Impact of financing/credit sources on marketing of apple in Jammu and Kashmir

The purpose of present research is to explain the role of credit source in marketing of apple in Jammu & Kashmir and the research is carried out in apple producing districts of Jammu and Kashmir by selecting respondents through multi-stage sampling design. Various financing/credit sources as well as marketing channels were evaluated and opinions of peasants related to impact of credit on choice of marketing channel were evaluated by using mean and percentile methods.

Results of the study shows that choice exercised by peasants in selecting a particular marketing channel and location depends on the nature of contract signed by peasants while raising the credit for effective farming. It is the credit providing player/source who exercises the choice in selecting the selling location ad channel. Further, the flexibility related to marketing and peasant's contact with market is more where the financers are institutional sources. The possible limitations of the study are that data includes only five districts of Jammu & Kashmir and study is confined to apple financing schemes and sources, so results may not always fully generalize to all regions of India, for all situations.