Agriculture financing
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This document discusses the two types of agriculture financing: direct financing to farmers and indirect financing to agriculture. Direct financing includes short-term loans for crops, medium and long-term loans for production/development needs like machinery/implements, irrigation, farm buildings, storage facilities, and more. Indirect financing includes lending to organizations supporting agriculture like cooperative mills, fertilizer/pesticide distributors, and lending to NABARD bonds or NBFCs for on-lending to agriculture.
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Agri finance
The document discusses various aspects of agricultural finance in India, including sources and structures of credit for farmers. It notes that non-institutional sources like money lenders were the main source of agricultural credit historically but now account for only 25% of credit, while institutional sources like commercial banks, cooperatives, and regional rural banks provide most credit. It outlines credit needs of farmers based on time period and purpose, and describes the roles of major institutions in providing agricultural finance like NABARD, commercial banks, cooperatives, and regional rural banks.
Rural Financial Markets and Agricultural Credit
This document summarizes a presentation on rural finance and agricultural credit. It discusses the differences between rural and urban areas, defines rural finance and agricultural finance, and outlines challenges in rural lending such as lack of collateral and political interference. It also provides an overview of Pakistan's economy and agriculture sector, the history of rural financial institutions in Pakistan, and recommendations for best practices based on the Bank Rakyat Indonesia model.
Agriculture finance
1) The document discusses the history and sources of agricultural financing in India. It notes that historically farmers relied on moneylenders but financing expanded with the establishment of cooperative banks and nationalization of commercial banks in the 20th century.
2) Today agricultural financing comes from multiple sources including cooperative societies, commercial banks, land development banks, regional rural banks, and government loan schemes. NABARD also plays a key role in refinancing agricultural loans.
3) The document analyzes the productive and unproductive needs for agricultural financing, as well as the short, medium, and long term loan needs of farmers. Overall it provides an overview of the development and current state of agricultural financing systems in India.
Agricultural finance
This document provides an overview of agricultural finance in India. It begins with the historical context of agricultural lending, originally done by moneylenders, and the subsequent development of institutional lenders after policy reforms in the 1930s. It then covers various classifications of agricultural finance based on time, purpose, security, and lender/borrower type. The main sources of agricultural credit in India are discussed, including cooperative societies, commercial banks, land development banks, microfinance institutions, and government schemes. Weaknesses in the rural credit system are outlined along with suggestions for improving access to institutional finance. Agency-wise credit data from 2005-2017 demonstrates the growing role of commercial banks in agricultural lending.
Agricultural finance
Agriculture contributes around 15% to India's GDP but employs over 50% of the population. Rural areas are home to over 70% of India's population, many of whom are poor farmers dependent on agriculture. The government prioritizes raising agricultural productivity to reduce poverty. Formal agricultural financing through banks has grown over time from money lenders to include cooperative banks, nationalized banks, regional rural banks, and now a multi-agency approach including public, private, and foreign banks. Key agricultural financing products include crop loans and Kisan Credit Cards (KCC), which consolidate short and long-term credit needs. However, many small and marginal farmers still lack adequate access to agricultural credit.
Agricultural finance ;
The document discusses agricultural finance and the development of banking in India. It covers the following key points:
1. Agricultural finance deals with financial aspects of farm businesses, including credit needs, sources of funds, and individual farm financial management.
2. The development of banking in India involved the co-operative movement pre-independence, the nationalization of major banks post-independence to expand access to credit, and the liberalization of the sector to allow new private and foreign banks.
3. For agricultural credit to be effective, the credit needs of farmers must be fully met, credit must be easily accessible and available when needed, and interest rates charged to farmers should be relatively low.
Trends in Agricultural Credit
Agriculture sector is playing a significant role in the
development of rural areas in our country. Agriculture is the
main occupation and still is a strong means of livelihood and
there is necessity for ensuring sustainability in these
livelihoods. Agriculture and allied sectors contribute nearly
22% of GDP of India and further 9.93% contribution in total
export of India.
Rural indebtedness, agricultural distress,
dependency on private money lenders, and farmers suicides
are common features surrounding Indian Agriculture. For
more than 100 years RBI and Central Government have been
making efforts to enhance institutional credit in rural areas
particularly to assist agricultural operations. But economic
survey (GOI) 2010 shows that out of 27 public sector banks,
only 14 sector banks achieved the agricultural credit target of
18% agricultural credit and in case of private sector banks
only 8 achieved the target of 18% for lending to agriculture
in 2009.
Needs and Sources of Credit in Indian Agriculture
This document discusses the need for and sources of credit in Indian agriculture. It notes that agricultural credit is a crucial input, and that the major historical source was private moneylenders who charged high interest rates. To address this, a multi-agency approach using cooperatives, commercial banks, and regional rural banks now provides cheaper and more adequate credit to farmers. It then outlines the various financial needs of Indian farmers and the roles of credit. Finally, it details the major institutional sources of agricultural credit in India, including cooperatives, commercial banks, land development banks, regional rural banks, government loan schemes, and NABARD.
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Agri finance
The document discusses various aspects of agricultural finance in India, including sources and structures of credit for farmers. It notes that non-institutional sources like money lenders were the main source of agricultural credit historically but now account for only 25% of credit, while institutional sources like commercial banks, cooperatives, and regional rural banks provide most credit. It outlines credit needs of farmers based on time period and purpose, and describes the roles of major institutions in providing agricultural finance like NABARD, commercial banks, cooperatives, and regional rural banks.
Rural Financial Markets and Agricultural Credit
This document summarizes a presentation on rural finance and agricultural credit. It discusses the differences between rural and urban areas, defines rural finance and agricultural finance, and outlines challenges in rural lending such as lack of collateral and political interference. It also provides an overview of Pakistan's economy and agriculture sector, the history of rural financial institutions in Pakistan, and recommendations for best practices based on the Bank Rakyat Indonesia model.
