Figure 1.
Figure 2.
Impact of PACS credit on production of selected kharif crops (quintals per acre)Tabela 11_ Wpływ kredytów PACS na produkcję wybranych upraw kharif (w kwintalach na akr)
| Categories of farmers / Kategorie rolników | Beneficiary farmers / Rolnicy korzystający z PACS | Non-beneficiary farmers / Rolnicy niebędący beneficjentami | Percentage difference / Różnica procentowa |
|---|---|---|---|
| Small farmers / Drobni rolnicy | 11.78 | 11.19 | 5.27 |
| Large farmers / Duzi rolnicy | 12.53 | 12.07 | 3.81 |
| Overall / Ogółem | 11.93 | 11.37 | 4.92 |
Impact of PACS credit on cost and returns of kharif crops by farm size (INR per acre)Tabela 9_ Wpływ kredytu PACS na koszty i przychody upraw kharif w zależności od wielkości gospodarstwa (INR na akr)
| Categories of farmers / Kategorie rolników | Total cost / Całkowity koszt | Gross returns / Przychody ogółem | Net returns / Wynik ekonomiczny | Benefit–cost ratio / Stosunek korzyści do kosztów | |
|---|---|---|---|---|---|
| Small Farmers / Drobni rolnicy | Beneficiaries / Beneficjenci | 54,456.01 | 54,674.05 | 218.03 | 0.004 |
| Non-beneficiaries / Rolnicy niebędący beneficjentami | 52,556.67 | 51,574.50 | −982.17 | −0.018 | |
| Difference / Różnica | 1,899.34 | 3,099.55 | 1,200.20 | 0.022 | |
| Large Farmers / Duzi rolnicy | Beneficiaries / Beneficjenci | 57,181.09 | 59,462.69 | 2,281.59 | 0.039 |
| Non-beneficiaries / Rolnicy niebędący beneficjentami | 55,636.52 | 57,026.82 | 1,390.30 | 0.024 | |
| Difference / Różnica | 1,544.57 | 2,435.87 | 891.29 | 0.015 | |
Repayment behavior of beneficiary farmers in Haryana (number of farmers)Tabela 13_ Zachowania beneficjentów w zakresie spłaty zadłużenia w stanie Hariana (liczba rolników)
| Category of farmers / Kategoria rolników | Regular repayment / Regularna spłata | Irregular repayment / Nieregularna spłata | Defaulters / Dłużnicy | Total / Razem |
|---|---|---|---|---|
| Small Farmers / Drobni rolnicy | 155 (71.76) | 43 (19.91) | 18 (8.33) | 216 (80.0) |
| Large Farmers / Duzi rolnicy | 39 (72.22) | 9 (16.67) | 6 (11.11) | 54 (20.0) |
| All Farmers / Wszyscy rolnicy | 194 (71.85) | 52 (19.26) | 24 (8.89) | 270 (100.0) |
Performance of PACS in terms of profit and loss (INR 10 million)Tabela 5_ Wyniki PACS pod względem zysków i strat (10 mln INR)
| Lata / Year | Number of PACS / Liczba PACS | PACS in profit / PACS z zyskiem | PACS in loss / PACS ze stratą | Overall profit & loss / Ogólny zysk i strata | ||
|---|---|---|---|---|---|---|
| Number / Liczba | Amount / Kwota | Number / Liczba | Amount / Kwota | |||
| 1999–00 | 2322 | 607 (26.14) | 11.28 | 1,715 (73.86) | 49.69 | −38.41 |
| 2000–01 | 2394 | 756 (31.58) | 11.09 | 1,638 (68.42) | 42.73 | −31.64 |
| 2001–02 | 2413 | 685 (28.39) | 15.03 | 1,728 (71.61) | 50.14 | −35.11 |
