п»їEFFECTIVENESS OF CROP MORTGAGE PROVIDED BY BANGLADESH KRISHI BANK(BKB) IN A SELECTED AREA OF KALIA UPAZILA Section 5
SOCIO-ECONOMIC CHARACTERICS FROM THE RESPONDENTS
Bangladesh is the 80 largest country in the world relating to inhabitants but in the economic perspective, it is among the poorest countries in the world. Persons differ from one other in many respects. Patterns of an person is largely dependant on his/her attributes.
Socio-economic qualities of the credit seekers may offer an important bearing on the receipt of bank loan from the institutional sources. Therefore , an attempt continues to be made here to investigate in some of important as well while relevant socio-economic characteristics in the sampled consumers. These are size and composition of the relatives, land ownership pattern, education level, career of the selected borrowers, income expenditure etc .
One the foundation of terrain ownership, the sampled maqui berry farmers have been classified into 3(three) categories upon groups in today's study. You will discover: a) Tiny farmers having land beneath 2 . 55 acres;
b) Medium farmer having terrain within the selection of 2 . 5 acres to 5. 00 miles; and c) Large character having and exceeding your five. 00 miles and subsequent discussion will be made consequently.
5. you Distribution of Sample Farmers
Farmers have already been categorized in three groupings farmers having land under 2 . 55 acres have already been considered as small farmers. Those who owned terrain from installment payments on your 50 to five. 00 acres have been grouped as channel farmers while the farmers having land a lot more than 5. 00 acres had been considered as large farmers.
Table 5. one particular indicates that out of total sixty sample maqui berry farmers 54 percent were small , 33 percent were channel and the significant farmers comprised only of 13 per cent. Sample farmers were observed to be quite definitely higher than the ones from the large one signifying the common picture of Bangladesh.
Table 5. one particular Distribution of sample maqui berry farmers according to farm size Farm size (acre)
Number of maqui berry farmers
Tiny (Below 2 . 5 acres)
Method (2. 55 to 5. 00 acres)
Large (Above 5. 00 acres)
Source: Discipline Survey, 2009
5. two Size of Farm Family and It is Composition
A family group in the present study has been thought as a group of individuals living with each other, taking foods from an individual kitchen and living under the control of one head. If perhaps any person(s) of a is employed exterior but consider meals in the same home while at residence and stocks and shares the income and costs of the family members. They have been thought to be the family members. The size of the family related positively with farm size in present study. Actual estimates had been 4. 56, 5. 82 and several. 05 folks for small , and medium and large farms respectively (Table your five. 2).
Sex distribution demonstrates the male people were discovered more than female ones present in the friends and family during the examine period. Channel aged between 15 to 57 years were located to be the dominant (54. 98 per cent) implying more active populace in the chosen families irrespective farm size categories during the year.
5. a few Earning Affiliate and Dependency Ratio with the Farm People Each and every is nationally consisting of both cash flow earners and dependents. Normal earning member was discovered 1 . 71 persons. Table 5. several show that the average member was found to be 1 ) 5, 1 ) 90 and 2 . 15 persons intended for small , method and large plantation families respectively. It appears through the same table that the habbit ratio pertaining to larger farmers is higher than those of the small and method farmers. The dependency rate, on an normal was located to be 3. 11. This was almost the same for small , and medium farms while large farms offers higher addiction ratio becoming about a few. 35 during the study (Table 5. 3). Earning members as well as addiction ratio in the study villages relates favorably with farm size types.
Table your five. 2 Friends and family composition and average family size of the farmer...
Referrals: Ahmed, Farreneheit. (1992). A Study on Adequacy of Plants Loans Provided under the passbook System: An instance Study of Some Little Farmers. M. S. Thesis Department of Agricultural Financial, BAU, Mymensingh.
Ahmed, M. F. (1980). Some areas of Agricultural credit in Bangladesh. Bureau of Business Analysis, University.
Akhter, S. (2003). A study upon Food Wheat Self Adequacy and Meals Security in Bangladesh: Achievements and potential customers, M. H. in Agricultural Economics (Finance), Department of Agricultural Financing, BAU, Mymensigh.
