PJB-2020-375
STUDY OF THE IMPACT OF MICRO FINANCE ON AGRICULTURE DEVELOPMENT IN DISTRICT JAFFARABBAD, BALOCHISTAN
Abdul Sattar Khetran
Abstract
The study was conducted in District Jaffarabbad Balochistan through survey method. Respondents from the area were selected with the help random sampling techniques. Sample of 8 dehs were selected. From each deh least ten respondents were selected who obtained loans. Thus a sample of eight respondents 80 from each deh/village) was randomly selected. The list of all dehs and respondent was obtained from the office of ZTBL Branch. All respondents were interviewed personally by researcher. All such necessary information was gathered and recorded on the well structured questionnaire. The findings of present study shows that majority of the farmers/respondents (50.00%) were in the age limit between 31-40 years. The majority of respondents (36.25%) can only reach the elementary school. The results shows that 28.75 percent of respondents landholding has up to 30 acres, while and same percentage (28.75%) of the farmers reported land holding upto 20 acres. Land tenure system of sample respondents were examined and found that most samples of the respondents (64 %) were in absentia training load (zamindar). Samples were analyzed farmers' income respondents we found that the majority of respondents (34 %) had 45,000 farmer income of 60, 000 per acre. Respondents (47.50%), 11-20 year-old range farming experience most people ; the majority of the respondents ( 35.72% ) obtained credit the range of Rs. 40,001-50,000 range and 33.92 percent obtained loans of Rs. 50,001-80,000. Data show that in corn, a significant increase in wheat, gram and rice production. The results justify the use of loans for the purpose of acquisition. It seems, the borrower has to use loans to develop land and crops, vegetables and fruit production. The farmers were enquired whether they had any difficulty in getting credit facility from the government institutions or banks, the farmers who expressed their difficulties were further enquired to explain the difficulties. It was observed that 51.25 % considered that procedures of credit are complicated and difficult to follow, 63.75 % showed Passbook one of the difficulty/obstacle in loaning process. On the basis of research findings it is suggested recommendations that inquire about perceptions of the borrowers in obtaining credit from ZTBL. Although almost all of the validity of credit borrowers complain that the interest rate charged for these loans. As subsistence farmers, they think interest rates are too high for their views. Moreover, most of them are not satisfied with the program to get agricultural credit. One reason may be that the majority of farmers have low levels of education, they can not understand and fill out a loan application form for yourself. To this end, they have to need help banks to stop or some other educated people either. Respondents also complained about the behavior of the staff of the bank.
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