| 2002–03 | 2421 | 627 (25.90) | 12.25 | 1,794 (74.10) | 57.10 | −44.85 |
| 2003–04 | 2423 | 1,320 (54.48) | 48.61 | 1,103 (45.52) | 27.65 | 20.96 |
| 2004–05 | 2433 | 1,535 (63.10) | 82.19 | 898 (36.90) | 20.54 | 61.65 |
| 2005–06 | 2441 | 1,198 (49.08) | 37.09 | 1,243 (50.92) | 39.06 | −1.97 |
| 2006–07 | 594 | 193 (32.49) | 17.74 | 401 (67.51) | 54.10 | −36.36 |
| 2007–08 | 616 | 365 (59.25) | 56.71 | 251 (40.75) | 53.65 | 3.06 |
| 2008–09 | 620 | 145 (23.39) | 26.5 | 475 (76.61) | 272.73 | −246.23 |
| 2009–10 | 628 | 33 (5.25) | 1.95 | 595 (94.75) | 294.02 | −292.07 |
| 2010–11 | 646 | 80 (12.38) | 5.57 | 566 (87.62) | 265.61 | −260.04 |
| 2011–12 | 640 | 70 (10.94) | 6.95 | 570 (89.06) | 307.97 | −301.02 |
| 2012–13 | 656 | 95 (14.48) | 7.79 | 561 (85.52) | 250.59 | −242.80 |
| 2013–14 | 657 | 77 (11.72) | 5.33 | 580 (88.28) | 359.72 | −354.39 |
| 2014–15 | 663 | 46 (6.94) | 4.92 | 617 (93.06) | 412.55 | −407.63 |
| 2015–16 | 711 | 99 (13.92) | 12.30 | 612 (86.08) | 355.83 | −343.53 |
| 2016–17 | 718 | 58 (8.08) | 6.08 | 660 (91.92) | 460.31 | −454.23 |
| 2017–18 | 718 | 50 (6.96) | 5.35 | 668 (93.04) | 516.08 | −510.73 |
| 2018–19 | 726 | 31 (4.26) | 3.41 | 694 (95.59) | 634.05 | −630.64 |
| 2019–20 | 730 | 218 (29.86) | 12.34 | 512 (70.14) | 25.61 | −13.27 |
| 2020–21 | 730 | 49 (6.71) | 1,067.42 | 681 (93.29) | 291.55 | 775.87 |
| 2021–22 | 750 | 29 (3.87) | 3.29 | 721 (96.13) | 628.84 | −625.55 |
| 2022–23 | 776 | 50 (6.44) | 8.75 | 726 (93.56) | 585.77 | −577.02 |
Division of Haryana stateTabela 1_ Podział stanu Hariana
| Zone / Strefa | Districts / Okręgi | Major crops / Główne uprawy | Area (%) / Powierzchnia (%) |
|---|---|---|---|
| 1. | Panchkula, Ambala, Kurukshetra, Yamunanagar, Karnal, Kaithal, Panipat, and Sonipat | rice, wheat, and sugarcane / ryż, pszenica i trzcina cukrowa | 32 |
| 2. | Sirsa, Fatehabad, Hisar, Jind, Rohtak, Faridabad, and Palwal | wheat, cotton, rice, rapeseed and mustard, bajra and pulses / pszenica, bawełna, ryż, rzepak i gorczyca, proso perłowe i rośliny strączkowe | 39 |
| 3. | Bhiwani, Mahendergarh, Rewari, Jhajjar, Gurgaon, and Mewat | wheat, bajra, rapeseed, mustard, and rice / pszenica, proso perłowe, rzepak, gorczyca i ryż | 29 |
Impact of PACS credit on production of selected rabi crops (quintals per acre)Tabela 10_ Wpływ kredytów PACS na produkcję wybranych upraw rabi (w kwintalach na akr)
| Categories of farmers / Kategorie rolników | Beneficiary farmers / Rolnicy-beneficjenci | Non-beneficiary farmers / Rolnicy niebędący beneficjentami | Percentage difference / Różnica procentowa |
|---|---|---|---|
| Small farmers / Drobni rolnicy | 17.23 | 16.32 | 5.57 |
| Large farmers / Duzi rolnicy | 18.09 | 17.51 | 3.31 |
