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Role of Banks on Agricultural Development in Bangladesh

Md. Nazirul Islam Sarker*
Department of Agricultural Extension Education, Bangladesh Agricultural University, Mymensingh, Bangladesh

Abstract/ Executive Summary:

The present study has been carried out to evaluate the performance of agricultural loan on the economic and agricultural development in Bangladesh.This study has been based mainly on the data from secondary sources. The relevant data and information were collected from annual reports of Bangladesh Bank and websites of various banks in Bangladesh. Relevant articles and literature in this context have also been reviewed.The researcher also interviewed 50 respondents among them 35 agricultural loan borrower and 15credit officers of different banks for acquiring primary data related to agricultural loan to determine the problems of agricultural loan. In this article we have analyzed the different data of agricultural loan in Bangladesh during the period from 2010 to 2014.

Keywords: Agricultural Credit, Agricultural development, Poverty alleviation, Crop production, Fisheries, Bangladesh

Location:

Start Date:

End Date:

Program Area: Socio-economic and Policy

Non-commodity: Performance

Objectives:

The aim of this study is to determine the role of banks on agricultural development.

Methodology:

OBJECTIVES OF THE STUDY The specific objectives of the study are as follows:1) To find out the role of Banks on agricultural development in Bangladesh. 2) To find out the barriers of Bank on agricultural development in Bangladesh. 3) To offer some suggestions on the basis of findings for policy implication on agricultural credit.

Source of Information: International Journal of Ecology and Development Research Vol. 1(1), pp. 010-015, June, 2016. © www.premierpublishers.org.

Article Link (Online Journal):

Funding Source:

Budget:

Total Budget (Tk.) :

Achievement/Findings:

The disbursement of agricultural credit on crop production is increased up to Tk.71.31 billion in 2014 from Tk.33.19 billion in 2010. Subsequently, the disbursement of agricultural credit on purchase and installation of irrigation equipment is increased upto Tk.3.29 billion in 2012 from Tk.0.52 billion in 2010. The amount has decreasing slightly in 2013 and 2014. The disbursement of agricultural credit on crop production is increased up to Tk.19.96 billion in 2014 from Tk.4.08 billion in 2010. The disbursement of agricultural credit on marketing of agricultural goods is increased upto Tk.2.75 billion in 2012 from Tk.0.62 billion in 2010. The amount has decreasing slightly in 2013 and 2014 due to developed communication facilities. The disbursement of agricultural credit on fisheries is increased up to Tk.13.78 billion in 2014 from Tk.3.99 billion in 2010. The disbursement of agricultural credit on poverty alleviation is increased up to Tk.18.64 billion in 2014 from Tk.13.61 billion in 2010. The disbursement of agricultural credit on other agricultural activities is increased up to Tk.32.62 billion in 2014 from Tk.26.77 billion in 2010. The disbursement of agricultural loan over time indicates that bank plays on a significant role on agricultural development in Bangladesh.Several research works supports the positive association between agricultural credit and agricultural production.Since government and NGOs put their efforts to boost up agricultural production. Government also had given subsidy in every year to farmer for increasing more agricultural production and Bangladesh Bank given direction to all commercial banks in Bangladesh to lend their money to farmer so that we can achieve food security. So it was necessary to find out how commercial bank contributes in agricultural production in Bangladesh. This study showed that significant agricultural production could be achieved by adopting our suggestions and removing mentioned constraints.

Knowledge Management: Journal