Zarai Tarqiati Bank Limited Credit Program Impact On Income, Expenditures And Saving Of The Agricultural Community Of District Mardan-Pakistan
Volume 1 - Issue 2, August 2017 Edition
[Download Full Paper]
Naushad Khan, Munir Khan
Credit program, Impact, Income Expenditure and Saving, Agriculture Community
Credit play key role in the development of agriculture which further boost the income, expenditure and saving level of agriculture community which improve the investment of the farmer in their field. Seeing to its importance the study was conducted in rural area of District Mardan. The major objectives were to see the credit program impacts on income, expenditure and saving level of the beneficiaries and problems and constraints faced to credit owner in the study area. The study area consist of three tehsil namely Mardan, Thakhth Bai and Katlang. On the basis of more beneficiaries two villages from each tehsil were chosen. The total beneficiaries in the study area were 260. All were selected for the study and with the help of interview schedule data were collected from the respondents. Descriptive statistics and pair t-test were used for data analysis. The results indicates mean annual income after credit Rs.618599 and before credit Rs.356767 and difference Rs. 261833 and found the result highly significant at 5% level. The annual farming income was found after program Rs.366812 and before Rs.174781, difference Rs.192031 and found highly significant at 5% level. The annual expenditure after credit was Rs.472296 and before was Rs.248296, difference Rs.224510 and found highly significant at 5% level . The annual saving after credit program was Rs.207124 and before was Rs.113439 and difference Rs.93689 and the difference found highly significant at 5%. So all results show that credit has improve income, expenditure and saving of the sampled farmers. Large number problems and constraints were observed by taking loan from the bank by sampled farmers. The problems and constraints faced to farmers are complication of application process, non availability of loan in time, amount less than requirement, banks on more distance, high interest rate and non availability of collateral etc. On the basis of problems few recommendations were suggested for solution of problems .One window operation for loan provision is requested, on low interest rate loan should be provided to farming community and according to requirement of the farmer, banks facilities should be multiplied, banks staff cooperation is requested, monitoring cell should be promoted for check and balance for enhancing income level of the farmers in the study area.
. Ahmad, M., and G.C, Battese 1997. A Probit Analysis of the Incidence of the Cotton Leaf Curl Virus in Punjab, Pakistanâ€™ The Pakistan Development Review 36:155-169.
. Ahmad, M. 2007. Evaluation of AKRSPâ€™ Micro Credit Program on Agriculture and Enterprise Development in District Astore, Northern Areas. Faculty of rural Social Sciences, M.Sc (Hons) Thesis Agric: KP, AUP.
. Anka, A.M.L. 1992. Analytical Report on Supervised Agricultural Credit, its Problems Prospects and Suggestions for Implementation in Pakistanâ€™ Journal of Rural Development and Administration.24 (1):137-147.
. Ashfaq, M. and Khan H.(2012). â€œDeterminants of Credit off Take in Informal Credit Market.(A case study of village Regi District Mardan)â€Thesis M.Phil(Economics). Institute of Development studies Faculty of Rural Social Sciences Agricultural University Peshawar-Pakistan.
. District Census Report of Mardan, 1998. Population Census organization Statistics Division, Govt. of Pakistan Islamabad.
. Govt of Pakistan Economic Surveys (1998-2009). Economic Affairs Finance Division, Islamabad
. Govt of Pakistan Economic Survey (2009-2010). Advisory Wing Finance Division, Islamabad.
. Gul. S and M.N. Khan. 1993. A critical assessment of the supervised credit scheme of the Agricultural Development Bank of Pakistan: A case study of Mardan District. Journal of Rural Development and Administration 25(2):119-126
. Himaytullayh. 1995. Agricultural Credit Availability and requirement in Pakisttan: A detailed Analysis .Journal of Rural Development and Administration. 27(4):67-76
. Idrees, M. and M. Ibrahim. 1993. Agricultural Credit role in the Development of Agriculture. Journal of Rural Development and Administration 25(4): 64-74
. Khan N. Jan I. Rehman M. Latif M. Ali A. Khan J. 2007. The Impact of Micro-Credit on Livestock Enterprise Development in District Abbottabad, A case of SRSP Micro Credit Program, Sarhad J. Agric, 23 (4): 1205-1209.
. Khan N. Jan I. Rehman M. Mehmood A. Ali A. 2007. The Effects of Short Term Agricultural Loans Scheme of Zari Taraqiati Bank on Increase in Farm Production in District Karak, Sarhad J. Agric, 23 (4): 1285-1290.
. Matsumoto, T., and T. Yamano, 2010. â€œThe Impact of Fertilizer Credit on Crop Production and Income in Ethiopoiaâ€. GRIPS Discussion Paper 10-23. National Institute for Policy Studies 7-22-1 Roppongi,Minato-ku, Tokyo, Japan 106-8677. P.1.
. Mbata, J.N. 1991. An Evaluation of institutional Credit and its Role in Agricultural Production in Rivers State, Nigeria, Savings and Development Supplement Vo.1:5-2.
. Ochola S.A., and W. Kosura 2007. â€œCase study on Tobacco cultivation and possible alternative crops-Kenyaâ€. Institute for Natural Resources and Technology Studies(INRS) Page -23
. Okoboi G., J. Muwanga and T. Mwebaze, 2012. â€œUse of Improved Inputs and Its effects on Maize yield and Profit in Ugandaâ€College of Business and Management Science, Makeree University ,P.O.Box 702, Kampala, Uganda.Scholarly Peer Reviewed Vol.12 No.7.
. Iqbal M. et.al, 2003. The Impact of Institutional Credit on Agricultural Production in Pakistan. The Pakistan Development Review.42:4 Part III (Winter 2003)pp. 469-485.
. Muhammad, W. 2003. An Investigation into Effectiveness of Micro-Credit Program of AKRSPâ€™ A Case Study of Three Villages of Sub-Division Hunza District Gilgit, M.Sc(Hons) Thesis, Department of Agricultural Economics and Rural Sociology. KP, AUP.
. Saboor, A., M.,Hussain and M. Munir, 2009. â€œImpact of Micro Credit in Alleviating Poverty: An Insight from Rural Rawalpindi Pakistanâ€. Deptt. of Agri. Eco. Univ. of Agriculture, Faisalabad-Pakistan. Pak J. Life soc. Sci. 7(1):90-97
. Salami. K.A. 1988. Impact of Formal Agricultural Credit on small Farm Development in the Ashanti Region of Ghana. Eastern Africa Economic Review. 4(2):1-8.
. Todaro, C.P., 1997. Economic Development Sixth Edition. British Library Cataloguing- in- Publication Data. Longman London and New York. Wale, Pole 1982. Statististics.
. Zuberi, H.A. 1989. â€œProduction Function, Institutional Credit and Agricultural Development in Pakistanâ€ The Pakistan Development Review 28:1, 43-56.