| Overall / Ogółem | 17.40 | 16.56 | 5.07 |
Year-wise repayment behavior of beneficiary farmers in Haryana* (number of farmers)Tabela 12_ Zachowania beneficjentów w zakresie spłaty kredytów w poszczególnych latach w stanie Hariana* (liczba rolników)
| Lata / Year | Regular / Regularna spłata | Irregular/Defaulter / Nieregularna spłata /Dłużnicy | Total / Razem |
|---|---|---|---|
| 2006–07 | 889,638 (73.85) | 315,018 (26.15) | 1,204,656 (100) |
| 2007–08 | 878,920 (72.07) | 340,617 (27.93) | 1,219,537 (100) |
| 2008–09 | 762,728 (65.03) | 410,229 (34.97) | 1,172,957 (100) |
| 2009–10 | 813,374 (68.24) | 378,601 (31.76) | 1,191,975 (100) |
| 2010–11 | 836,914 (69.36) | 369,744 (30.64) | 1,206,658 (100) |
| 2011–12 | 839,190 (71.00) | 342,769 (29.00) | 1,181,959 (100) |
| 2012–13 | 921,013 (73.84) | 326,297 (26.16) | 1,247,310 (100) |
| 2013–14 | 896,814 (73.45) | 324,172 (26.55) | 1,220,986 (100) |
| 2014–15 | 911,962 (74.22) | 316,767 (25.78) | 1,228,729 (100) |
| 2015–16 | 852,617 (76.79) | 257,747 (23.21) | 1,110,364 (100) |
| 2016–17 | 844,899 (76.64) | 257,496 (23.36) | 1,102,395 (100) |
| 2017–18 | 891,508 (76.29) | 277,088 (23.71) | 1,168,596 (100) |
| 2018–19 | 897,733 (76.34) | 278,234 (23.66) | 1,175,967 (100) |
Credit access constraints for PACS non-beneficiaries in Haryana (number of non-beneficiary farmers)Tabela 15_ Ograniczenia dostępu do kredytów dla rolników niekorzystających z PACS w stanie Hariana (liczba rolników niebędących beneficjentami)
| Types of constraints / Rodzaje ograniczeń | Categories of non-beneficiaries / Kategorie rolników niebędących beneficjentami | Total / Razem | |
|---|---|---|---|
| Small / Drobni | Large / Duzi | ||
| Inadequate credit limit / Niewystarczający limit kredytowy | 186 (86.11) | 36 (66.67) | 222 (82.22) |
| No new accounts opened / Brak nowych rachunków | 163 (75.46) | 27 (50.00) | 190 (69.85) |
| Fear of being a defaulter / Obawa przed niewywiązaniem się z zobowiązań | 30 (13.89) | 18 (33.33) | 48 (17.78) |
| Total number of non-beneficiary farmers / Łączna liczba rolników niebędących beneficjentami | 216 (100.0) | 54 (100.0) | 270 (100.0) |
Loan recovery performance of PACS in Haryana (INR 10 million)Tabela 4_ Skuteczność windykacji pożyczek PACS w stanie Hariana (10 mln INR)
| Year / Rok | Demand (amount to be recovered) / Kwota należna (kwota do spłaty) | Recovery / Spłacono | Overdue / Należności nieuregulowane w terminie |
|---|---|---|---|
| 1999–00 | 2,634.46 (100) | 1,955.93 (74.24) | 678.53 (25.76) |
| 2000–01 | 3,040.08 (100) | 2,297.44 (75.57) | 742.60 (24.43) |
| 2001–02 | 3,687.40 (100) | 2,444.50 (66.29) | 1,242.90 (33.71) |
| 2002–03 | 3,450.79 (100) | 2,419.12 (70.10) | 1,031.67 (29.90) |
| 2003–04 | 4,089.06 (100) | 3,081.92 (75.37) | 1,007.14 (24.63) |
