation credit disbursement system has disturb totally in this situation credit disbursement ratio has decreased for banks to farmers. the credit disbursement major source has commercial bank followed by Regional rural bank, Private bank and lastly cooperative bank in the study area. But ratio of credit disbursement has less in the marginal and small as compare to medium and large farmers in the study area. The socio-economic factors is responsible for credit disbursement like less awareness about credit, illiteracy rate, timely availability of loan etc. the study has suggested arrange the awareness programs, to overcome the illiteracy government officers to be appointed at each gram panchayat level.