Zarai Tarqiati Bank Limited Credit Program Impact On Income Expenditures And Saving Of The Agricultural Community Of District Mardan-Pakistan

Credit play key role in the development of agriculture which further boost the income expenditure and saving level of agriculture community which improve the investment of the farmer in their field. Seeing to its importance the study was conducted in rural area of District Mardan. The major objectives were to see the credit program impacts on income expenditure and saving level of the beneficiaries and problems and constraints faced to credit owner in the study area. The study area consist of three tehsil namely Mardan Thakhth Bai and Katlang. On the basis of more beneficiaries two villages from each tehsil were chosen. The total beneficiaries in the study area were 260. All were selected for the study and with the help of interview schedule data were collected from the respondents. Descriptive statistics and pair t-test were used for data analysis. The results indicates mean annual income after credit Rs.618599 and before credit Rs.356767 and difference Rs. 261833 and found the result highly significant at 5 level. The annual farming income was found after program Rs.366812 and before Rs.174781 difference Rs.192031 and found highly significant at 5 level. The annual expenditure after credit was Rs.472296 and before was Rs.248296 difference Rs.224510 and found highly significant at 5 level . The annual saving after credit program was Rs.207124 and before was Rs.113439 and difference Rs.93689 and the difference found highly significant at 5. So all results show that credit has improve income expenditure and saving of the sampled farmers. Large number problems and constraints were observed by taking loan from the bank by sampled farmers. The problems and constraints faced to farmers are complication of application process non availability of loan in time amount less than requirement banks on more distance high interest rate and non availability of collateral etc. On the basis of problems few recommendations were suggested for solution of problems .One window operation for loan provision is requested on low interest rate loan should be provided to farming community and according to requirement of the farmer banks facilities should be multiplied banks staff cooperation is requested monitoring cell should be promoted for check and balance for enhancing income level of the farmers in the study area.