| 2004–05 | 4,527.83 (100) | 3,527.16 (77.90) | 1,000.67 (22.10) |
| 2005–06 | 5,466.01 (100) | 4,234.41 (77.47) | 1,231.60 (22.53) |
| 2006–07 | 6,007.53 (100) | 4,284.64 (71.32) | 1,722.89 (28.68) |
| 2007–08 | 6,595.00 (100) | 4,553.40 (69.04) | 2,041.60 (30.96) |
| 2008–09 | 5,502.90 (100) | 3,144.44 (57.14) | 2,358.46 (42.86) |
| 2009–10 | 6,310.34 (100) | 3,882.63 (61.53) | 2,427.71 (38.47) |
| 2010–11 | 7,213.39 (100) | 4,752.95 (65.89) | 2,460.44 (34.11) |
| 2011–12 | 8,145.29 (100) | 5,506.35 (67.60) | 2,638.94 (32.40) |
| 2012–13 | 9,052.13 (100) | 6,380.51 (70.49) | 2,671.62 (29.51) |
| 2013–14 | 9,972.83 (100) | 7,074.71 (70.94) | 2,898.12 (29.06) |
| 2014–15 | 10,590.69 (100) | 7,591.60 (71.68) | 2,999.09 (28.32) |
| 2015–16 | 11,146.64 (100) | 8,290.84 (74.38) | 2,855.80 (25.62) |
| 2016–17 | 12,163.85 (100) | 9,041.03 (74.33) | 3,122.82 (25.67) |
| 2017–18 | 12,157.70 (100) | 7,732.94 (63.61) | 4,424.76 (36.39) |
| 2018–19 | 12,581.38 (100) | 9,336.24 (74.21) | 3,245.14 (25.79) |
| 2019–20 | 11,646.34 (100) | 9,572.53 (82.19) | 2,073.81 (17.81) |
| 2020–21 | 12,194.42 (100) | 9,804.40 (80.40) | 2,390.02 (19.60) |
| 2021–22 | 13,096.23 (100) | 10,605.52 (80.98) | 2,490.71 (19.02) |
| 2022–23 | 13,449.24 (100) | 10,879.68 (80.89) | 2,569.56 (19.11) |
| Compund growth rate (%) / Skumulowany wskaźnik wzrostu (%) | 7.3 | 7.8 | 6.1 |
Performance of PACS in terms of owned funds, deposits, borrowings, other funds, and working capital (INR 10 million)Tabela 2_ Wyniki PACS pod względem środków własnych, depozytów, zaciągniętych pożyczek, innych środków i kapitału obrotowego (10 mln INR)
| Lata / Year | Owned Funds / Środki własne | Deposits / Depozyty | Borrowings / Pożyczki | Other funds / Inne środki | Working capital / Kapitał obrotowy |
|---|---|---|---|---|---|
| 1999–00 | 161.36 (7.41) | 72.13 (3.31) | 1,918.75 (88.08) | 26.24 (1.20) | 2,178.48 (100) |
| 2000–01 | 207.56 (7.66) | 94.95 (3.50) | 2,234.52 (82.48) | 172.28 (6.36) | 2,709.31 (100) |
| 2001–02 | 228.31 (7.77) | 147.58 (5.02) | 2,418.20 (82.27) | 145.16 (4.94) | 2,939.25 (100) |
| 2002–03 | 252.19 (7.61) | 192.35 (5.80) | 2,706.04 (81.64) | 164.01 (4.95) | 3,314.59 (100) |
| 2003–04 | 262.99 (7.20) | 220.12 (6.03) | 3,101.29 (84.95) | 66.30 (1.82) | 3,650.70 (100) |
| 2004–05 | 297.93 (6.99) | 269.98 (6.33) | 3,341.07 (78.37) | 354.37 (8.31) | 4,263.35 (100) |
| 2005–06 | 340.86 (6.77) | 319.60 (6.35) | 3,912.10 (77.69) | 462.67 (9.19) | 5,035.23 (100) |
| 2006–07 | 373.43 (7.00) | 300.97 (5.64) | 4,230.22 (79.25) | 433.12 (8.11) | 5,337.74 (100) |
| 2007–08 | 419.77 (7.32) | 304.59 (5.31) | 4,245.38 (74.06) | 762.94 (13.31) | 5,732.68 (100) |
| 2008–09 | 571.14 (8.98) | 311.70 (4.90) | 4,343.08 (68.25) | 1,137.53 (17.88) | 6,363.45 (100) |
