Author: Shahab E. Saqib
AIT Library Call Number: AIT RSPR no.RD-15-02
Year: 2013
Academic Program: Regional and Rural Development Planning (RRDP)
Type: Research studies project report (M. Sc.) – Asian Institute of Technology, 2015
Examination Committee: Mokbul Morshed Ahmad (Chairperson); Soparth Pongquan, Gopal B. Thapa (Examination Committee Members)
Abstract: The research study has tried to analyze the farmer’s access to agricultural credit, their credit adequacy and utilization. The utilization is studied in agriculture and non-agriculture aspects. This research has focused on the most vulnerable farmers in the district Mardan, which were in more need of credit. The general objective of this research was to analyze the farmer’s access to credit sources in flood disaster prone area. The specific objectives were to analyze the farmer’s access to credit sources that are divided into two categories, small farmers and medium & large farmers, to know about their adequacy and further utilization in different needs. The research was an explanatory and evaluation mix type of research. It is basically a primary research applying quantitative techniques. The major tools used for collection of data were standardized questionnaire survey combined with checklist.Study evaluated the farmers’access and adequacy of credit and made an effort to link with socioeconomic factors. The study employed, chi-square, T-Tests and F-Tests to see the differentiation among the farmers groups. Bi-variate analysis was used quantitative approach to find the association between dependent variables with independent variables. Results showed that most of the large farmers had accessed formal sources for credit,while small farmers were found to have limited access. Small farmers were more relied on informal sources among that, relatives were the most important. A significant difference was observed in small farmers and medium and large farmers in their average amount of credit taken from formal sources and total credit amount. Small farmers’credit access ratio was found lower in case of formal sources and was above in the case of informal sources from average access ratio. While the results were opposite for medium and large
Scholarship Donor(s): Higher Education Commission (HEC) Pakistan, Asian Institute of Technology Fellowship
Note: A research submitted in partial fulfillment of the requirements for the degree of Master of Science in Regional and Rural Development Planning
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