What question did this study set out to answer?

The paper aims to evaluate the challenges farmers face in accessing agricultural credit, particularly in light of the Covid pandemic and existing government schemes.

March 15, 2026Open Access

A Study on Problem Faced in Agricultural Credits by Farmers

Key Points

The paper aims to evaluate the challenges farmers face in accessing agricultural credit, particularly in light of the Covid pandemic and existing government schemes.
Convenience sampling method used for data collection
Sample size of 120 farmers
Focus on farmers aged 18-30 years in rural areas
Statistical analysis with simple percentage and chi-square techniques
Majority of farmers report low prices for coconuts and issues related to milk production
Farmers primarily engage with cooperative banks for credit
Indications of high land values ranging from 25L-40L
Suggestions for government to enhance credit support with subsidies and lower interest rates

Abstract

Agricultural credit is considered as one of the most basic inputs for conducting all agricultural development programmes. In India, there is an immense need for proper agricultural credit as Indian farmers are very poor. From the very beginning, the prime source of agricultural credit in India was moneylenders. The main objective of the paper is to identify the impact of Covid, to find out about awareness and preference of consumers for agricultural credit, to identify the beneficiaries of government scheme and to identify the problems faced by farmers to avail credit for agriculture. Convenience sampling method has been adopted to determine the sample size. A total of 120 farmers are taken as sample of the study. In our sampling majority of the respondents are in the age of 18-30 years, married men & located in rural areas. As per the data collected majority of samples have 25L-40L of the land value, availed Fertilizer loan, using co operative bank for the agricultural credits & have have medium term credit. They also told that they are getting low prices for coconuts & have different milk issues.The study makes use of statistical techniques such as simple percentage and chi-square. The finding of the study is to the government should focus on and to support the farmers by giving more credits with some subsidies and low interest rate.

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