Constraints Faced by the Users and Non-Users of Kisan Credit Card Scheme in Deoghar District of Jharkhand

Lack of access to finance is a key impediment to farmers in improving the efficiency of their productions and adopting better technologies. Credit not only plays a pivotal role in not only increasing agricultural production but also in improving the standard of living especially for farmers. Hence the present study was undertaken to find out the constraint encountered by the users and reasons of non adoption by non users of Kisan Credit Card scheme. The present study was conducted in Deoghar block of Deoghar district in Jharkhand. Purposive sampling was followed for the selection of one hundred and twenty respondents, dividing them into two groups of the users and non users of KCC Scheme. Pre-structured interview schedule was used to collect the data, collected data were converted in a tabular form to draw conclusion. The study inferred that family higher expenses was the major constraint ranked first by 46.66% of the users followed by 40 per cent who ranked insufficient savings as second and crop failure was ranked third by 36.66 per cent. The process of loan being a lengthy paper work was the major reason ranked first by 48.33 per cent non users followed by delay in loaning ranked second by 46.66 per cent and uncertainty of monsoon ranked third by 45 per cent.