| 2009–10 | 795.37 (11.37) | 371.70 (5.32) | 4,485.29 (64.15) | 1,340.04 (19.16) | 6,992.40 (100) |
| 2010–11 | 804.36 (10.28) | 501.18 (6.41) | 4,936.51 (63.12) | 1,579.35 (20.19) | 7,821.40 (100) |
| 2011–12 | 844.34 (9.59) | 531.69 (6.04) | 5,593.31 (63.52) | 1,835.80 (20.85) | 8,805.14 (100) |
| 2012–13 | 859.11 (8.77) | 579.64 (5.91) | 6,321.43 (64.49) | 2,041.42 (20.83) | 9,801.60 (100) |
| 2013–14 | 871.21 (8.23) | 564.61 (5.33) | 6,901.63 (65.20) | 2,248.05 (21.24) | 10,585.50 (100) |
| 2014–15 | 897.18 (8.00) | 497.18 (4.43) | 7,994.17 (71.21) | 1,837.87 (16.36) | 11,226.40 (100) |
| 2015–16 | 874.28 (7.20) | 505.99 (4.17) | 8,133.97 (67.00) | 2,626.16 (21.63) | 12,140.40 (100) |
| 2016–17 | 892.66 (6.91) | 483.27 (3.74) | 8,566.10 (66.31) | 2,976.27 (23.04) | 12,918.30 (100) |
| 2017–18 | 983.58 (7.25) | 503.28 (3.71) | 9,077.29 (66.92) | 3,001.05 (22.12) | 13,565.20 (100) |
| 2018–19 | 1,030.41 (7.11) | 490.93 (3.39) | 10,001.60 (69.02) | 2,968.26 (20.48) | 1,4491.20 (100) |
| 2019–20 | 891.99 (6.92) | 990.76 (7.69) | 10,144.08 (78.71) | 860.87 (6.68) | 1,2887.70 (100) |
| 2020–21 | 900.41 (6.71) | 499.56 (3.73) | 11,425.61 (85.20) | 584.99 (4.36) | 1,3410.57 (100) |
| 2021–22 | 1,099.34 (6.75) | 503.43 (3.09) | 11,889.26 (72.95) | 2,805.75 (17.22) | 1,6297.78 (100) |
| 2022–23 | 1,163.63 (7.16) | 458.43 (2.82) | 12,506.90 (77.01) | 2,112.42 (13.01) | 1,6241.38 (100) |
| Compund growth rate (%) / Skumulowany wskaźnik wzrostu (%) | 8.6 | 7.5 | 8.3 | 16.3 | 9.0 |
Performance of PACS in terms of purpose and term-wise loans issued (INR 10 million)Tabela 3_ Wyniki PACS pod względem celu i terminu udzielonych pożyczek (10 mln INR)
| Lata / Year | Total loans issued / Łączna kwota udzielonych pożyczek | Purpose-wise loans issued / Pożyczki udzielone według celu | Term-wise loans issued / Pożyczki udzielone według terminu spłaty | ||
|---|---|---|---|---|---|
| Agricultural loans / Pożyczki rolnicze | Non-agricultural loans / Pożyczki nierolnicze | Short-term loans / Pożyczki krótkoterminowe | Medium-term loans / Pożyczki średnioterminowe | ||
| 1999–00 | 2,264.48 | 2,068.93 (91.36) | 195.55 (8.64) | 2,237.21 (98.80) | 27.27 (1.20) |
| 2000–01 | 2,469.25 | 2,273.63 (92.08) | 195.62 (7.92) | 2,428.28 (98.34) | 40.97 (1.66) |
| 2001–02 | 2,682.21 | 2,484.98 (92.65) | 197.23 (7.35) | 2,582.23 (96.27) | 99.98 (3.73) |
| 2002–03 | 2,820.19 | 2,642.97 (93.72) | 177.22 (6.28) | 2,741.00 (97.19) | 79.19 (2.81) |
| 2003–04 | 3,360.87 | 3,183.00 (94.71) | 177.87 (5.29) | 3,199.59 (95.20) | 161.28 (4.80) |
| 2004–05 | 4,125.37 | 3,944.4 (95.61) | 180.97 (4.39) | 3,845.73 (93.22) | 279.63 (6.78) |
| 2005–06 | 4,759.56 | 4,526.66 (95.11) | 232.23 (4.89) | 4,585.25 (96.34) | 174.31 (3.66) |