Agriculture finance
1) The document discusses the history and sources of agricultural financing in India. It notes that historically farmers relied on moneylenders but financing expanded with the establishment of cooperative banks and nationalization of commercial banks in the 20th century.
2) Today agricultural financing comes from multiple sources including cooperative societies, commercial banks, land development banks, regional rural banks, and government loan schemes. NABARD also plays a key role in refinancing agricultural loans.
3) The document analyzes the productive and unproductive needs for agricultural financing, as well as the short, medium, and long term loan needs of farmers. Overall it provides an overview of the development and current state of agricultural financing systems in India.
Agricultural finance
This document provides an overview of agricultural finance in India. It begins with the historical context of agricultural lending, originally done by moneylenders, and the subsequent development of institutional lenders after policy reforms in the 1930s. It then covers various classifications of agricultural finance based on time, purpose, security, and lender/borrower type. The main sources of agricultural credit in India are discussed, including cooperative societies, commercial banks, land development banks, microfinance institutions, and government schemes. Weaknesses in the rural credit system are outlined along with suggestions for improving access to institutional finance. Agency-wise credit data from 2005-2017 demonstrates the growing role of commercial banks in agricultural lending.
Agricultural finance
Agriculture contributes around 15% to India's GDP but employs over 50% of the population. Rural areas are home to over 70% of India's population, many of whom are poor farmers dependent on agriculture. The government prioritizes raising agricultural productivity to reduce poverty. Formal agricultural financing through banks has grown over time from money lenders to include cooperative banks, nationalized banks, regional rural banks, and now a multi-agency approach including public, private, and foreign banks. Key agricultural financing products include crop loans and Kisan Credit Cards (KCC), which consolidate short and long-term credit needs. However, many small and marginal farmers still lack adequate access to agricultural credit.
Agricultural finance ;
The document discusses agricultural finance and the development of banking in India. It covers the following key points:
1. Agricultural finance deals with financial aspects of farm businesses, including credit needs, sources of funds, and individual farm financial management.
2. The development of banking in India involved the co-operative movement pre-independence, the nationalization of major banks post-independence to expand access to credit, and the liberalization of the sector to allow new private and foreign banks.
3. For agricultural credit to be effective, the credit needs of farmers must be fully met, credit must be easily accessible and available when needed, and interest rates charged to farmers should be relatively low.
Trends in Agricultural Credit
Agriculture sector is playing a significant role in the
development of rural areas in our country. Agriculture is the
main occupation and still is a strong means of livelihood and
there is necessity for ensuring sustainability in these
livelihoods. Agriculture and allied sectors contribute nearly
22% of GDP of India and further 9.93% contribution in total
export of India.
Rural indebtedness, agricultural distress,
dependency on private money lenders, and farmers suicides
are common features surrounding Indian Agriculture. For
more than 100 years RBI and Central Government have been
making efforts to enhance institutional credit in rural areas
particularly to assist agricultural operations. But economic
survey (GOI) 2010 shows that out of 27 public sector banks,
only 14 sector banks achieved the agricultural credit target of
18% agricultural credit and in case of private sector banks
only 8 achieved the target of 18% for lending to agriculture
in 2009.
Needs and Sources of Credit in Indian Agriculture
This document discusses the need for and sources of credit in Indian agriculture. It notes that agricultural credit is a crucial input, and that the major historical source was private moneylenders who charged high interest rates. To address this, a multi-agency approach using cooperatives, commercial banks, and regional rural banks now provides cheaper and more adequate credit to farmers. It then outlines the various financial needs of Indian farmers and the roles of credit. Finally, it details the major institutional sources of agricultural credit in India, including cooperatives, commercial banks, land development banks, regional rural banks, government loan schemes, and NABARD.
Ppt
The document provides historical background on regional rural banks (RRBs) in India. It notes that according to a 1951-52 survey, only 7.3% of rural credit came from institutional sources like cooperatives and banks, while 92.7% came from non-institutional sources like money lenders. RRBs were established in 1975 to provide credit and other facilities specifically to small and marginal farmers, agricultural laborers, artisans and small entrepreneurs to promote development in rural areas. Currently there are 82 RRBs operating across various states in India.
Agricultural credit
Agricultural credit is a vital input for Pakistan's economy, as the agricultural sector accounts for 25.3% of GDP. It is needed to purchase inputs, machinery, make improvements, and manage risks for farmers. The major sources of agricultural credit are non-institutional sources like money lenders and institutional sources like commercial banks and the Agricultural Development Bank. During 2013-14, banks disbursed Rs. 255.7 billion in agricultural credit, achieving 67.3% of the annual target of Rs. 380 billion. The share of credit going to the non-farm sector increased to 45.6% as banks diversified lending.
Credit Policy for Agriculture in India
This document provides an overview of the history and development of credit policy for agriculture in India. It discusses how rural indebtedness has long been a problem and the various steps taken over time to address this, including establishing co-operative credit societies in 1904, priority sector lending requirements for banks in 1972, establishing regional rural banks in 1975, and developing new programs like interest subvention, debt waiver schemes, self-help groups, and financial inclusion initiatives. It also analyzes trends in the sources and growth of agricultural credit over time from different institutional agencies.
Agricultural finance
Introduction to Agricultural Finance along with it's meaning, definition, scope, and significance in Agriculture.
