Institutional Credit has vital role in supplying the credit to the farmers to ensure the sustainable agriculture production. The present study is based on the 100 borrower farmers who were collected from five villages of the Revatipur block of Ghazipur district of Eastern Uttar Pradesh. The study aims to find out the Socio-economic profile of the sample farmers, contribution made by different financing institution in financing the credit to the sample farmers, pattern of utilization of credit, productive and unproductive use of credit for sustainable agriculture. The study revealed that the operational holding and average age of sample borrower farmers were found 3.31 ha and 52 years. 82 percent literacy was reported among sample farmers. 75 percent sample farmers belonging to forward caste. The 55 percent farmers were reported to generate their major income from agriculture. The irrigated land and cropping intensity were reported 81 and 113 percent. The average value of farm asset was reported Rs. 13,88,087.26. On an average 15.34 percent and 84.66 percent credit was made available from co-operative Banks and commercial bank respectively. The major credit was available to purchase tractor, which is used to perform various farm operations. The term and crop loan was reported 82.62 and 17.38 percent respectively among sample borrower farmers. The union bank of India was identified as lead bank of sample area, which has major role in financing the credit to sample borrower farmers, which is reported 67.81 percent. The PACS has provided credit to farmers in the ratio of 10.38 and 89.62 percent in cash and kind (in the form of seed and pesticide fertilizer). The unproductive use of credit in the study area was reported 2.22 percent, which shows that there, is least misuse of the available credit among the sample farmers and is used efficiently. The proper reasonable use of available institutional credit for agricultural purposes contributed for sustainable agriculture.
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