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November 10, 2025The Indian Economic Journal

Determinants of Access to Institutional Credit for Agriculture Sector: Empirical Evidence from Odisha, India

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Authors

BDBanamali DaleiMBMinaketan BeheraA-Alok Ranjan Behera -

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Overview

Empirical analysis shows determinants of rural development and credit access for farmers in Odisha, indicating educational support may improve outcomes.

Key Points

  • A significant proportion of farmers continue to rely on informal credit sources, impacting agricultural growth.
  • Analysis revealed that farmer education and cooperative membership positively affect access to institutional agricultural credit.
  • Through a probit regression model, the study assessed determinants using primary data from 393 farm households in Odisha.
  • Government action to promote self-help groups is essential for improving rural development and credit access.

Cite This Study

Dalei et al. (2025) studied this question.

synapsesocial.com/papers/69253a31c0ce034ddc357808https://doi.org/10.1177/00194662251385313
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  1. 1Determinants of rural credit in India: evidence from a large-scale sample survey2024 · 1 citations
  2. 2Constraint Analysis of Accessibility and Utilization of Agricultural Credit and Associated Socio-economic Traits in Puri District of Odisha, India2024
  3. 3Breaking Financial Barriers: A Limited Dependent Model Analysis of Smallholder Farmers’ Access to Institutional Credit2026
  4. 4Unlocking Farm Credit: Analysis of Factors Affecting Its Access to Farmers in West Bengal2026
  5. 5Drivers and pattern of indebtedness among agricultural households in India: Insights from a largescale survey2025