Kisan Credit Card
The document discusses the Kisan Credit Card (KCC) scheme in India. KCC was introduced in 1998-99 by the Reserve Bank of India and NABARD to provide easy access to credit for farmers. It functions as a revolving cash credit facility with a limit set based on landholding and crops. Farmers can withdraw funds for agricultural inputs and household needs. Key features include flexibility in repayment if crops fail and insurance coverage. Over 750 million cards have been issued, aiming to improve farmers' access to formal credit sources.
Role of Rural Finance Institution in Agriculture Development
Commercial banks, regional rural banks, and cooperative institutions play an important role in providing financial services to rural India. They provide short, medium, and long term loans to farmers for agricultural operations, machinery, and infrastructure development. Regional rural banks specifically target small and marginal farmers, while cooperative societies like primary agricultural credit societies are village-level organizations that provide direct credit to farmers. National Bank for Agriculture and Rural Development (NABARD) regulates and provides refinancing support to rural banks and cooperatives. Together this rural financial system aims to improve agricultural productivity and rural development in India.
Chapter 1 Introduction, Scope and Nature of Agricultural finance
This document discusses the meaning, definitions, nature, scope and significance of agricultural finance. It defines agricultural finance as the economic study of farmers borrowing funds and the organizations that lend to agriculture. Agricultural finance can be examined at both the macro and micro level. At the macro level, it deals with total credit needs for the agricultural sector, while at the micro level it focuses on financial management of individual farm businesses. Agricultural finance plays a vital role in agro-socioeconomic development by increasing productivity, farm income, and reducing economic imbalances. It is also important for supporting infrastructure and technology adoption to modernize traditional agriculture.
Agriculture credit
This document discusses agricultural credit and the agricultural credit market in Pakistan. It defines agricultural credit as loans obtained to promote and develop agriculture. The objectives of agricultural credit are to accelerate economic growth, reduce unemployment, increase exports, and ensure food security. Sources of credit include institutional sources like banks and cooperatives as well as non-institutional sources like moneylenders. Farmers' credit needs are examined based on time (short, medium, long term) and purpose (productive, unproductive, consumption). Efficiency of the agricultural credit market requires increasing access to credit, lowering interest rates, targeting access, streamlining procedures, and increasing farmer awareness.
Unit 1 regional rural banks
Regional Rural Banks (RRBs) were established in India in 1975 to provide banking facilities to rural areas. They are jointly owned by the central government, state government and sponsoring commercial bank. RRBs focus on providing credit and banking services to small and marginal farmers, agricultural laborers and small businesses in rural areas. They accept deposits and offer loans, remittance facilities, and other banking services. However, over time RRBs have faced issues like inadequate finances, high loan defaults, and lack of coordination with other financial institutions which has impacted their effectiveness in developing rural regions of India.
Agriculture credit
This document discusses agriculture credit and small and medium enterprises (SMEs) in Pakistan. It provides classifications and sources of agriculture credit, as well as current credit schemes. It also outlines problems faced by farmers and SMEs, including lack of financing, skilled labor, and marketing challenges. Additionally, it compares agriculture and credit systems between Pakistan and India.
Agriculture credit
Agricultural credit is an important input for agricultural development programs in India. It is needed to purchase seeds, fertilizers, equipment and manage risks. However, small and marginal farmers often do not receive enough institutional credit. Some reasons for this are loose definitions that allow large companies access to subsidized loans, and non-compliance by banks with targets for lending to small farmers. Reforms are needed to streamline the system and better facilitate credit to small farmers through organizations and technology.
agriculture_credit
This document discusses agricultural credit and its importance for farmers. It covers the need for agricultural credit to purchase new inputs, implements, manage risk, and make improvements. The document also outlines different types of agricultural credit, including short-term, medium-term, and long-term credit. Sources of agricultural credit are discussed, including non-institutional sources like money lenders and institutional sources like agricultural development banks and commercial banks. Problems obtaining credit like high interest rates and complicated procedures are summarized. Finally, remedial measures are proposed such as making the loan process easier and establishing more agricultural development banks.
Classification of credit in agriculture
The detail classification of credit in agriculture and need of credit in agriculture to Indian farmers.
ECON-242 Agriculture finance and co-operation.
By, Miss. Raksha Anil Hingankar.
Macroeconomics Role Of Institutional Credit For Economic Growth
The document discusses the importance of institutional credit for agricultural growth and economic development in India. It notes that historically, agriculture has relied on informal credit sources that charge very high interest rates. The document outlines the establishment of institutional credit for agriculture in India via programs like priority sector lending and the Kisan credit card scheme. It finds that increased access to institutional credit is linked to higher agricultural productivity, food production and reduced farmer debt. However, it also flags issues like declining credit to agriculture from commercial banks and a need for expanded access to affordable credit via microfinance and technological solutions.
KCC
Crop Loans, also called short term loans for seasonal agricultural operations, are intended to cover the costs of raising crops until harvest. The Kisan Credit Card (KCC) scheme provides farmers crop loans through commercial banks, cooperative banks, and regional rural banks. All farmers, including small/marginal farmers and tenant farmers, are eligible for a KCC. KCC holders are also covered by a personal accident insurance scheme. Banks assess eligibility based on land available and credit history, and the scope of KCC has been expanded to include term credit and consumption needs.
kisan credit card (KCC)
The document provides information about the Kisan Credit Card scheme in India. It was introduced in 1998 by Indian banks to provide affordable credit to farmers. Key points include:
- The Kisan Credit Card provides term loans and meets agricultural credit needs. Eligible farmers can receive loans at a 7% interest rate.
- Features include interest subsidies to make loans effectively 4% annually, free ATM cards, crop insurance coverage, and loans assessed based on cost of cultivation.
- To apply, farmers need identity proof, address proof, and can visit their local participating bank branch. Repayment is only required after harvest.
