INSTITUTIONAL CREDIT DELIVERY TO SMALL AND MARGINAL FARMERS:A CASE STUDY IN CACHAR DISTRICT OF ASSAM
In recent years, the contribution of agriculture accounts for hardly 13.7% of gross domestic product (GDP) of India as compared to approximately 47% at the time of independence. This reduction, however, was not accompanied by a parallel decrease in the part played by agriculture in employment generation. Access to nance is crucial for the growth of the agricultural. Credit is an essential input for agriculture; therefore, its affordability and availability, particularly to the marginal and small farmers. This paper attempts to analyse the institutional credit delivery to small and marginal farmers in Cachar district of Assam and various factors inuencing credit availability and highlight the issues of credit delivery system in Cachar district of Assam. For this purpose standard statistical tools have been applied along with strong theoretical justications in this paper for analysing the proposed objective. The analysis reveals that the credit delivery to agricultural sector continues to be inadequate in the study area.