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International Journal for Research Trends and Innovation
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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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| Paper Title: | RURAL INDEBTEDNESS AMONG AGRICULTURAL FARMERS WITH REFERENCE TO VELUR PANCHAYATH |
| Authors Name: | AJITH K S |
| Download E-Certificate: | Download |
| Author Reg. ID: |
IJRTI_182701
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| Published Paper Id: | IJRTI2206279 |
| Published In: | Volume 7 Issue 6, June-2022 |
| DOI: | |
| Abstract: | Indebtedness means an obligation to pay money to another party. It has been acknowledged as one of the most infamous stumbling blocks in the way of rural prosperity. Indebtedness is characterized as unproductive usage of loans, usurious engagement of the borrower, captivation of productive resources, the exercise of coercive and exploitation and social powers by the lending and er, and feeling, of guilt and helplessness. Poverty is perhaps a major cause of rural indebtedness. The low level of rural incomes and the uncertain and primitive farming of small landholdings make it impossible to meet these needs. One of the major problems concerning rural society is indebtedness. . One of the major problems concerning rural society is indebtedness. This problem is just not related to one individual but is passed on from one generation to the next generation. The study is an attempt to analyze the reason, extent, and impact of indebtedness among the farmer’s households in the Velur panchayath. The study carried out the objectives of analyzing the socio-economic condition, nature, and extent of debt and major remedial measures. Primary data were collected from randomly selected 4 wards and from 100 households. The collected data were analyzed with simple statistical tools and interpretations were made based on the analysis. From the study, it is seen that 92% of HHs were taken different types of loans for agriculture, housing, education, vehicle, gold loan, etc. their income was not sufficient to repay the loan regularly. The major reasons for the delay in repayments were crop failure, high-interest rate, unexpected loss, unorganized debt source, unproductive debt, labor problems conspicuous consumption, etc. Agricultural is a seasonal product, there is a gap between produce and harvest period. In between the harvest period they don’t have any income generates from the field. To meet their wants, they create debt or loan, this debt is burden to the family. The issue of indebtedness becomes a matter of intensive debate whenever the agricultural sector faces distress. Indebtedness should be pre-empted of the overtone of optimism. Indebtedness is not the state of being under the financial obligation undertaken on account of productive utilization of resources promoting economic achievement of borrower; rather it is state of being under the financial obligation undertaken on account of compulsion and being ensnared in the cobweb of usury. If the identified problem were rectified with suggestive measures, we have to control and limit the rural indebtedness to an extent. |
| Keywords: | Rural indebtedness, Poverty, Farmers ,Income |
| Cite Article: | "RURAL INDEBTEDNESS AMONG AGRICULTURAL FARMERS WITH REFERENCE TO VELUR PANCHAYATH", International Journal of Science & Engineering Development Research (www.ijrti.org), ISSN:2455-2631, Vol.7, Issue 6, page no.1863 - 1868, June-2022, Available :http://www.ijrti.org/papers/IJRTI2206279.pdf |
| Downloads: | 000205138 |
| ISSN: |
2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
| Publication Details: |
Published Paper ID: IJRTI2206279
Registration ID:182701
Published In: Volume 7 Issue 6, June-2022
DOI (Digital Object Identifier):
Page No: 1863 - 1868 Country: THRISSUR, KERALA, India Research Area: Social Science and Humanities Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2206279 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2206279 |
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ISSN: 2456-3315
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