Trend and Growth of Flow of Credit to Agriculture after 1991 in India
Agriculture in India is at a crossroads and major challenge of the policy makers is to reverse the
trend of deceleration in agricultural growth which is directly associated with the declining of public investment
in agricultural research and development, fragmentation of holdings, lack of infrastructure and structured
markets, outdated technology and inappropriate input pricing policies of the government. The crisis of
agricultural stagnation needs immediate attention and treatment on the part of planners and policy makers.
Recognizing the continuous deceleration of agricultural growth, the present study attempts to analysis the trend
and growth of flow of credit to agriculture after 1991in India. The study based on secondary sources of data
compile from several sources, revealed that structure of credit outlets has witnessed a significant change and
commercial banks have emerged as the major source of institutional credit to agriculture in recent years, but
the declining share of investmental credit in total credit may constrain the sustainable growth of agriculture in
India. The situation calls for concrete efforts to augment the flow of credit to agriculture, alongside to exploring
the new innovations in the farming practices, product design and methods of delivery through better use of
technology and related processes. Facilitating credit through processor, NGO’s and input dealers that are
vertically integrated with farmers for providing them critical inputs or processing their produce, could increase
the credit flow to agriculture significantly.
Kisan Credit Card | किसान क्रेडिट कार्ड | KCC Scheme and Loan Limit Assessment
Kisan Credit Card Scheme as per RBI latest guidelines. Complete scheme norms and loan limit assessment for bankers and farmers. Important for JAIIB / CAIIB exam and Bank PO exam (Banking Awareness). Please like and share the video and subscribe my channel for more banking awareness video. For details you may study my book on JAIIB.
Agriculturalcredit
1. Agricultural credit is an important input for leveraging financial growth in the agricultural sector and ultimately leading to sustainable economic growth.
2. It is provided by both formal institutional sources like agricultural development banks and commercial banks, as well as informal non-institutional sources like money lenders and shopkeepers.
3. It is needed for a variety of purposes from purchasing seeds and fertilizers, to machinery, to making permanent land improvements and managing risks. However, small farmers often face issues in accessing sufficient credit from institutional sources.
KISAN CREDIT CARD
The document discusses the Kisan Credit Card (KCC) scheme, which provides affordable credit to farmers in India. KCC was introduced in 1998 by the Government of India and is formulated by NABARD. It provides short-term credit for cultivation and other agricultural needs. Eligible farmers between 18-75 years can apply, with joint applications allowed for up to 5 people. Interest rates for KCC loans vary by bank but are typically between 7-13%. Insurance of up to Rs. 50,000 is provided for death and Rs. 25,000 for disability. The goal of KCC is to provide timely and adequate credit to farmers with minimal documentation.
What is Negative Interest Rates
This presentation will discuss central bank policies as it relates to negative interest rates. The following areas will be included
1. Household Debt
2. Government Debt
3. Business Strategy for low interest rates
4. Currency Impact
5. Inflation
Negative Interest Rate Essay
- The European Central Bank introduced negative interest rates in 2014 in an attempt to stimulate more lending and economic growth in the Eurozone. This was a unprecedented policy that saw deposit rates at the ECB drop slightly below zero.
- The goal was to discourage banks from parking excess funds at the ECB and instead incentivize more lending. However, there may not have been enough creditworthy borrowers, so banks still had little incentive to lend more.
- This policy has driven down bond yields in Europe with some bonds now having negative nominal interest rates. It has also started affecting markets outside Europe as bond buying and negative rates may spread. The long term implications of widespread negative interest rates on markets and individuals remain unclear.
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Ppt
The document provides historical background on regional rural banks (RRBs) in India. It notes that according to a 1951-52 survey, only 7.3% of rural credit came from institutional sources like cooperatives and banks, while 92.7% came from non-institutional sources like money lenders. RRBs were established in 1975 to provide credit and other facilities specifically to small and marginal farmers, agricultural laborers, artisans and small entrepreneurs to promote development in rural areas. Currently there are 82 RRBs operating across various states in India.
Agricultural credit
Agricultural credit is a vital input for Pakistan's economy, as the agricultural sector accounts for 25.3% of GDP. It is needed to purchase inputs, machinery, make improvements, and manage risks for farmers. The major sources of agricultural credit are non-institutional sources like money lenders and institutional sources like commercial banks and the Agricultural Development Bank. During 2013-14, banks disbursed Rs. 255.7 billion in agricultural credit, achieving 67.3% of the annual target of Rs. 380 billion. The share of credit going to the non-farm sector increased to 45.6% as banks diversified lending.
Credit Policy for Agriculture in India
This document provides an overview of the history and development of credit policy for agriculture in India. It discusses how rural indebtedness has long been a problem and the various steps taken over time to address this, including establishing co-operative credit societies in 1904, priority sector lending requirements for banks in 1972, establishing regional rural banks in 1975, and developing new programs like interest subvention, debt waiver schemes, self-help groups, and financial inclusion initiatives. It also analyzes trends in the sources and growth of agricultural credit over time from different institutional agencies.
Agricultural finance
Introduction to Agricultural Finance along with it's meaning, definition, scope, and significance in Agriculture.
Kisan Credit Card
The document discusses the Kisan Credit Card (KCC) scheme in India. KCC was introduced in 1998-99 by the Reserve Bank of India and NABARD to provide easy access to credit for farmers. It functions as a revolving cash credit facility with a limit set based on landholding and crops. Farmers can withdraw funds for agricultural inputs and household needs. Key features include flexibility in repayment if crops fail and insurance coverage. Over 750 million cards have been issued, aiming to improve farmers' access to formal credit sources.
