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Review Open access 2026

Reimagining Primary Agricultural Cooperative Credit Societies in Tamil Nadu: Digital Transformation, Financial Viability, and Rural Sustainability

Background: Primary Agricultural Cooperative Credit Societies (PACCS) represent the foundational tier of India's rural credit delivery architecture. In Tamil Nadu, nearly 4,290 such societies serve more than 12 million farm households, yet persistent concerns about non-performing assets, governance deficits, and techno...

A. Vanathammal, M. Jaya, S. Priya · 0 citations

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