LOAN DISBURSEMENT PATTERN OF THE HISAR DISTRICT CENTRAL CO-OPERATIVE BANK IN AGRICULTURE SECTOR

PRAMENDRA¹*, J.C. KARWASRA², VINAY MEHALA³, SUSHILA VISHNOI^4
1Department of Agricultural Economics, CCS Haryana Agricultural University, Hisar, 125004, Haryana
²Department of Agricultural Economics and Management, Rajasthan College of Agriculture, Maharana Pratap University of Agriculture and Technology, Udaipur, 313001
³Department of Agricultural Economics, CCS Haryana Agricultural University, Hisar, 125004, Haryana
⁴Department of Agricultural Economics and Management, Rajasthan College of Agriculture, Maharana Pratap University of Agriculture and Technology, Udaipur, 313001
* Corresponding Author : mrpramendra87@gmail.com

Received : 15-12-2016     Accepted : 03-01-2017     Published : 06-01-2017
Volume : 9     Issue : 1       Pages : 3614 - 3618
Int J Agr Sci 9.1 (2017):3614-3618

Keywords : Agriculture loan, Loan disbursement, Utilization, Non agriculture loan and overdues
Conflict of Interest : None declared
Acknowledgements/Funding : I owe my deepest gratitude to Indian Council of Agriculture Research for providing the necessary facilities and support for research work
Author Contribution : None declared

The objectives of present study were to examine the loan disbursement pattern of The Hisar District Central Co-operative Bank, in Agriculture sector. The study was conducted in Hisar district. In Hisar district, there are nine branches of District Central Co-operative Bank namely Hansi, Barwala, Narunand, Agroha, Arya Nagar, Mandi Adampur, Ukalana, DAC Hisar and Sisai. Hisar district was purposely selected due to easy accessibility. The primary data was obtained from the loanee farmers. List of loanee of Hisar block were prepared from selected bank branch and then 80 farmers were selected randomly and categorized in two categories. Category-I up to Rs. 3 lakhs and category-II more than Rs. 3 lakhs advances. Tablular analysis was done to solve this problem. Data presented in all branches shows that increment in total loan advanced(from 2000-01 to 2012-13) by District Central Co-operative Bank was maximum in Mandi Adampur branch and it was lowest in Narnaund branch of DCCBs Hisar. Total loan advanced were divided into two group and first one was agriculture credit second was non agriculture credit. Total loan advanced given by overall average of selected branches of District Central Co-operative Bank Hisar was increased from Rs.13.26 crores during 2000-01 to Rs.19.19 crores during 2012-13.