Questionnaire

A STUDY OF AGRICULTURAL CREDIT TO THE BENEFICIARIES OF THE

PRIMARY CO-OPERATIVE AGRICULTURAL AND RURAL DEVELOPMENT BANKS
IN DAVANAGERE DISTRICT-KARNATAKA

INTERVIEW SCHEDULE FOR THE BENEFICIARIES

1. Name of the Beneficiary :

2. Address :

3. Age :

4. Sex : Male Female

5. Community : SC ST BC GENERAL(FC)

6. Educational Qualification : Illiterate Primary High School

Graduate Post Graduate

Others

7. No. of members in the family :

8. No of earning members in the family :

9. Occupation : Primary Secondary

10. Annual Income from : Agriculture `

Diversified activities `

House Property `

Business `

Any other(specify) `

11. Household Expenses per month :

12. Savings :
13. a. Properties owned : Acres Value (`)

I. Land – Dry

II. Land – Wet

III. Building

IV. Others (Specify)

14. Under which category you belong

I. Marginal Farmer

II. Small Farmer

III. Medium Farmer

IV. Large Farmer

15. Distance to the bank …… kms

16. Number of Years of experience in agriculture ……… Years

17. Are you member of : i) Any other Co-operative Society ii) Political Party

iii) Local administration iv) Voluntary organization

v) Religious organization vi) Others (Specify)

18. How many acres of land cultivated? :

19. What method of cultivation is adopted? : i) Traditional ii) Modern

20. Type of crops cultivated : i) Major Crop ii) Minor Crop

21. Have you undergone any special : i) Cultivation ii) Irrigation

training for the following? iii) Diversified activities iv) Usage of equipment

v) Any Other (Specify)

22. How many Labourers work in :

your farm?

23. How much is spent towards wages :

per lab our / month?

24. Purpose of loan : i) Minor irrigation/Land Development

ii) Farm mechanization

iii) Diversified activities

iv) Sericulture Development

v) Horticulture/Plantation

vi) Rural Housing

vii) General schemes

25. State the amount of loan borrowed : Long term (`)

from i) PCARDB

ii) Commercial Bank

iii) Other Co-Operative Societies

iv) Money lenders

v) Others (Specify)

26. Loan details : Long term (`)

i) Loan applied

ii) Loan sanctioned

iii) Loan repaid

iv) Loan utilized for the purpose

27. Term of loan : i) Less than 5 Years

ii) 5 to 10 Years

iii) Above 10 Years

28. Is the loan sufficient for the purpose?: i) Not Sufficient

ii) Partially Sufficient

iii) Fully Sufficient

29. i) When do you repay the loan? : i) Before Due Date

ii) After Due Date

30) ii) Are you a regular repayer :

of loan/defaulter?

31. Advances received purpose-wise :`

i) Minor irrigation/Land Development

ii) Farm mechanization

iii) Diversified activities

iv) Sericulture Development

v) Horticulture/Plantation

vi) Rural Housing

vii) General schemes

32. Obtaining of loan records : i) Easy and inexpensive

ii) Difficult and costly

iii) Very Difficult and costly

33. Procedure of getting loan from the : i) Easy

bank ii) Moderate

iii) Difficult

34. Ovedues purpose-wise :`

i) Minor irrigation/Land Development

ii) Farm mechanization

iii) Diversified activities

iv) Sericulture Development

v) Horticulture/Plantation

vi) Rural Housing

vii) General schemes

35. State the period of overdue : …………

36. Recovery of loan : i) Liberal

ii) Strict

iii) Very Strict

37. Causes for overdue : i) Monsoon failure

ii) High input cost

iii) Low demand for agricultural produce

iv) Government policy

v) Others (Specify)
 38. Please state how the following factors have affected your utilization of credit facilities
Very Very
Least Some Great
Factors least Great
extent extent extent
extent extent
Drought
Inferior quality of
input
Market conditions
Sanctioning the loan
Social factors
Sickness
Weather condition

39. Please state your opinion about the following

Highly
Not No Highly
Factors Not Satisfied
Satisfied Opinion Satisfied
Satisfied
Repayment of loan installment
Agricultural income
Benefits by way of subsidy
Benefits by way of agricultural
implements
Cattle / crop insurance
Drought advance
Continuous employment
Penal interest waive

40. Effect of utilization of Credit facilities

Factors Before After Utilization
Utilization
No. of labourers
Agricultural Income (`)
Assets (Hose, Land etc) (`)
Business income (`)
Other Assets (Tractor, Pumpset, etc.,)
(`)
Savings (`)
Debt (`)

41. Rank the following problems in borrowing : i) Rigid loan procedure

from the bank ii) Delay in loan sanctioning

iii) High rate of interest

 iv) High value of security

v) Bank official’s partiality

vi) Insufficient period of loan

vii) Any other (Specify)

42. How do you rank the services of PCARDB : i) Very good

ii) Good

iii) Average

iv) Bad

v) Very Bad

43. Suggestions to improve PCARDB : i) Flexibility in loan procedure

ii) Interest waiver

iii) Equipment subsidy

iv) Efficiency in Management

v) Extension of period of loan

vi) Attitude of bank officials

vii) Insurance factor

viii) Adequate security only

ix) Any other