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Agricultural Credit in Bangladesh: Present Trend, Problems and Recommendations

Md. Alauddin
Lecturer, Department of Economics, University of Barisal, Barisal, Bangladesh

Jyotirmoy Biswas
Lecturer, Department of Economics, University of Barisal, Barisal, Bangladesh

Abstract/ Executive Summary:

Economic theory undoubtedly proved the crucial importance of agricultural sector of a country in case of it’s economic transition. A timely flow of agricultural credit can meet farmers demand to ensure agricultural productivity. The purpose of this study is to explore the pattern of present trend of agricultural credit flow over the recent years, specially from the formal sector banking institutions. This study reveals that formal sector has flourished in recent years in disbursing agricultural credit where previously informal sector dominated the rural credit market for agriculture. NGOs have a stronger network throughout the country and many local private commercial banks and foreign banks use these channel to provide agricultural credit. Although PCBs (which includes domestic and foreign commercial banks) contributes a significant amount to total agricultural credit from formal sector, their percentage contribution to agricultural credit remain almost stagnant since the time they started to disburse agricultural loan. It will also entail discussion about the problem involved in case of agricultural loan disbursement as well as some policy recommendation that may minimize the leakage in agricultural credit distribution to the rural farmers.

Keywords: Agricultural Credit, Formal Sector, PCBs, NGOs, SCBs, SBs, Bangladesh.

Location: Department of Economics, University of Barisal, Barisal, Bangladesh

Start Date:

End Date:

Program Area: Socio-economic and Policy

Non-commodity: Credit

Objectives:

The purpose of this study is to explore the pattern of present trend of agricultural credit flow over the recent years, specially from the formal sector banking institutions.

Methodology:

The study has been conducted through analyzing the information and data from the secondary materials. The information has been collected from different research studies of Bangladesh Bank, Ministry of Finance, Centre for policy dialogue, World Bank etc. To this end, Websites of different institutions has also been used.

Source of Information: Journal of Economics and Sustainable Development ISSN 2222-1700 (Paper) ISSN 2222-2855 (Online) Vol.5, No.27, 2014

Article Link (Online Journal): www.iiste.org

Funding Source:

Budget:

Total Budget (Tk.) :

Achievement/Findings:

As a developing Bangladesh still is dependent on agriculture in all economic aspects. This importance necessitates us to give proper care and concentration towards development of the sector. Considering the pattern and present trend of agricultural credit, some policy recommendation are prescribe that can be adopted to unlock the potential in agricultural sector.

Knowledge Management: Journal