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RURAL DEVELOPMENT (Rural Credit- credit for farming
lifeline of farming…
RURAL DEVELOPMENT
Rural Credit- credit for farming
lifeline of farming activities 1. most farming families are small and 2. the gestation lag b/w sowing and harvesting is long
SHORT TERM CREDIT
fertilizer, insecticide and pesticides
6 to 12 mths
-
MEDIUM TERM CREDIT
machinery, fences and wells
12 mths to 5 yrs
SOURCES OF RURAL CREDIT
- institutional
- non-institutional
NON-INSTITUTIONAL SOURCES
landlords, village traders and money lenders
93% of all borrowing - FFP I
INSTITUTIONAL SOURCES
govt, coops, commercial banks and regional rural banks
-
-
INSTITUTIONAL CREDIT
- coops
- SBI
- RRBs and Land dev banks
- NABARD
- KCC
- SHGs
Agricultural Marketing
activities and process included which help the farmer get the best price for his sale
regulations -- distress sale [ compelled to sell produce]
MEASURES
- regulated markets
- Coops
- provision of warehouse facilities
- subsidized transport
- dissemination of info
- MSP policy
alternative marketing channels
(direct sale to the consumers)
big bazar, apni mandi, rythu bazar, uzhavar sundies
AGRICULTURAL DIVERSIFICATION
re-allocation of some of farm's productive resources to new activities or crops reduces market risk
EMPLOYMENT OUTSIDE AGRICULTURE
- Animal husbandry
- fisheries
- horticulture
- cottage and household industry
- IT