Role of Rural Finance Institution in Agriculture Development
Commercial banks, regional rural banks, and cooperative institutions play an important role in providing financial services to rural India. They provide short, medium, and long term loans to farmers for agricultural operations, machinery, and infrastructure development. Regional rural banks specifically target small and marginal farmers, while cooperative societies like primary agricultural credit societies are village-level organizations that provide direct credit to farmers. National Bank for Agriculture and Rural Development (NABARD) regulates and provides refinancing support to rural banks and cooperatives. Together this rural financial system aims to improve agricultural productivity and rural development in India.
Chapter 1 Introduction, Scope and Nature of Agricultural finance
This document discusses the meaning, definitions, nature, scope and significance of agricultural finance. It defines agricultural finance as the economic study of farmers borrowing funds and the organizations that lend to agriculture. Agricultural finance can be examined at both the macro and micro level. At the macro level, it deals with total credit needs for the agricultural sector, while at the micro level it focuses on financial management of individual farm businesses. Agricultural finance plays a vital role in agro-socioeconomic development by increasing productivity, farm income, and reducing economic imbalances. It is also important for supporting infrastructure and technology adoption to modernize traditional agriculture.
Agriculture credit
This document discusses agricultural credit and the agricultural credit market in Pakistan. It defines agricultural credit as loans obtained to promote and develop agriculture. The objectives of agricultural credit are to accelerate economic growth, reduce unemployment, increase exports, and ensure food security. Sources of credit include institutional sources like banks and cooperatives as well as non-institutional sources like moneylenders. Farmers' credit needs are examined based on time (short, medium, long term) and purpose (productive, unproductive, consumption). Efficiency of the agricultural credit market requires increasing access to credit, lowering interest rates, targeting access, streamlining procedures, and increasing farmer awareness.
Unit 1 regional rural banks
Regional Rural Banks (RRBs) were established in India in 1975 to provide banking facilities to rural areas. They are jointly owned by the central government, state government and sponsoring commercial bank. RRBs focus on providing credit and banking services to small and marginal farmers, agricultural laborers and small businesses in rural areas. They accept deposits and offer loans, remittance facilities, and other banking services. However, over time RRBs have faced issues like inadequate finances, high loan defaults, and lack of coordination with other financial institutions which has impacted their effectiveness in developing rural regions of India.
Agriculture credit
This document discusses agriculture credit and small and medium enterprises (SMEs) in Pakistan. It provides classifications and sources of agriculture credit, as well as current credit schemes. It also outlines problems faced by farmers and SMEs, including lack of financing, skilled labor, and marketing challenges. Additionally, it compares agriculture and credit systems between Pakistan and India.
Agriculture credit
Agricultural credit is an important input for agricultural development programs in India. It is needed to purchase seeds, fertilizers, equipment and manage risks. However, small and marginal farmers often do not receive enough institutional credit. Some reasons for this are loose definitions that allow large companies access to subsidized loans, and non-compliance by banks with targets for lending to small farmers. Reforms are needed to streamline the system and better facilitate credit to small farmers through organizations and technology.
agriculture_credit
This document discusses agricultural credit and its importance for farmers. It covers the need for agricultural credit to purchase new inputs, implements, manage risk, and make improvements. The document also outlines different types of agricultural credit, including short-term, medium-term, and long-term credit. Sources of agricultural credit are discussed, including non-institutional sources like money lenders and institutional sources like agricultural development banks and commercial banks. Problems obtaining credit like high interest rates and complicated procedures are summarized. Finally, remedial measures are proposed such as making the loan process easier and establishing more agricultural development banks.
Classification of credit in agriculture
The detail classification of credit in agriculture and need of credit in agriculture to Indian farmers.
ECON-242 Agriculture finance and co-operation.
By, Miss. Raksha Anil Hingankar.
Macroeconomics Role Of Institutional Credit For Economic Growth
The document discusses the importance of institutional credit for agricultural growth and economic development in India. It notes that historically, agriculture has relied on informal credit sources that charge very high interest rates. The document outlines the establishment of institutional credit for agriculture in India via programs like priority sector lending and the Kisan credit card scheme. It finds that increased access to institutional credit is linked to higher agricultural productivity, food production and reduced farmer debt. However, it also flags issues like declining credit to agriculture from commercial banks and a need for expanded access to affordable credit via microfinance and technological solutions.
KCC
Crop Loans, also called short term loans for seasonal agricultural operations, are intended to cover the costs of raising crops until harvest. The Kisan Credit Card (KCC) scheme provides farmers crop loans through commercial banks, cooperative banks, and regional rural banks. All farmers, including small/marginal farmers and tenant farmers, are eligible for a KCC. KCC holders are also covered by a personal accident insurance scheme. Banks assess eligibility based on land available and credit history, and the scope of KCC has been expanded to include term credit and consumption needs.
kisan credit card (KCC)
The document provides information about the Kisan Credit Card scheme in India. It was introduced in 1998 by Indian banks to provide affordable credit to farmers. Key points include:
- The Kisan Credit Card provides term loans and meets agricultural credit needs. Eligible farmers can receive loans at a 7% interest rate.
- Features include interest subsidies to make loans effectively 4% annually, free ATM cards, crop insurance coverage, and loans assessed based on cost of cultivation.
- To apply, farmers need identity proof, address proof, and can visit their local participating bank branch. Repayment is only required after harvest.
Trend and Growth of Flow of Credit to Agriculture after 1991 in India
Agriculture in India is at a crossroads and major challenge of the policy makers is to reverse the
trend of deceleration in agricultural growth which is directly associated with the declining of public investment
in agricultural research and development, fragmentation of holdings, lack of infrastructure and structured
markets, outdated technology and inappropriate input pricing policies of the government. The crisis of
agricultural stagnation needs immediate attention and treatment on the part of planners and policy makers.
