IMPACT OF ZTBL MICROCREDIT SCHEME ON WHEAT PRODUCTION IN DISTRICT RAWALPINDI
224790033845500
CONTENTS
Chapter
Page
List of contents
Abbreviations
List of tables
Acknowledgements
1
INTRODUCTION
1
1.1
Background of the study
1
1.2
Statement of the problem
4
1.3
Objectives
5
1.3.1
General objectives
5
1.3.2
Specific objectives
5
1.4
Significance of the study
5
1.5
Definition of terms
6
2
LITERATURE REVIEW
7
2.1
Introduction
2.2
Microcredit and microfinance
7
2.3
Microcredit needs by various farmers
9
2.4
Structure of agricultural credit system in Pakistan
11
2.5
Introduction of Zarai Tariqiati Bank Limited
15
3
MATERIALS AND METHODS
23
3.1
Introduction
23
3.2
Study Population
23
3.3
The Sample for the study
23
3.4
Data Collection
24
3.4.1
Preparation of the interview schedule
24
3.4.2
Pre-testing
24
3.5
Analysis of the Data
24
4
RESULTS AND DISCUSSIONS
25
4.1
Demographic characteristics of the respondents
25
4.1.1
Education
26
4.1.2
Land ownership
27
4.1.3
Marital status
28
4.1.4
Family size
29
4.1.5
Type of loan obtained
29
4.2
Awareness of microcredit facility
30
4.3
Availed micro credit
30
4.4
Microcredit taken from the bank
31
4.5
Amount taken from the bank
32
4.6
Interest rates paid on micro-credit
32
4.7
Purpose of loan
33
4.8
Time given to repay microcredit
34
4.9
Repayment type of microcredit
34
4.10
Improvement after getting micro-credit
35
4.11
Utilization of micro-credit
35
4.12
Household items bought before and after getting micro-credit
36
4.13
Production before credit
37
4.14
Production after credit
38
4.15
Income before credit
40
4.16
Income after credit
40
4.17
Constraints faced in accessing micro-credit
41
4.18
Reasons for poor repayment rate of microcredit
42
4.19
Decision of micro-credit
42
4.20
Benefit from micro-credit
43
4.21
Financial crisis due to high interest rates
44
4.22
Need to borrow money to repay the loan
44
4.23
Satisfaction from the services of ZTBL
45
4.24
Micro-credit from ZTBL in future life
45
4.25
Preference to other fellow farmers
45
Summary
48
Findings
49
Conclusions
53
Recommendations
54
References
56
Appendices
69
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ABBREVIATIONS/ACRONYMS
ADBL
Agricultural Development Bank Ltd
ADBP
(Agricultural Development Bank of Pakistan
AMA
Accra Metropolitan Assembly
ASCA
Accumulating Savings and Credit associations
CAD
Centre for Action and Development
CB
Commercial Banks
CIDA
Canadian International Development Agency
CIMMYT
International Maize and Wheat Improvement Centre
CLIP
Community Life Improvement Programme
FAO
Food and Agriculture Organization
GCs
Government Credits
GDP
Gross Domestic Product
IFAD
International Funds for Agriculture Development
IMF
International Monetary Fund
ISSER
Institute of Statistical, Social and Economic Research
MASLOC
Microfinance and Small Loans Centre
MCGF
Microcredit Guarantee Facility
MDG
Millennium Development Goal
MFI
Microfinance Institutions
MOFA
Ministry of Food and Agriculture
NBFI
Non-Banking Financial Institutions
NGO
Non-governmental Organizations
RCB
Rural and Community Banks
RSCA
Rotational Savings and Credit Associations
UNC…