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The Effect of Zarai Taraqiati Bank in Enhacing Farm Productivity through Agricultural Credit - A Case Study of District Lakki Marwat, KPK-Pakistan

Author Affiliations

  • 1Social Sciences Research Institute, (NARC), Islamabad, PAKISTAN
  • 2Faculty of Rural Social Sciences, Khyber Pakhtunkhwa Agricultural University, Peshawar, PAKISTAN
  • 3Social Sciences Research Institute, (NARC), Islamabad, PAKISTAN
  • 4Social Sciences Research Institute, (NARC), Islamabad, PAKISTAN
  • 5Social Sciences Research Institute, (NARC), Islamabad, PAKISTAN
  • 6Social Sciences Research Institute, (NARC), Islamabad, PAKISTAN

Res. J. Agriculture & Forestry Sci., Volume 1, Issue (8), Pages 1-4, September,8 (2013)

Abstract

This study was deliberate to observe the outcome and utilization of credit advanced by Zarai Taraqiati Bank Limited. To ensure the Socio-economic conditions of farmers in Lakki Marwat district, a total of 100 respondents were selected from purposively selected villages. The 100 respondents were divided into half and the 50 respondents were the beneficiaries of ZTBL and 50 respondents were the non-beneficiaries. To match up and evaluate the production and income of beneficiaries with non-beneficiaries an independent sample t-test was used. The results show that only (12%) of the beneficiaries respondents have utilized credit for the right purpose while the majority of them (i.e. 88%) have utilized credit for mixed purposes like for agriculture purpose, household expenditures, marriages and for reconciliation purposes. The results also specify that credit has no positive effect on production and income of the farmers in the area. However, those who utilized the credit for the desired purpose have better production and income than others. However this increase in production and income is not significant. The high interest rate, delay in credit disbursement and lengthy procedure of getting credit from the bank is one of the main problem.

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