期刊名称：Researchers World - Journal of Arts Science & Commerce
印刷版ISSN：2229-4686
电子版ISSN：2229-4686
出版年度：2012
卷号：3
期号：4(2)
页码：74-84
出版社：Educational Research Multimedia & Publication
摘要：East Godavari district is an agriculturally developed district where the paddy farms up to 53 % of the total cultivated area. In the district, Cooperatives are functioning in most efficient manner by providing adequate, cheap and timely credit to agriculture and allied sector. They spread to the remote areas of the district in order to serve the needy farmers. The Cooperative Bank accepts deposits and lends both short-term and long-term credit for production and investment purpose through Primary Agricultural Co-operative Societies and also directly to the farmers. On this backdrop, an attempt is made to analyze the impact of cooperative credit on the agricultural sector by taking East Godavari district for sample study
关键词：cooperative credit; District Central Cooperative Bank (DCCB); Primary ;Agricultural Cooperative Societies (PACS); irrigation; yield; crop and term-loans; ;High yield varieties (HYV); allied sector; livelihood; var currentpos;timer; function initialize() { timer=setInterval("scrollwindow()";10);} function sc(){clearInterval(timer); }function scrollwindow() { currentpos=document.body.scrollTop; window.scroll(0;++currentpos); if (currentpos != document.body.scrollTop) sc();} document.onmousedown=scdocument.ondblclick=initializeR;RR;R;esearchers;esearchers;esearchers;esearchers;W;W;W;orld;orld;orld;orld;Journal of Arts; Science & Commerce ;¡ö;E-ISSN 2229-4686 ;¡ö;ISSN 2231-4172;International Refereed Research Journal ¡ö www.researchersworld.com ¡ö Vol.¨C III; Issue¨C4(2);October 2012[75] ;INTRODUCTION: ;East Godavari is one of the north-eastern districts of Andhra Pradesh. It shares the distinctions of "Rice ;Bowl of Andhra Pradesh" by producing paddy of 2625 kg per acre. As it is situated on the coastal side of ;Andhra Pradesh; majority of the East Godavari district people depend on agriculture and allied sectors for ;their livelihood. It is one of the highest population density regions; as agriculture is well developed. Rice; ;tobacco; pulses and coconut etc are the major crops of this district. ;The net area cultivated with crops forms about 41 % of the total geographical area of the district. Out of the ;net area sown a large portion of the area is irrigated by the network of irrigation canals in the district. The ;Godavari Irrigation System (GIS) irrigates all the mandals in delta region. Paddy forms 53 % of the total ;area sown with an average yield of 2625 kgs. / Acre in the district. The district stands first in the cultivation ;of the coconut and bananas. Out of the total production of bananas and coconuts in the state 36 % and 57 % ;of the production is from this district only. ;In this district Cooperatives are functioning in most efficient manner by providing adequate; cheap and ;timely credit to the agriculture and allied sector. Cooperative Credit institutions at district level are serving ;the agriculture and allied sector to a great extent in the East Godavari District. They spread to the remote ;areas of the district in order to serve the needy farmers. The Government of Andhra Pradesh set up ;Cooperative Central Bank at district level in Kakinada in the year 1987. The East Godavari District ;Cooperative Central Bank Ltd.; Kakinada (DCCB) is one of the biggest Cooperative Central Banks in ;Andhra Pradesh catering the needs of the agriculturists. It performs all the banking functions as per the ;Banking Regulation Act 1949. Now the bank is rendering services with 47 branches and 293 Primary ;Agricultural co-operative Societies in the district. ;The bank accepts deposits and lends both short-term and long-term credit for production and investment ;purpose through Primary Agricultural Co-operative Societies and also directly to the farmers. As on 31;st;March 2010 there were 48 branches including head office; 1534 Primary Agricultural Cooperative Societies ;with a membership of 47;532. These institutions mobilized deposits of Rs. 43; 236 Crores and issued short-;term loans of Rs. 67;937 lakhs and non-agricultural loans of Rs. 6325 lakhs. It earned a profit of Rs.324 ;lakhs for the year 2009-10. ;REVIEW OF LITERATURE: ;As agriculture forms the backbone of the Indian economy; The Government of India recognized the ;importance of free flow of credit to agriculture and allied sectors. Sharma (1967) stated that for agricultural ;development; credit is an important input which ensures adequate working capital as well as infrastructural ;development. Adequate credit increases the agricultural output. Agricultural credit and agricultural ;development goes by hand in hand; hence the farmer should be provided adequate and cheap credit (Dutta ;and Sundaram; 2005). It is supported by Kanthimathinadhan (2005) and suggested that without cheap credit ;is not possible for small and marginal farmers to survive. Shetty (2004) and Shivaloganathan suggested in ;their work that better institutional credit facilities is highly essential for agricultural growth. Shivaloganathan ;suggested multi-agency approach in order to fill gap between supply and need of credit in agricultural sector. ;Pathania (1987) analyzed the utilization of cooperative credit in agricultural sector and concluded that with ;the proper utilization of Cooperative credit the farmers can increase their productivity. It was strongly ;supported by Sharma (1989); Modi and Rai (1993); Sathey (1996) and Patnaik (1999). Mamoria and ;Tripathy (2003) rightly stated that the agricultural output and efficiency largely depened upon the inputs ;applied and methods adopted. B.Subrahmanyam (2005) viewed that Cooperative rural credit delivery system ;has been farmer-friendly and has out reached to serve agriculture. Calvert (1996) aptly argued that ;Cooperative credit is the practical alternative to usury. Subbaiah & Selvakumar (2005) observed that the ;institutional finance to agriculture which has contributed 22.1 % of GDP in 2002-03. He also found that the ;Government has estimated the credit flow from all lending institutions for the year 20003-04 at Rs. 80000 ;crores and has planned to enhance the level of flow to Rs. 105000 crores for the year 2004-05 which ;represents an increase of 30 % over the previous year. Vilasrao Deshmukh (2005) said that the Cooperatives ;in India account for more than half of industrial finance advanced to agriculture and one-fifth of private ;capital formation. Sharma (2005) observed that an Advisory Committee on Rural credit was constituted by ;the RBI to accelerate the flow of credit to the agricultural sector. It had been proposed that co-operatives
