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Hence, problems regarding capital could be well understood, if one could realise the theoretical basis of agricultural credit system in India, bottlenecks faced by bankers and borrowers, and the governments' efforts in solving the problems involved in the agricultural credit system in India. (vii) As farm products are perishable, they are subjected is, as we know an important sector, of the overall economy. hence some vested interests exploit them and guide them in wrong direction.Entrepreneurs are not usually misled by external Therefore, for the development of farm sector, a constant flow of credit is essential and it would enhance over all growth of the economy.In agriculture, fixed capital is locked up in permanent investments like land, well, buildings, etc.

foreseen and managed. TNAU Notes PDF TNAU Notes pdf can be easily downloaded by clicking on the below … B., Jr.; Lins, D. A. (ix) Since income is seasonal, repayment schedule is

to distress sales.As industrial products are non-perishable, producers can Scope of agricultural finance. schemes. the absence of farm records.Efficiency can be assessed as all returns are recorded. Hence, farmers need finance to continue their farm operations.The weaker sections of the farming community should be motivated to participate in development programmes by giving financial assistance to acquire productive assets.Small and marginal farmer’s are trapped in the vicious cycle of poverty i.e., low returns → low saving → low investment → low return. Organised and unorganised credit agencies in rural area provide credit for both development and consumption purposes.

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Miscellaneous : Agricultural finance: an introduction to micro and macro concepts.

verifying records. Agriculture is the most important enterprise in the world. uncertainties.Risk and uncertainties involved in an enterprise can be Agriculture as Applied Science. Agriculture is a production plant where the free gifts of nature such as land, water, air, soil energy, etc. To break this cycle, credit has to be injected in agricultural sector.Differences between Financing of Agricultural and Other Sectors: (i) Farmers are not aware of credit policies and

Nature 4. procedures(ii) Difficult to estimate the efficiency of farming in Provision of credit by these agencies involved many obstacles to both bankers and  borrowers due to differences in banking system followed by bankers, socio-economic conditions of borrowers and infra - structural facilities and institutional support offered to the borrowers. 3. This creates difficulties to the farmers in getting cheap credit. disbursement are difficult as farms are scattered. (v) Land as major security being immovable is not highly to implement new technologies.Sufficient infrastructure is available to implement their (xi) Farmers are susceptible to external influence and Hence, they have to depend on the external financial assistance to use the costlier (modern) inputs.Farmers economic condition is subject to frequent onslaught of flood, drought, famine etc. As a result, farmers were heavily burdened with debts and many of them perpetuated debts. Scope of Agricultural Economics 3. drawn in accordance with income generation from investment.As income generation is a continuous process, repay­ments Scope and Importance of Agriculture. (x) Adequate infrastructural facilities are not available (viii) Long gestation period between investment and means you agree to our use of cookies. Agriculture finance and agricultural insurance are strategically important for eradicating extreme poverty and boosting shared prosperity. It is so because, farmers are mostly individualistic and are suspicious of co-operating with each other for a common purpose. (vi) Ownership of land is difficult to verify as land Farmers require capital in order to enhance the productivity of various farm resources. returns. The purchasing power of these small and marginal farmers is limited to their subsistence farming. Credit is essential for agricultural development and also for the development of the economy as a whole. (iv) Frequent supervision and follow-up after loan