Aug 2026· Journal of Agriculture and Environment· 0 citations
Abstract
This study assesses farmers' access to credit, their utilization patterns, and the impact on farm income. Data were collected in 2024 by interviewing 150 randomly selected farmers from Thakre rural municipality of Dhading and analyzed using descriptive statistics, an independent samples t-test, and a weighted priority index. About 67% of sampled households accessed credits, of which only 47% used the funds exclusively for agricultural activities. Of the 67% who borrowed, 44% accessed formal credit sources, implying that the remaining 56% relied entirely on informal channels. The independent t-test shows that credit receivers have a significantly higher annual farm income (NRs. 536,231/HH) than that of non-receivers (NRs. 372,071/HH) at a highly significant level (p = 0.0001). Easier access to formal credit will substitute costly informal credit to enhance farm productivity and income. Therefore, implementing effective regulatory frameworks and strict monitoring is crucial to remove structural and procedural barriers, thereby enhancing proper credit access and utilization.
Agriculture remains one of the key sectors in Nepal's economy. However, many farmers struggle to access formal credit to enhance their farm productivity and sustainability. This study assessed farmers’ access to formal credit in Kathmandu Valley and identified the main barriers limiting its use. A sample of 105 farmers...
Brishti Suwal, Rojan Karki· Nepalese Journal of Agricult...· 0 citations
This study investigates the determinants and challenges of rural women‘s participation in non- farm economic activities in Taragonj Upazila, Bangladesh. A logistic regression model was applied to analyze survey data from 399 respondents, using a dummy variable approach to assess the factors influencing women‘s engageme...
Md. Anowar Hossain, Md. Rakibul Hasan, Shahiduzzaman Selim et al.· Journal of Dhaka Internation...· 0 citations
Agricultural loan or credit is crucial for overcoming financial constraints, promoting productive and efficient input use, and improving agricultural productivity among marginal and small farmers. This study examines the importance of formal and informal agricultural credit in affecting input use, paddy productivity, a...
Krishna Shil, Alok Sen· International Journal For Mu...· 0 citations
Farmers in India continue to be deprived of adequate and timely institutional credit. The Kisan Credit Card (KCC) scheme, introduced in 1998, sought to address this issue by providing credit support under a single window with simplified procedure. The study aims to analyze the factors affecting the adoption of KCC...
Kriti Sharma, Anjani Kumar, R. C. Agrawal· Agricultural Finance Review· 0 citations
Agricultural investment intensity refers to the extent to which farmers commit financial, physical, human, and technological resources to agricultural activities to improve productivity, income, resilience, and food sufficiency. However, smallholder farmers in Kenya continue to face constraints related to limited finan...
Medrine Cirindi Nkoroi, M. Njeru, J. Riungu· International journal of re...· 0 citations
This study aims to assess the impact of agricultural credit on productivity and farm income on wheat in India. Based on national sample survey data for the year 2018–19, the endogenous switching regression (ESR) model was employed to estimate the true effect of the credit access. Our findings reveal that while cred...
Umanath Malaiarasan, R. Paramasivam, S. Ambika et al.· Agricultural Finance Review· 0 citations
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