| Author | Ahmed, Muhammad Ijaz |
| Call Number | AIT Thesis no.HS-94-06 |
| Subject(s) | Rural credit--Pakistan
|
| Note | A thesis submitted in partial fulfillment of the requirements for the award of the degree of Master
of Science, School of Engineering and Technology |
| Publisher | Asian Institute of Technology |
| Series Statement | Thesis ; no. HS-94-06 |
| Abstract | In Pakistan almost every government has realized the need for developing agriculture sector
because this dominating sector adds about 22 percent to the Gross National Product (Economic
Survey, 1994) and accommodates about 70 percent of the rural population. A wide range of
agricultural development strategies have been implemented for the welfare of the farmers and
improvement of the farm yields but the low profitability in the goods they produce could hardly
allow them to save sufficiently after meeting the household obligations for investing back in
agriculture.
The external financing have ever been emphasized to make up this deficiency but despite
huge capital distribution among the fa1mers the gains are much below the desired levels. The
reason partly can be explained in terms of capital provision only for agricultural purposes. The
farmers order agriculture after the household needs.
The flaw in external finance planning for agriculture is the neglect of the farmers' priority
order. Loans are provided only for agriculture through institutional sources ignoring the
consumption needs which partly are used to meet the household obligations. In order to draw the
attention of the policy making authorities to this crucially important aspect the present study was
undertaken.
The overall objective was to identify the credit demand/ supply gap between the progressive
and the traditional farmers by analyzing the cash receipts, credit accessibility and it's productivity
on progressive and the traditional (getting lower per acre yields) farms and ultimately suggesting
additional amount of capital needed on different categories of fa1ms in District Toba Tek Singh
to raise the productivity of the traditional farms to the progressive fa1ms' level.
A big gap has been identified in the investment potential of the upper cohort (progressive)
and the lower cohort (traditional) farmers. Main cause is the lower productivity levels on the
lower coho1t farms perpetuated by adoption of less profitable farm enterp1ise combination and
limited access to reliable sources of credit (Agricultural Development Bank of Pakistan).
Farmers tendency towards uncertain and insufficient informal credit is proposed to be checked
by decentralizing ADBPs credit distribution and recovery system incorporating informal sector
contents in it's planning. |
| Year | 1994 |
| Corresponding Series Added Entry | Asian Institute of Technology. Thesis ; no. HS-94-06 |
| Type | Thesis |
| School | School of Engineering and Technology (SET) |
| Department | Department of Civil and Infrastucture Engineering (DCIE) |
| Academic Program/FoS | Human Settlement (HS) |
| Chairperson(s) | Demaine, Harvey |
| Examination Committee(s) | Weber, Karl E. ;Whitney, Joseph B. R.
|
| Scholarship Donor(s) | Asian Development Bank; |
| Degree | Thesis (M.Sc.) - Asian Institute of Technology, 1994 |