Recognizing the continuous deceleration of agricultural growth, the present study attempts to analysis the trend
and growth of flow of credit to agriculture after 1991in India. The study based on secondary sources of data
compile from several sources, revealed that structure of credit outlets has witnessed a significant change and
commercial banks have emerged as the major source of institutional credit to agriculture in recent years, but
the declining share of investmental credit in total credit may constrain the sustainable growth of agriculture in
India. The situation calls for concrete efforts to augment the flow of credit to agriculture, alongside to exploring
the new innovations in the farming practices, product design and methods of delivery through better use of
technology and related processes. Facilitating credit through processor, NGO’s and input dealers that are
vertically integrated with farmers for providing them critical inputs or processing their produce, could increase
the credit flow to agriculture significantly.
Kisan Credit Card | किसान क्रेडिट कार्ड | KCC Scheme and Loan Limit Assessment
Kisan Credit Card Scheme as per RBI latest guidelines. Complete scheme norms and loan limit assessment for bankers and farmers. Important for JAIIB / CAIIB exam and Bank PO exam (Banking Awareness). Please like and share the video and subscribe my channel for more banking awareness video. For details you may study my book on JAIIB.
Agriculturalcredit
1. Agricultural credit is an important input for leveraging financial growth in the agricultural sector and ultimately leading to sustainable economic growth.
2. It is provided by both formal institutional sources like agricultural development banks and commercial banks, as well as informal non-institutional sources like money lenders and shopkeepers.
3. It is needed for a variety of purposes from purchasing seeds and fertilizers, to machinery, to making permanent land improvements and managing risks. However, small farmers often face issues in accessing sufficient credit from institutional sources.
KISAN CREDIT CARD
The document discusses the Kisan Credit Card (KCC) scheme, which provides affordable credit to farmers in India. KCC was introduced in 1998 by the Government of India and is formulated by NABARD. It provides short-term credit for cultivation and other agricultural needs. Eligible farmers between 18-75 years can apply, with joint applications allowed for up to 5 people. Interest rates for KCC loans vary by bank but are typically between 7-13%. Insurance of up to Rs. 50,000 is provided for death and Rs. 25,000 for disability. The goal of KCC is to provide timely and adequate credit to farmers with minimal documentation.
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Role of Rural Finance Institution in Agriculture Development
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Macroeconomics Role Of Institutional Credit For Economic Growth
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Kisan Credit Card | किसान क्रेडिट कार्ड | KCC Scheme and Loan Limit Assessment
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What is Negative Interest Rates
This presentation will discuss central bank policies as it relates to negative interest rates. The following areas will be included
1. Household Debt
2. Government Debt
3. Business Strategy for low interest rates
4. Currency Impact
5. Inflation
Negative Interest Rate Essay
- The European Central Bank introduced negative interest rates in 2014 in an attempt to stimulate more lending and economic growth in the Eurozone. This was a unprecedented policy that saw deposit rates at the ECB drop slightly below zero.
- The goal was to discourage banks from parking excess funds at the ECB and instead incentivize more lending. However, there may not have been enough creditworthy borrowers, so banks still had little incentive to lend more.
- This policy has driven down bond yields in Europe with some bonds now having negative nominal interest rates. It has also started affecting markets outside Europe as bond buying and negative rates may spread. The long term implications of widespread negative interest rates on markets and individuals remain unclear.
3 simple points to understand negative interest rates
As you must have recently come across the news that BOJ (Bank of Japan) is moving towards negative interest rates.
So what is this all about? If you are from India, you might not have faced negative interest rates in your life. Infact, you must only be aware of the term – interest rate (which is by default positive)
So, let us understand this in 3 simple points...
Rural agricultural financing
This document discusses strategies for improving access to financial services for agricultural value chains in Africa. It notes that while over 60% of Africa's population lives rurally and engages in agriculture, the agricultural sector lacks large-scale investment and access to financing. The document outlines challenges like risk, lack of infrastructure and weak market structures that impede agricultural financing. It then discusses various innovations and tools for managing risk and financing along commodity value chains, including microfinance, value chain financing, futures markets, warehouse receipts and using movable assets as collateral. The goal is to develop sustainable and holistic solutions that link smallholder farmers to markets and financial services.
MoneyAndBankingPresentation
Negative interest rate policy (NIRP) has been adopted by several central banks to stimulate economic growth and combat deflation. While NIRP aims to increase lending by making it costly for banks to hold reserves, there are also risks like encouraging risky behavior and reducing confidence. Economists disagree on whether NIRP's benefits outweigh the costs. For the large and complex US economy, most experts argue that monetary policy tools other than NIRP should be used before considering negative rates due to the policy's uncertainties.
Banking and financial institutions
The document provides an overview of banking and financial institutions. It defines banking as accepting deposits from the public that are repayable on demand. Commercial banks engage in deposit taking and lending activities. Central banks act as bankers to commercial banks and engage in credit control to regulate money supply. Non-performing assets are loans that are overdue for over 90 days, impacting bank profitability. The Indian banking system has evolved from money lenders to include public and private sector banks.
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Apart from its Monetary policies to combat Inflation, Recession and like issues; Central Bank also has a significant role to play in the development of a country. This brief presentation highlights the roles India's Central Bank - the Reserve Bank of India has to play in the country's development.
Role of financial institution
This document discusses various specialized financial institutions in India that provide financing for projects and businesses. It describes the roles of commercial banks, Industrial Finance Corporations of India (IFCI), Industrial Development Bank of India (IDBI), Industrial Credit and Investment Corporation of India (ICICI), Small Industries Development Bank of India (SIDBI), State Financial Corporations (SFCs), venture capital funding, and angel capitalists. It provides details on the objectives, functions and types of loans/assistance offered by each institution.
