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Summary No-43
Profile of the Student:
Name: Nidhi Dubey
Degree Programme: MBA (Agri-business)
University/ Institute: BIRSA Agricultural University, Ranchi
Profile of the Mentor:
Name: A. K. Sarangi
Designation: DGM
Department: SPD, DOR, NABCONS, FAD & DEAR
Name of Regional Office: Jharkhand (Ranchi)
Objectives of the Study:
• To study the trend of institutional credit flow under agriculture & allied sectors in the state of
Jharkhand.
• To highlight the contribution and performance of different types of credit institutions under various
schemes in dispensation of agriculture credit in the state.
• To understand important developmental and credit programmes pertaining agriculture development
and access the scope of credit through these programmes.
• To study the gap between the potential for and actual flow of agricultural credit in the state together
with the factors attributable for it.
• To understand the customers’ issues and other bottlenecks coming in the way of smooth availability
of agriculture credit at ground level.
• To analyze the flow of credit district-wise/ region-wise.
• To highlight the flow of term loan under government sponsored schemes.
• To provide suggestions, relating to probable strategies and linkages / support services needed for
bringing about desired improvement in ground level credit flow under agriculture sector.
Sample State/ Dist/ Block/ Villages: Badkagaon (10 farmers), Lesliganj (20 farmers), Armadag (10
farmers) & Koh (10 farmers) villages of Hazaribagh, Palamau, Ramgarh & Bokaro districts respectively
of Jharkhand.
Sample size: 70 (Farmers-50; Bankers-13; DIF-01; GoJ-01; DDM / LDM-04 & SLBC-01)
Research Methodology:
PrimaryData : Redesigned structured schedule for farmers, Line deptt, Banks, SLBC, DIF andDirectorate
of Agriculture (GoJ). Semi-structured interactions with LDMs, DDMs and farmers. Secondary Data:
NABARD State Focus Paper, SLBC Agenda, Articles and Research Papers & Internet source (Wikipedia)
Data analysis – Data has been prepared in tabular and pictorial form (like Bar diagram, pie chart, etc).
Average, percentage, etc. were used for analysis of data.
