A Study on the Effectiveness of Crop Loan Utilization by Farmers in Kalaburagi District

Authors

  • Uday Kumar B Gadmi
  • S. H. Honnalli

Keywords:

Farmers, Kalaburagi District, Credit Efficiency, Agricultural Productivity, Crop Loan, Agricultural Finance

Abstract


This study examines the effectiveness of crop loan utilization among farmers in Kalaburagi District, focusing on how efficiently borrowed funds are applied toward agricultural activities. It analyzes factors influencing proper utilization, such as awareness, financial literacy, farm size, and access to institutional credit. The study also evaluates the impact of crop loans on agricultural productivity, income levels, and farmers’ repayment capacity. Findings indicate that while crop loans support agricultural operations, challenges like diversion of funds, inadequate guidance, and delayed disbursement reduce their effectiveness. The study suggests strengthening monitoring mechanisms, enhancing financial awareness, and improving credit delivery systems to ensure optimal utilization and sustainable agricultural development

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References

1. Das, A.,2020). [Specific Title Related to Agricultural Finance]. Journal of Agricultural Finance and Development, 45(1), 55-68.

2. Kumar, P., et al. (2021). Impact of agricultural financing on farm production in India. Journal of Agricultural Economics, 26(2), 15-30.

3. Patel, R., & Saravanan, V. (2018). Impact of national policies on agricultural loan disbursement by banks in India. Journal of Agricultural Finance, 13(1), 10-20.

4. Kumar, P., Singh, R., & Gupta, S. (2021). Agricultural financing and farm production in India. Journal of Agricultural Economics, 26(2), 15-30.

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Published

2025-03-07

How to Cite

1.
B Gadmi UK, Honnalli SH. A Study on the Effectiveness of Crop Loan Utilization by Farmers in Kalaburagi District. J Neonatal Surg [Internet]. 2025 Mar. 7 [cited 2026 Jun. 11];14(5):437-43. Available from: https://jneonatalsurg.com/index.php/jns/article/view/10199

Issue

Vol. 14 No. 5 (2025): Journal of Neonatal Surgery

Section

Original Article

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