Global financial crisis 2008
1. The 2008 financial crisis was caused by the bursting of the housing bubble in the U.S., also known as the subprime mortgage crisis.
2. Subprime lending involves giving loans to borrowers who may have difficulty maintaining repayments, and are characterized by higher interest rates and poorer terms.
3. The crisis occurred due to a relaxation in lending regulations, poor creditworthiness of borrowers, rising housing prices, and borrowers' inability to pay their mortgages, leading to failures of major banks and financial institutions.
Financial Institutions
This document defines and describes various types of financial institutions. It discusses banks, central banks, commercial banks, investment banks, savings banks, microfinance banks, Islamic banks, specialized banks, non-banking financial companies, investment companies, leasing companies, insurance companies, mutual funds, and brokerage houses. It also covers the functions of financial institutions in transferring funds from investors to companies and facilitating cash flow in the economy.
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Agriculture
This document summarizes two types of agriculture financing: direct financing to farmers and indirect financing to agriculture. Direct financing includes short-term loans for raising crops and medium to long-term loans for activities like purchasing equipment, irrigation development, farm buildings, storage facilities, and land purchase. Indirect financing includes loans through cooperatives, financing for inputs, machinery hire-purchase schemes, bonds from NABARD, and lending to non-bank financial companies for agriculture.
Agriculture 110914052119-phpapp02
This document discusses the two types of agriculture financing: direct financing to farmers and indirect financing to agriculture. Direct financing includes short-term loans for raising crops up to Rs. 5 lakh and medium to long-term loans for various agricultural production and development activities. Indirect financing includes loans through cooperatives, financing the distribution of supplies, and lending to organizations supporting agriculture.
agricultural finance and rural credit (1).pdf
This document defines and discusses agricultural finance. It provides definitions from various sources that describe agricultural finance as studying the financial aspects of farm businesses, including credit sources and credit use. The document also discusses the nature and scope of agricultural finance at both the macro and micro levels. It outlines the types and significance of agricultural credit as well as how agricultural credit can be classified based on time, purpose, security, lenders, and borrowers.
Agriculture finance
Agricultural finance deals with the study of credit provision and liquidity services for farm borrowers. It examines the financial intermediaries that provide loan funds to agriculture and how these intermediaries obtain funds. Agricultural finance can be examined at both the macro and micro level. At the macro level, it considers total credit needs and terms for the agricultural sector. At the micro level, it focuses on financial management of individual farm units. Common sources of agricultural finance include money lenders, traders, cooperatives, commercial banks, and microfinance organizations. Loans are classified by time period, purpose, and security. Weaknesses in rural credit systems include a lack of motivation, high interest rates, and poor recovery rates. Suggestions for
14.supervised credit
The document discusses supervised agricultural credit schemes in Pakistan. Key points:
- The Agricultural Credit Department coordinates agricultural credit operations between banks and other organizations to provide farmers access to financing.
- The Supervised Agricultural Credit Scheme provides an integrated package of financing, farm inputs, technical guidance, and marketing assistance to farmers across Pakistan. Several banks participate in the scheme.
- Eligible farmers can obtain financing for production, development, marketing, and other agricultural purposes. Facilities include revolving credit limits, lease financing, financing for agricultural products, and more. Advisory committees help farmers obtain credit.
14.supervised credit
The document discusses supervised agricultural credit schemes in Pakistan. Key points:
- The Agricultural Credit Department coordinates agricultural credit operations between banks and other organizations to provide farmers access to financing.
- The Supervised Agricultural Credit Scheme provides an integrated package of financing, farm inputs, technical guidance, and marketing assistance to farmers across Pakistan. Several banks participate in the scheme.
- Eligible farmers can obtain financing for production, development, marketing, and other agricultural purposes. Facilities include revolving credit limits, lease financing, financing for agricultural commodities, and more. Advisory committees help farmers obtain credit.
AEC 302 DEVA DHARSHINI S 2017042104.pptx
This document discusses agricultural credit, including its definition, need, classification, sources, and problems. It can be summarized as follows:
1) Agricultural credit refers to loans needed by farmers to grow the agricultural sector and is classified based on purpose, repayment period, security, surplus generation, creditor, and number of activities.
2) Farmers need credit for inputs, machinery, risk management, land improvements, marketing, and emergencies. Institutional sources include banks and development programs while non-institutional sources are exploitative.
3) Problems with agricultural credit include low access for small farmers, complicated application processes, increasing bad debts, delayed disbursements, and high interest rates. Remedies proposed
Agriculture finnance
1. The document discusses various aspects of agricultural credit such as purpose, time period, security, generation of surplus funds, approach, and principles of credit.
2. It categorizes agricultural credit based on purpose as production credit, investment credit, marketing credit, and consumption credit. It also differentiates credit based on time period as short-term, medium-term, and long-term credit.
3. Security for agricultural loans includes secured loans against land mortgage, collateral security against crops/livestock, and personal security based on character and repaying capacity without tangible assets.
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This document discusses agricultural credit and its classification. It defines agricultural finance and explains the need for agricultural credit. It then classifies agricultural credit based on time, purpose, security, liquidity, approach, and contact. It also discusses the 3Rs of credit analysis - returns, repayment capacity, and risk bearing ability. Finally, it outlines the 5Cs of credit - character, capacity, capital, condition, and commonsense.
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Agricultural finance refers to the financial services and products specifically designed to meet the unique needs of farmers, agricultural businesses, and rural communities. It plays a crucial role in supporting agricultural activities, providing farmers with the necessary funds to purchase equipment, invest in infrastructure, manage cash flow, and mitigate risks. In this article, we will explore the concept of agricultural finance in detail, examining its significance and the various financial tools available in this sector.