| 2006–07 | 4,736.34 | 4,520.18 (95.44) | 216.23 (4.56) | 4,652.76 (98.24) | 83.57 (1.76) |
| 2007–08 | 4,887.57 | 4,686.53 (95.89) | 201.04 (4.11) | 4,839.05 (99.01) | 48.52 (0.99) |
| 2008–09 | 3,011.10 | 2,881.86 (95.71) | 129.24 (4.29) | 2,943.10 (97.74) | 68.00 (2.26) |
| 2009–10 | 4,316.64 | 4,200.76 (97.32) | 115.88 (2.68) | 4,173.03 (96.67) | 143.61 (3.33) |
| 2010–11 | 5,135.68 | 5,033.30 (98.01) | 102.38 (1.99) | 5,006.82 (97.49) | 128.86 (2.51) |
| 2011–12 | 6,083.33 | 5,987.52 (98.43) | 95.81 (1.57) | 5,974.47 (98.21) | 108.86 (1.79) |
| 2012–13 | 7,022.68 | 7,001.42 (99.70) | 21.26 (0.30) | 6,911.81 (98.42) | 110.87 (1.58) |
| 2013–14 | 7,483.46 | 7,393.42 (98.80) | 90.04 (1.20) | 7,433.03 (99.33) | 50.43 (0.67) |
| 2014–15 | 8,075.92 | 7,990.04 (98.94) | 85.89 (1.06) | 8,058.03 (99.78) | 17.89 (0.22) |
| 2015–16 | 8,890.57 | 8,760.28 (98.53) | 130.29 (1.47) | 8,866.51 (99.73) | 24.06 (0.27) |
| 2016–17 | 8,952.50 | 8,847.87 (98.83) | 104.63 (1.17) | 8,910.19 (99.53) | 42.31 (0.47) |
| 2017–18 | 9,277.83 | 9,212.05 (99.29) | 65.78 (0.71) | 9,248.26 (99.68) | 29.57 (0.32) |
| 2018–19 | 9,413.42 | 9,354.59 (99.37) | 59.33 (0.63) | 9,346.74 (99.29) | 67.18 (0.71) |
| 2019–20 | 10,354.31 | 9,652.60 (93.22) | 701.71 (6.88) | 10,305.91 (99.53) | 48.40 (0.47) |
| 2020–21 | 10,046.80 | 9,910.41 (98.64) | 136.39 (1.36) | 10,029.97 (99.83) | 16.83 (0.17) |
| 2021–22 | 12,849.76 | 12,779.46 (99.45) | 70.30 (0.55) | 12,838.11 (99.91) | 11.65 (0.09) |
| 2022–23 | 12,090.09 | 12,029.93 (99.50) | 60.16 (0.50) | 12,080.67 (99.92) | 9.42 (0.08) |
| Compund growth rate (%) / Skumulowany wskaźnik wzrostu (%) | 7.6 | 7.9 | −3.8 | 7.8 | −7.2 |
Constraints in the functioning of PACS as responded by PACS employees (number of PACS employees)Tabela 16_ Ograniczenia w funkcjonowaniu PACS według odpowiedzi pracowników PACS (liczba pracowników PACS)
| Types of constraints / Rodzaje ograniczeń | Haryana / Hariana |
|---|---|
| Lack of adequate funds / Brak wystarczających środków finansowych | 45 (100.0) |
| Low level of deposits / Niski poziom depozytów | 45 (100.0) |
| Increased day-to-day government intervention / Zwiększona codzienna interwencja rządu | 45 (100.0) |
| Limitation of interest / Ograniczenie odsetek | 33 (73.33) |
| Lack of diversification of loans / Brak dywersyfikacji kredytów | 31 (68.89) |
| Poor loan recovery percentage / Niski odsetek spłat kredytów | 30 (66.67) |
| Lack of trained staff / Brak wykwalifikowanego personelu | 24 (53.33) |
| Procedure for recovery is not to be followed / Nieprzestrzeganie procedury windykacji | 21 (46.67) |
| Higher cost of management / Wyższe koszty zarządzania | 17 (37.78) |
| Political interference by PACS management in distributing fertilizers / Ingerencja polityczna kierownictwa PACS w dystrybucję nawozów | 14 (31.11) |
