Effects of short term credit advanced by ZTBL for enhancement of crop productivity and income of growers
2006
Fayaz, M. | Jan, D. | Jan, A.U. | Hussain, B.
The present study was conducted to examine the utilization and effects of short-term credit from Zarai Taraqiati Bank Ltd. (ZTBL) at tehsil Kabal area of district Swat in August 2003. Eighty respondents were selected in which forty were the beneficiaries of ZTBL and the remaining forty were the non-beneficiaries selected from the same area. Paired sample t-test was used to compare the production and income of the beneficiaries without credit and with credit. Independent sample t-test was used to compare the production and income of beneficiaries with non-beneficiaries. On overall basis beneficiaries' farmer utilized 78.84% of the amount of credit for the purpose it was received. While the remaining amount i.e. 21.15% was miss-utilized. Per acre production of beneficiaries with credit for tomato, wheat, maize and onion were 170.4 maunds (1 maund equal to 50kg), 24.6 maunds, 39.4 maunds and 152.4 maunds, respectively. In case of beneficiaries without credit it was 139.6 maunds, 18.93 maunds, 30.3 maunds and 130.7 maunds, respectively on per acre basis. While in case of non-beneficiaries it was 144.5 mounds, 19.25 maunds, 32.2 maunds and 135.3 maunds, respectively on per acre basis. Net return of beneficiaries with credit for tomato, wheat, maize and onion was Rs.17410.9, Rs. 3908.67, Rs. 7695.75, and Rs. 16450.5, respectively on per acre basis. While beneficiaries without credit it was Rs. 11863.21, Rs. 2195.54, Rs. 5981.17, and Rs. 10968.9, respectively on per acre basis. In case of non-beneficiaries it was Rs. 13616.85, Rs. 2830.15, Rs. 6600.88, and Rs. 13465, respectively on per acre basis.
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