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The Determinants of access to Agricultural credit for small and Marginal Farmers’ in Dharwad district, Karnataka, India

Author Affiliations

  • 1College of Agriculture and Natural Resources, Dilla University, ETHIOPIA
  • 2University of Agricultural Sciences, Dharwad, Karnataka, INDIA
  • 3University of Agricultural Sciences, Dharwad, Karnataka, INDIA

Res. J. Agriculture & Forestry Sci., Volume 3, Issue (5), Pages 1-5, May,8 (2015)


Access to credit generally refers to the possibility of individuals or an enterprise to access financial services from the formal sources or carrying capacity of loans from financial institutions. Accessibility is determined by the demand of clients with existing supply of credit from different banks. This study tries to find those factors which are responsible to access agricultural credit from banks by the small and marginal farmers. The age, gender, level of education, family size, landholdings, irrigation facilities, income level, marital status and occupation are considered as determinants of access to agricultural credit. Out of these variables landholdings, educational status, irrigation facilities, income level and gender are found to be the significant factors in determining the agricultural credit access of the small and marginal farmers from the banks. It was concluded that policies needs to be redirected on government-sponsored and guaranteed agricultural financing schemes that could favour the small and marginal farmers who are the major producers of food crops in India particularly in study area.


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