DEFICIENT CREDIT: A BARRIER TO AGRICULTURAL DEVELOPMENT IN POST REFORM PERIOD

Abstract

The objective of the research paper is to examine the deficient credit availed by the farmers in post reform period which poses barrier to meet the cost of production. In post reform period there is remarkable changes in agricultural production due to the use of purchased inputs like HYV seeds, fertilisers, pesticides, hired labour etc. Price of these inputs is increasing day by day .So; it is quite difficult on the part of the farmers to meet the cost of production within the credit provided by the financial institutions. Accordingly in post reform period farmers require more institutional credit to avoid depending on informal sources. So, in this paper in order to examine the more credit required by the farmer over the credit provided by the financial institutions in post reform period, a field study (2009-10) of three villages of different degree of Bargarh district (Orissa) India has been done. In order to test the hypotheses to know the significant difference in the more credit required by the farmer over the credit availed across the villages and farm sizes TWO WAY ANOVA TEST has been done.