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The document discusses various types of agricultural subsidies provided by the Indian government to farmers. It outlines subsidies for fertilizers, power, irrigation, seeds, exports, credit, and agricultural infrastructure. The current annual subsidy bill stands at around 2.57 trillion rupees in 2015-16. Subsidies aim to ensure affordable inputs for farmers and reasonable returns for manufacturers while stabilizing prices and ensuring adequate availability of supplies.
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This document provides lecture notes on agricultural finance. It defines agricultural finance and discusses its nature and scope at both the micro and macro levels. Micro-finance refers to the financial management of individual farm units, while macro-finance deals with total credit needs of the agricultural sector. The document also covers credit needs in agriculture, definitions of credit, and classifications of credit based on time, purpose, security, lender, and borrower. Credit is essential for agricultural development as it allows farmers to purchase inputs, improve farms, and market crops effectively.
Agriculture credit.pptx
Agriculture credit refers to financing obtained by farmers for farming operations. It includes loans, lines of credit, and other financial products to purchase equipment, seeds, fertilizers and other inputs. Agriculture credit is essential for agricultural development by enabling investment and increased productivity. Governments often offer agriculture credit programs to support smallholder farmers with limited access to financing.
CREDIT.pptx
Credit refers to the ability to borrow money or access goods/services with the agreement to pay later. Agricultural credit can be classified in several ways:
1. By purpose - such as development/investment credit for assets, production credit for inputs, marketing credit, and consumption credit.
2. By repayment period - such as short term (<18 months), medium term (2-5 years), and long term (>5 years).
3. By security - such as farm mortgage credit secured by land, collateral credit secured by livestock/crops, and personal credit based on character.
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this presentation is to guide how financial assistance can be taken and how for export purpose for Indian farmers
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The document discusses the nature and scope of agricultural finance in India, noting that farm finance has become important due to capital-intensive technologies and that credit is needed to break the cycle of low returns for small farmers. It covers the importance of agricultural finance for development, differences between financing agriculture compared to other sectors, and factors that make agricultural lending more complex such as exposure to risks and scattered farm locations.
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The document outlines the key requisites and classifications of an effective agricultural credit system. It states that credit should meet all farmer needs, be available at the right time and place, encourage savings and growth, and reflect compromise between parties. It also classifies credit by purpose (developmental, production, marketing, consumption), period (short, medium, long term), and security (personal, collateral, mortgage, unsecured). Credit should finance the entire farming system and be interlinked with marketing to ensure repayment.
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Farm finance has become important for agricultural development in India due to the adoption of capital-intensive technologies. Credit is needed for intensification and diversification of farming as returns are low and uncertain. Both organized and unorganized credit agencies provide agricultural credit but face obstacles in lending due to differences in farmers' socioeconomic conditions and infrastructure support. Government agricultural credit policies and changes also impact the availability of credit to farmers. Understanding the theoretical basis of India's agricultural credit system, challenges faced by lenders and borrowers, and government efforts can help address problems regarding capital in agriculture.
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The document discusses various aspects of agri-financing in Pakistan including strengths, weaknesses, opportunities and threats. It outlines the importance of agriculture to the Pakistani economy and lists various financing schemes and Islamic modes that can be applied for agri-financing. These include murabahah, salam, ijarah, istisna, diminishing musharakah and others for providing financing for inputs, livestock, dairy, transport, storage and more.
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This document outlines regulations for agriculture financing in Pakistan. It discusses the importance of agriculture to Pakistan's economy and employment. It then provides definitions for key terms related to agriculture financing. The general regulations section establishes rules for assessing borrower repayment capacity, developing comprehensive agriculture financing policies, using standardized documents, expeditious processing of applications, exposure limits, maximum unsecured financing amounts, repayment schedules and grace periods, ensuring proper loan use, obtaining credit reports, and know-your-customer requirements. Specific regulations are then provided for various types of agriculture loans including inputs, development, machinery/equipment, and livestock. Regulations address loan terms, security, insurance, classification, and provisioning. Finally, regulations for corporate farming loans address linking financial indicators
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Agriculture financing
- 1. AGRICULTRE FINANCING SatrujeetSahoo 10DM092
- 2. Agriculture financing is of two types:- (i) Direct finance to farmer for agriculture. (ii) Indirect finance to agriculture.
- 3. Short- term loans for raising crops. In addition, advances up to Rs5 lakh to farmers against agricultural produce for a period not exceeding 12 months, where the farmers were given crop loans for raising the produce, provided the borrowers draw credit from one bank. Direct finance to farmers for agricultural purposes
- 4. Medium and long-term loans are also provided directly to farmers for financing production and development needs. Purchase of agricultural implements and machinery. Development of irrigation potential through construction tube wells, boring wells, construction of lift irrigation project etc. Construction of farm buildings and structures like bullock sheds, tractor sheds etc. Continues…
- 5. (d) Construction and running of storage facilities. (e) Payments of irrigation charges. (f) Development of dairying and animal husbandry. (g) Financing to small and marginal farmers for purchase of land for agricultural purposes. Continues…..
- 6. Loans to farmers for purchase of shares in co-operative sugar mills and other agro based processing unit. Loans to farmers through PACS, FSS and LAMPS. Credit for financing the distribution of fertilizers, pesticides, seeds etc. Finance for hire-purchase schemes for distribution of agricultural machinery and implements. Indirect finance to agriculture
- 7. (e) Subscriptions to bonds issued by NABARD with objectives of financing exclusively for agricultural activities. (f) Loans to individuals, institutions or organizations who under take spraying operations. (g) Lending to Non Banking Financial Companies(NBFCs) for lending to agriculture. Continues…