Vol. 11, Special Issue 2 (2022)

Author(s):
Raju Kumawat and Pramendra

Abstract:
The present study was conducted in Bikaner region of Rajasthan.to analyse repayment performance, overdues. Four districts viz., Sriganganagar, Hanumangarh, Bikaner and Churu district. A lead bank of each selected district was selected purposively for collection of secondary and primary data in respect of agricultural loan supplied to the farmers. The selected banks were Oriental Bank of Commerce from Sriganganagar, State Bank of Bikaner and Jaipur from Hanumangarh and Bikaner districts and Bank of Baroda for Churu district. A sample of 30 farmers was drawn as borrower farmers from each selected district by probability proportion to the number of borrower farmers in each group (small, medium and large farms). Similarly, 30 non-borrower farmers were also selected from each district using the similar method as borrower farmers to analyse the impact of credit. The extent of overdues increase of term loan was ranged 15 to 33 per cent. The repayment performance and overdues in the study area that the repayment performance was better on small and medium farmers than the large farmers however, no major difference was observed in repayment performance among small, medium and large farmers of Sriganganagar and Hanumangarh and Bikaner district but in case of the farmers of Churu district the larger difference (7%) was observed among the various group of the farmers. About 65 to 85 per cent difference from large to small farms was found in repayment performance in the study area. At overall level about 75 per cent repayment performance was estimated of the borrower farmers of Bikaner region and extent of overdues was 25 per cent.