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Asian Journal of Management
Year : 2019, Volume : 10, Issue : 4
First page : ( 368) Last page : ( 376)
Print ISSN : 0976-495X. Online ISSN : 2321-5763.
Article DOI : 10.5958/2321-5763.2019.00056.8

A Study on farmers Financial Wellbeing and credit risk Associated with the Agro Credit

Keshappa K.1,*, Usha JC2

1Student of MBA in Financial Management, Faculty of Management and Commerce, Ramaiah University of Applied Sciences, Bengaluru

2Associate Professor, Financial Management, Faculty of Commerce, Ramaiah University of Applied Sciences, Bengaluru, usha.ms.mc@msruas.ac.in

*Corresponding Author E-mail: keshavdaya0710@gmail.com

Online published on 3 February, 2020.


Agriculture plays a key role in the overall economic and social well-being of our country. More than half of the workforce of the country are engaged in farming activities. It is farmers who supplies the food and nutrition to the entire nation. They also provide livelihood to millions of people in the country. Farmers financial wellbeing refers to achieving asset holding, expectation of future income and economic status of households are the dependent variables. The study was conducted in Belagavi, Karnataka by collecting 200 samples of primary data through face to face questionnaire survey. The aim is to study the factors influencing farmers credit risk and its impact on financial wellbeing. Majority of authors have given their research on various funding sources of agricultural credit, but here we are discussing the factors and variables which are directly influencing the farmers financial wellbeing. Path coefficient model tells about significance level of participation of MGNERGS, social capital, availability of funds, agricultural subsidies, productivity of crops and failure of irrigation system to farmers financial wellbeing. For the present study, the factors influencing farmers financial wellbeing have been classified into socio-economic, agro-credit and physical factors. The study has used SPSS software for discussing descriptive statistics and SmartPLS for structural modelling equation through partial least square method. The results found that asset holding, expectation of future income and economic status of the households are some of the important variables influencing the farmers financial wellbeing. Without agricultural subsidies also farmers can improve their economic status, they are expecting proper irrigation system and financial assistance from government.



Farmers wellbeing, Asset holding, Expectation of future income, Economic status of household.


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