Economic impact of agricultural credit-lead technology on asset position and yield– a case study of borrowed farmers in eastern dry zone of Karnataka

The study was undertaken in Chikkaballapura district located in eastern dry zone of Karnataka to assess socio-economic characters, asset position, mechanization and yield gaps of credit borrower and non-borrower farmers (NBF). The borrower farmers (BF) had higher cropping intensity (118.73%) than that of NBF (108.90%). The income distribution of the sample farmers revealed that the major contributor of income for BF was average crop income (73.00%) which was followed by non-farm income (14.63%) and livestock income (12.37%). In NBF it was observed that the crop income constituted (61.98%) of the total followed by non-farm (22.18%) and non-farm (17.83%). There was variation in yield of crops due to lag in transfer of technologies and difference in adoption of technology by farmers. However the yield gaps lesser in BF than the NBF may be called as the ‘management gap’. This would call for strengthening of extension efforts to disseminate technologies to the farmers besides strengthening input marketing structure for the supply of needed farm inputs including credit so that farmers would use them at appropriate time.