Alam, M. N
Alam, M. S. (2006) Use Design and Repayment of Mortgage provided by the BKB within a Selected Part of Jamalpur District. M. S. Thesis, Division of Agricultural Finance, BAU, Mymensingh.
Arene, C. T. (1993). Financial loan Repayment and Technical Assistance Among Little Holder Maize Farmers in Nigeria, Rural Development Abstracts, 16(3): 265.
Bangladesh Krishi Bank (2006). Annual Statement 2005-2006, Dhaka.
Banglapedia (2003): National Encyclopedia of Bangladesh, Vol. two, 5 and 6, Asiatic Society of Bangladesh, Dhaka, Bangladesh.
Bashar, M. A. and M. F. Alam (1985). Structural Changes of Rural Credit Over Time in Two Town of Bangladesh. The Bangladesh Journal of Agricultural Economics, Vol. almost 8 no . 2 .
BBS (1986). Small Area Atlas of Bangladesh. Motizas and Mahallashs of Sunamgonj District. Bangladesh Bureau of Statistics. Statistics Division, Ministry of Planning Government with the Peoples Republic of Bangladesh, Dhaka.
BBS (2006). Census of Cultivation, Bangladesh Bureau of Stats, Statistics Split, Ministry of Planning. Authorities of the Individuals Republic of Bangladesh, Dhaka.
Dasjenige, B. M
MOF (2008): Bangladesh Financial Review, Monetary Division, Ministry of Fund, Dhaka.
Haque, M. M
Hossain, M. A. (1983). Purchase Pattern and Utilization of Money by Player, A Case Study in Mymensingh District. M. S. in Agricultural Economics (Finance), Section of Farming Finance, Section Agricultural Fund, BAU, Mymensingh.
Hossain, M. A. (1999). A Study within the Availability, Usage and Repayment of Potato production Mortgage in a Selected Area of Munshigonj District. Meters. S. in Agricultural Economics (Finance), Office of Agricultural Finance, BAU, Mymensingh.
Islam, A. F. M
Jahan, A. A. (2004). A study within the extent make use of patterns and repayment of farm credit rating extended by BKB in a selected area of Jamalpur District. M. H. Thesis, Section of Agricultural Finance. Bangladesh Agricultural University, Mymensingh.
Mahfuz, M. E. D. (1990). Small Farmers Behaviour on Agricultural Credit. M. S i9000. in Agricultural Economics (Finance), Department of Agricultural Fund, BAU, Mymensingh.
Mian, M. 3rd there’s r (1996)
Parveen, S. (1999). Estimation of Demand for Agricultural Credit of Different Categories of Maqui berry farmers in a Picked Area of Bangladesh. M. S i9000. in Farming Economics (Finance), Department of Agricultural Financial, BAU, Mymensingh.
Rahman, Meters. A. (1980). Availability, Use and Repayment of Credit rating in Some Chosen Areas of Bogra District. A Cash Flow Strategy. M. T. in Gardening Economics (Finance), Department of Agricultural Financial, BAU, Mymensingh.
Rahman, Meters. A. (2001). A Comparative Study about Micro Credit Programme of the Grameen Lender (GB) and Bangladesh Krishi Bank (BKB) in a Chosen Area of Mymensingh District, MS Thesis, Section of Agricultural Finance, AROMA, Mymensingh.
Raquib, A. (1994). " Farming loan recovery problem in BangladeshвЂќ An Article posted in The Diary of Start of Brokers, Bangladesh, Volume. 34 & 35 (December 1991 & June 1992).
Roy, A. K. (2000). Effectiveness of Seasonal Crop Loan Furnished by the Grameen Bank within a Selected Part of Pirojpur District, Unpublished Meters. S. Thesis, Department of Agricultural Finance, BAU, Mymensingh.
Roy, G. K. (1987). Utilization of Gardening Credit, Financial institution Parikrama, Volume. 3. Number 1 .
Saha, E. K
Yeasmin, H. (2004). Effects of Grameen Bank (GB) Credit Extended to Countryside Women and Interpersonal Empowerment all their in a Chosen Area of Comilla District, Unpublished M. S i9000. Thesis, Office of Gardening Finance, BAU, Mymensingh.