Agricultural Credit Utilization and Repayment by Farm Households in Tripura

Poulami Ray, B. Das
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Abstract

The study was conducted in West Tripura district of Tripura to examine the utilization and repayment of farm loans obtained by borrowers based on a survey done in 2020.The development of agriculture depends on farmers receiving adequate and timely loans. Purposive multi-stage random sampling was used to pick 120 farmers and 20 lenders for a comprehensive investigation. The majority of the sample beneficiaries availed of crop loans (82.5%) as compared to allied activities loans (17.5%) and it was observed that marginal and small farmers diverted a portion of the loan as compared to medium farmers. The extent of repayment of loans by the medium farmers was higher than the small and marginal farmers. To improve the utilization and repayment pattern of credit by farm households, the Bank Field Officers need to conduct post-credit supervision to reduce credit diversion to unproductive uses and disbursement of the majority of the loan in kind form may be used.
特里普拉邦农户的农业信贷利用和偿还
这项研究是在特里普拉邦的西特里普拉区进行的,目的是根据2020年进行的一项调查,检查借款人获得的农业贷款的利用和偿还情况。农业的发展取决于农民能否及时获得充足的贷款。采用有目的的多阶段随机抽样方法,选取农户120人、放贷人20人进行全面调查。与联合活动贷款(17.5%)相比,大多数样本受益人获得了作物贷款(82.5%),并且观察到,与中等农民相比,边缘和小农转移了一部分贷款。中等农户的还贷程度高于小农和边缘农户。为改善农户对信贷的利用和还款模式,世行实地干事需开展信贷后监督,减少信贷流向非生产性用途,并可采用大部分贷款实物形式发放。
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