SCHOOL OF AGRI-BUSINESS MANAGEMENT “YOUNG AGRI-NURTURING BUSINESS PROFESSIONALS FOR EVERGREEN GROWTH”

Sher-e-Kashmir University of Agricultural Sciences and Technology of Jammu

Topic:-Agri Finance problems

COURSE TITLE : AGRIBUSINESS ENVIRONMENTCOURSE NO : ABM 512COURSE INSTRUCTOR:Dr. Anil Bhat

Prepared By:

Ankita Choudhary

What is agricultural finance?

&Why is it so important?

Reason #1

Poverty

Food security

Reason #2

Drought

War and Conflicts

Reason #3

And capacity

Lacking Infrastructure

Reason #4 Producing, But Lacking Scale

Problem #1 Coverage is limited so farmers are intended to depend upon money lenders.

money lender

-Mother India

Problem #2 Number of formalities are to be completed to avail credit facilities.

Form 1A

Form 3C

Form 18B

Form 17F

Form 3L

Confused

…..????

Problem #3 Lack of Co-ordination between

&

Co-operative Bank Commercial Bank

Problem #4 Many offices are managed by inefficient and incapable persons.

Problem #5 Misutilisation of Loans

Problem #6 Regional Imbalances

Gujarat MHAPPanjabTamil Nadu

Other states

52%

Agriculture loan availability

Problem #7 Large amount of the total creditFacilities are pocketed by rich farmers.

Big fish

Small fish

• Problem #8 : Repayment capacity

• Problem #9: Tiny and UnEconomic Holding

• Problem #9: Illiteracy and Unawareness of the various sources among the farmers.

Agri-Financing for a better future……

Thank you……