Institutional Farm Credit– Input - Output Trend Analysis: A Study From Kalaburagi District, Karnataka

This research (2022–2023) examined the impact of institutional credit on farm inputs and output by farmers in Kalaburagi district of Karnataka using the panel data at district level covering the period between 2001 and 2020. The farmers rely heavily on credit mechanisms to modernize their agricultural activities. To assess the functional relationship between agriculture input-output and institutional credit, correlation and multiple regression analysis was conducted. The results showed that modern farm inputs are highly responsive to formal farm credit. An attempt was made to measure the degree and intensity of usage of modern farm inputs with availed credit and its implication on agricultural output in the region. One of the notable results was that farmers’ increased credit capacity has enabled them to procure inputs such as quality seeds, fertilizers, pesticides, and farm mechanization.