“An Empirical Study on the Impact of Kisan Credit Card Scheme in the light of Rural Credit.”

Abstract

Credit availability is the crucial input for improving the performance and productivity of the agriculture sector. The main objective of this study is to know the Issues and challenges before the adoption of KCC Scheme by farmer households and how much this scheme succeed in resolving the previous issues and challenges.

The research design used in the present study was Descriptive & Exploratory in nature which aims to find out the sources of finance before and after the adoption of KCC Scheme opted by farmer households for availing the credit to fulfill the capital requirement of agriculture and activities allied to agriculture. The structured Interview Schedule was used for collecting the primary data. In the present research, Stratified Random Sampling technique is used which comes under probability sampling techniques.

The present study reveals significant positive change in preference of source of credit after the adoption of KCC Scheme with medium effect. The beneficiary farmers shifted from Non-Institutional to Institutional sources of credit after the adoption of KCC Scheme. The schemes like Kisan Credit Card changed the scenario of rural credit in India.

This study will be significantly important in taking necessary measures for effective distribution of KCC scheme.