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Abstract
Primary Agricultural Credit Societies (PACS) provide loans to the farmers in villages. Primary Agriculture Cooperative Societies (PACS) are also known as “Mini Banks” or “Rural Credit Banks”. They provide short-term and medium-term loan to its members and the farmers. Primary Agricultural Co-operative Societies are providing agricultural credit to farmers for agricultural inputs like-seeds, fertilizers, pesticides and also provide facilities for marketing of agricultural produce. The study highlighted the major problems faced by farmers while accessing credit through Primary Agricultural Credit Societies. In this study the respondents were asked to rank the problems based on their perception on various dimensions from high level of suffering to the lowest level. Five point Likert scale was used to ascertain the exact position of difficulties faced by the selected sample respondents. The study found that majority of farmers has issue of high rate of interest having Mean score 4.26 of 100 farmers on likert-scale. Non availability of sufficient loan also observed as second major problem with Mean score 4.10 followed by stress of repayment and more beneficial to large farmers with mean value 3.97 and 3.45 respectively. Bad behaviour of the society members and inadequate staff is reported as least problem with same mean score 1.09.