ADDRESSING THE RURAL LENDING GAP: A COMPARATIVE ANALYSIS OF ACCESS TO CREDIT FOR URBAN AND RURAL FARMERS IN ODISHA

None Aakash Meher, None Sweeta Agrawal
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Abstract

Access to credit is a critical factor in the growth and sustainability of agricultural activities, especially for farmers in both urban and rural areas. However, a persistent gap in lending practices between urban and rural farmers has been observed, hindering the potential of rural farmers for economic development. This research seeks to understand and analyse the factors contributing to the rural lending gap and explore potential solutions to bridge this divide. For the purpose of this research a questioner was prepared and distributed among a sample of 130 farmers hailing from the state of Odisha, India. These questionnaires were administered through one-on-one interactions as well as in focus group discussions, allowing for a diverse range of responses. The data collected from these questionnaires and interviews was analysed. The study revealed that collateral constraints, information asymmetry, geographical isolation, risk perception, lack of financial literacy, and inadequate infrastructure collectively contribute to the disparity in credit access. By identifying the challenges faced by rural farmers, this research will provide valuable recommendations to financial institutions and policymakers on how to design more inclusive and effective lending policies. KEYWORDS- Urban, Rural, Farmers, Lending Gap
解决农村贷款缺口:奥里萨邦城乡农民获得信贷的比较分析
获得信贷是农业活动增长和可持续性的关键因素,对城市和农村地区的农民来说尤其如此。然而,城乡农民在贷款做法方面一直存在差距,阻碍了农村农民经济发展的潜力。本研究旨在了解和分析导致农村贷款缺口的因素,并探索弥合这一鸿沟的潜在解决方案。为了这项研究的目的,准备了一个问题,并在来自印度奥里萨邦的130名农民中进行了抽样调查。这些问卷通过一对一的互动和焦点小组讨论进行管理,允许不同范围的回答。从这些问卷和访谈中收集的数据进行了分析。研究表明,抵押品限制、信息不对称、地理隔离、风险认知、金融知识缺乏以及基础设施不足等因素共同导致了信贷获取方面的差异。通过确定农村农民面临的挑战,本研究将为金融机构和政策制定者就如何设计更具包容性和有效性的贷款政策提供有价值的建议。关键词:城市、农村、农民、贷款缺口
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