Productivity of Rural Credit A Review of Issues and some农村信用社生产力的回顾与若干问题.pptVIP

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Productivity of Rural Credit A Review of Issues and some农村信用社生产力的回顾与若干问题.ppt

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Productivity of Rural Credit A Review of Issues and some农村信用社生产力的回顾与若干问题

Productivity of Rural Credit: A Review of Issues and some Recent Literature M S Sriram Indian Institute of Management Ahmedabad Introduction Policy Assumptions: The most significant policy intervention has to be made in agriculture in rural India Credit is important and has a causal relation with productivity – both in agriculture and non farm sectors Opening up the supply of credit is desirable Cost of credit is critical and needs to be regulated Causality is elusive Credit is a sub component of inputs that go into agriculture Data on credit is available largely for the formal segment Diversity across crops, regions and practices makes it difficult to undertake such an exercise on a nationwide basis Recent Literature Burgess and Pandey: Opening of bank branches in unbanked areas [and thus increased supply of formal credit] has helped to reduce poverty. Impacts on poverty might have come from non-agricultural sector No evidence of elite capture with bank loans agricultural loans disbursed across all land holding segments prior to 90s Microfinance has not been successful in reaching real backward areas Recent literature Vaidyanathan: Increased credit supply [indebtedness] may not lead to increase in agricultural productivity Private capital formation without concurrent effect on economics of agriculture is worrying If credit is not appropriately directed, it might lead to deep indebtedness and distress Focus on public capital formation and infrastructure to address the problem of productivity Recent literature Rakesh Mohan: Growth in formal agricultural credit has slowed down, but should not be a cause for worry Credit to be seen more as a proportion of Agricultural GDP that as a proportion of overall supply of credit Is there increase in value of output? Is credit the reason? Is Agriculture Profitable? Not very profitable in general Profitability figures vary widely across states Income from cultivation Rs.949 per month across the country States like Jharkh