The overall development of developing countries like India could be achieved mainly through the development of both farm and non-farm sectors. The activities in these sectors require both short-term loans repayable in easy instalments. The formal credit agencies like commercial Banks and primary Co-operative Agricultural Banks (PCABs) provide only short-term loans. The primary Co-operative Agriculture and Rural Development Banks (PCARDBs) provide long-term loans to undertake farm and non-farm activities. This book provides an over-view of credit market structure, an empirical analysis of the performance of PCARDBs, their profitability, long-term credit requirements, utilization and the impact of long-term credit on employment, income and repayment of loans. It also focuses the problems faced by the borrowers and also the lending institutions.
ABOUT THE AUTHOR K. Pazhani
Dr. K. Pazhani did his M.A. Degree in economics in Scott Christian College, Negercoil and M.Phil in Madurai kamaraj university, Madurai. He joined as an Assistant Professor of economics in T.D. M.N.S. College (his Alma mater), T. Kallikulam in the year 1978 and now working as reader in economics. He got his Ph.D. Degree from Manonmaniam Sundaranar University, Tirunelveli in 2000. he has published five text books and more than a dozen research articles in reputed journals and edited books. He has actively involved in research by guinding aspiring scholars.
ABOUT THE AUTHOR S. Jesi Isabella
Dr. S. Jesi Isbella did her M.Com. Degree in St. mary’s College, Tuticorin and M.Phil in Madurai Kamaraj University, Tirunelveli in 2003. She joined as an Assistant Professor of Commerce in Holy Cross College, Nagercoil in 1983 and now she is working as a reader in Commerce. She has published few research papers.
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