Author(s):

Amit Kumar Keshri, Dr. Dipak Kumar Bose, Dr. Hanuman Ram, Rishi Dewedi and Hemant Kumar Jhingonia

Abstract: The Kisan Credit Card used for the short term credit requirements for cultivation of crops, consumption requirements of farmer household, working capital for maintenance of farm assets and of activities allied agriculture like dairy animals, inland fishery and investment credit requirement for agriculture and allied activities like pump sets, sprayers, dairy animals etc. The present investigation was conducted in Bikaner Tehsil of Bikaner district of Rajasthan. Due to its maximum uses. One hundred fifty farmers (75 KCC holders and 75 Non- KCC holders) were selected from ten villages through probability proportionate procedure (in case of KCC holders, similar number of Non- KCC holders from each village). Data were collected by pre tested interview schedule. KCC holders and Non-KCC holders were highly aware of about “defaulter” with 73.11 and 18.44 MPS respectively. The farmers of both KCC and Non-KCC holders the groups were highly aware of defaulter, repaying, registration prerequisities with respective MPS of 45.78, 39.44 and 33.61. To arrive at specific inferences, various statistical measures viz., ‘z’ test‘t’ test and Spearman’s rank correlation test were used. Among four categories of Awareness, defaulter were perceived with highest intensity followed by registration, loaning, repaying, purpose of credit.

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