Disaggregated Analysis of Agricultural Credit Distribution and Utilization in Rajasthan

Authors

Dr. Dev Raj Jhajhria

Abstract

This research paper provides a comprehensive analysis of agricultural credit distribution and utilization in Rajasthan, focusing on the disparities and determinants influencing access and impact. The study examines the extent and effectiveness of credit allocation across various regions and farmer demographics, utilizing quantitative data from government reports and academic studies. Findings reveal significant regional and socio-economic disparities, with access to credit being higher in irrigated areas compared to arid regions. The paper explores the effects of credit on agricultural productivity and socio-economic development, highlighting how improved access contributes to increased farm yields and income stability. It also identifies key challenges, including credit misallocation and barriers faced by marginalized groups. Policy recommendations include enhancing credit access for underserved areas, improving financial literacy, and strengthening institutional frameworks. The study concludes with suggestions for future research, emphasizing the need for long-term impact assessments, policy evaluations, and innovative credit models. This research underscores the critical role of targeted credit policies in promoting sustainable agricultural growth and equitable rural development in Rajasthan.

Keywords

Agricultural credit, Credit distribution, regional disparities, Socio-economic development, Rajasthan, Agricultural productivity, Policy recommendations, financial inclusion, Rural development, Credit utilization

Disaggregated Analysis of Agricultural Credit Distribution and Utilization in Rajasthan. Dr. Dev Raj Jhajhria. 2016. IJIRCT, Volume 2, Issue 5. Pages 1-10. https://www.ijirct.org/viewPaper.php?paperId=2408032