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Land Tenure and Credit -a Study in Selected Areas of Mymensingh

Z. Haque
Department of Agricultural Finance Bangladesh Agricultural University, Mymensingh-2202

T. Jinan*
Department of Agricultural Finance Bangladesh Agricultural University, Mymensingh-2202

Abstract/ Executive Summary:

The present study aims at investigating into the existing land tenure system and its relationship with credit at Trishal Upazila of Mymensingh district. Keeping in view the objectives, 70 samples were randomly selected. The respondents have taken loan from institutional, semi institutional and non-institutional sources of credit for producing crops. The study reveals that the absentee land owner and part operator in the area have got more access to institutional sources of credit because of their ability to offer land as security. Tenants on the other hand were found to have no loan at all from the BKB because of their inability to offer collateral against loan. The tenant farmers however, were found to have access to semi institutional sources like GB and BRAC. The respondents therefore, need not be so dependent at present on money lenders and non-institutional sources of credit because of institutional and semi-institutional network present close to the study area. A lion’s share of loaned money obtained has been productively utilized by the sampled respondents irrespective of tenure categories implying the borrower’s positive attitudes towards productive utilization.

Keywords: Credit, Land tenure, Mymensingh

Location: Jhairpar, Goaisa para and Dorirampur at Trishal Upazila of Mymensingh district

Start Date: 00-01-2007

End Date: 00-12-2007

Program Area: Socio-economic and Policy

Non-commodity: Land tenure, Credit

Objectives:

To determine the Land Tenure and Credit - a Study in Selected Areas of Mymensingh

Methodology:

Keeping in view the objectives as well as time and fund constraints the areas Jhairpar, Goaisa para and Dorirampur at Trishal Upazila of Mymensingh district. After selecting the area, first of all, the researcher visited the credit institutions available close to the selected area, collected the list of loanees who have taken loan during the period of January-Decenber, 2007 by using his cordial approach to the concerned institutions. 70 farmers were randomly selected from whom required data were sought during intensive field visits. Sampled farmers belonged to six tenurial groups. Out of 70 respondents 34, 22, 16, 7, 10 and 11 percent of total were owner operators, part operators, part tenants, part operator-cum-part tenants, tenants and absentee landowners respectively during the study year. Data were collected during the period from March to April, 2008 and multi visit were made for collecting necessary information during this period. The researcher himself collected data with structured pre-tested questionnaire through personal interview with the individual respondents. After the completion of data collection, the data were then edited, coded and finally tabulated according to the objectives set for the study. Mostly tabular analysis was done. To attain some of the results, necessary statistical techniques were also employed.

Source of Information: J. Environ. Sci. & Natural Resources, 10(2):143–150, 2017 ISSN 1999-7361

Article Link (Online Journal):

Funding Source:

Budget:

Total Budget (Tk.) :

Achievement/Findings:

Agriculture is the heart as well as centre to the economy of Bangladesh but perhaps more important to be the basic sector for overall future economic growth. Agricultural development in Bangladesh is influenced by various factors of which land tenure and financial aspects are important. The system of land tenure conditions agricultural productivity in many ways. It determines the size and unit of ownership. It influences the volume of agricultural production as well as determines the distribution of the production among the parties involved. Agriculture needs capital for its operational and development purposes. But unfortunately, the farmers of Bangladesh hardly possess any capital to invest in agriculture to bring an increased output. For this reason, they are to depend upon credit which is rarely available to them. Credit provided by the existing institutional sources has always been fallen far behind the actual requirement of the farmers. Institutional rural credit in Bangladesh is administered through multi financial agencies. Among these, BKB is the prime financial institution for agricultural lending in the country. BKB is meant for the purpose of meeting credit needs of the rural individuals as well as people of limited means engaged in agriculture as well as agro-based industries. Land tenure system is definitely has relationship with institutional credit. The present study is to assess the tenurial arrangements existing in the study area and to examine the credit receipt, adequacy and utilization of loan according to tenure category with a view to generating information which may help the researcher, policy maker and planners as well as the academicians in order to formulate as well as taking pragmatic timely decisions relating to providing credit to the farmers of lower profile under various tenurial strata.

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