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Diversified Use of Agricultural Credit: a Case of Cereal Crop Farmers in Mirzapur Union of Gazipur District

M. E Haque
Assistant Professor
Dept: of Agricultural Extension Education, BSMRAU, Gazipur.

M.H. Bhuiyan
Professor
Dept of Agricultural Extension, Bangladesh Agricultural Institute, Dhaka.

M.M. Hossain
Principal officer
BKB

M.Mainuddin
Lecturer
Dept. of Agroforestry, HMD Agricultural College, Dinajpur.

H. Rahman
Assistant Professor
Dept: of Plant Pathology, PKC, Dumki, Potuakhali.

Abstract/ Executive Summary:

The study was conducted in Mirzapur Union of Gazipur sada thana. The purpose of this study was to have an understanding about credit utilization behavior of some selected farmers of cereal crop cultivation. Data were collected personally through interview schedule from 100 (out of 417) randomly selected farmers during 15th November 1996 to 15th January 1997. Credit utilization behavior of the farmer was the onIy dependent variable whereas ten selected characteristics (such as age, education, fuming experience, family size, farm size, annual gross income, annual family expenditure, religious binding, political affiliation and organizational participation) constituted the independent variables. Findings revealed that 22% of the total credit were utilized for cereal crop cultivation and the remaining 78% was diverted to other purposes by the borrowers. Coefficient of correlation analysis showed that age, organizational participation had negative relationship with credit utilization; while education and farm size had the positive relationship with credit utilization; and farming experience, family size, annual income, annual expenditure, political affiliation, religious binding had no relationship with credit utilization Majority of the borrowers reported that complex loan distribution system is the most important problem faced by them in receiving loan.

Keywords: Cereal crop, Credit

Location: Mirzapur union under Gazipur sadar thana.

Start Date: 00-00-1995

End Date: 00-00-1996

Program Area: Socio-economic and Policy

Non-commodity: Credit

Objectives:

i) To find out the credit utilization behavior of the cereal crop farmers of Mirzapur Union.

ii) To determine the relationships between credit utilization behavior of the respondents with their selected characteristics. The selected characteristics included: age, education, farming experience, family size, annual gross income, annual family expenditure, religious binding, political affiliation and organizational participation.

iii) To identify the constraints faced by the borrowers in receiving loan from the bank.

Methodology:

Mirzapur union under Gazipur sadar thana was purposively selected as the locale of the study. The target population were those who received loan from Bangladesh Krishi Bank, Mirzapur Branch for cultivating the cereal crops during 1995-1996. In all, the total number of loanee in the study area was 417, which constituted the population. Out of 417 loanee 100 loanee was selected randomly as sample of this study.

In order to collect relevant information, an interview schedule was prepared keeping the objectives of the research in view. The researchers themselves collected data during 15th November 1996 to 15th January 1997. Statistical test like means, and correlation coefficients were used

Source of Information: Journal of Agricultural Education and Technology. 2 (1): 7-12, June 1999

Article Link (Online Journal):

Funding Source:

Total Budget (Tk.) :

Achievement/Findings:

On the basis of the findings of the study following conclusions were drawn: 1. It was found that only 28.79% of the total disbursed credit were utilized in assigned purposes i.e. cereal crops purposes. Hence, it may be concluded that disbursed credits were diversified towards other purposes.

2. Significant positive relationship existed between education and credit utilization of the respondent. So, it may be concluded that education of the respondents had remarkable influence on their credit utilization.

3. The respondents found significant positive relationships between farm size of the respondents with their credit utilization. So, it may be concluded that farm size of the respondents positively influenced them in credit utilization.

4. Significant negative relationships between organizational participation of the respondents and credit utilization indicated that higher the organizational participation the lower would be the proper utilization of the credit.

5. Complex loan distribution systems was one of the main problems faced by majority of the borrowers in getting loan timely which hampers loan utilization and repayment performance of the borrowers. So, necessary measures should be taken for simple loan distribution system.

Knowledge Management: Journal