Impact Analysis of Credit Utilization through Co-operative Society

Credit utilization is the amount of purchasing power you have calculated as the total credit available divided by the total debt. The study evaluated agricultural credit utilization by cooperative Society in Bhind District. Data were collected from randomly sampled Agricultural Cooperative societies from 12 villages of selected area by using a structured questionnaire. The result of study showed that majority of the farmers (47.50%) is within the age bracket of active work (i.e. Complete Utilization) and therefore can make meaningful impact in agricultural production when motivated with the needed credit facilities. Majority of respondents benefiting from credit utilization through co-operative societies and there is significant relation between personal and socio economic traits i.e. education, social participation, occupation, size of land holding etc. and credit utilization but caste is not significant relationship between personal and socio economic traits and credit utilization.