| Non-cooperative attitude of borrowers / Niechęć współpracy ze strony kredytobiorców | 11 (24.44) |
| Total number of PACS employees / Łączna liczba pracowników PACS | 45 (100.00) |
Impact of PACS credit on cost and returns of rabi crops by farm size (INR per acre)Tabela 7_ Wpływ kredytu PACS na koszty i przychody z upraw rabi w zależności od wielkości gospodarstwa (INR na akr)
| Categories of farmers / Kategorie rolników | Total cost / Całkowity koszt | Value of main product / Wartość głównego produktu | Value of by-product / Wartość produktu ubocznego | Gross returns / Przychody ogółem | Net returns / Wynik ekonomiczny | Benefit–cost ratio / Stosunek korzyści do kosztów | |
|---|---|---|---|---|---|---|---|
| Small farmers / Drobni rolnicy | Beneficiaries / Beneficjenci | 40,356.80 | 43,839.39 | 3,019.54 | 46,858.93 | 6,502.13 | 0.161 |
| Non-beneficiaries / Rolnicy niebędący beneficjentami | 39,200.53 | 41,545.98 | 2,812.04 | 44,358.02 | 5,157.49 | 0.131 | |
| Difference / Różnica | 1,156.27 | 2,293.41 | 207.50 | 2,500.91 | 1,344.64 | 0.030 | |
| Large farmers / Duzi rolnicy | Beneficiaries / Beneficjenci | 42,022.91 | 46,195.09 | 2,996.30 | 49,191.39 | 7,168.47 | 0.170 |
| Non-beneficiaries / Rolnicy niebędący beneficjentami | 40,895.88 | 44,578.03 | 2,876.78 | 47,454.81 | 6,558.93 | 0.160 | |
| Difference / Różnica | 1,127.03 | 1,617.06 | 1,19.52 | 1,736.58 | 609.54 | 0.010 | |
Credit access constraints for PACS beneficiaries in Haryana (number of beneficiary farmers)Tabela 14_ Ograniczenia dostępu do kredytów dla beneficjentów PACS w stanie Hariana (liczba beneficjentów)
| Types of constraints / Rodzaje ograniczeń | Categories of beneficiaries farmers / Kategorie rolników-beneficjentów | Total / Razem | |
|---|---|---|---|
| Small / Drobni | Large / Duzi | ||
| Inadequate credit limit / Niewystarczający limit kredytowy | 191 (88.42) | 45 (83.33) | 236 (87.40) |
| Short loan repayment period / Krótki okres spłaty pożyczki | 151 (69.90) | 28 (51.85) | 179 (66.29) |
| High penalty rates / Wysokie odsetki karne | 130 (60.18) | 21 (38.89) | 151 (55.92) |
| Unavailability of medium-term loans / Brak dostępności kredytów średnioterminowych | 115 (53.24) | 20 (37.03) | 135 (50.00) |
| Total number of beneficiary farmers / Łączna liczba rolników-beneficjentów | 216 (100.0) | 54 (100.0) | 270 (100.0) |
Impact of PACS credit on cost and returns of selected rabi crops (INR per acre)Tabela 6_ Wpływ kredytów PACS na koszty i przychody z wybranych upraw rabi (INR za akr)
| Particulars / Wyszczególnienie | Beneficiary farmers / Rolnicy beneficjenci | Non-beneficiary farmers / Rolnicy niebędący beneficjentami | Difference / Różnica |
|---|---|---|---|
| Total cost / Całkowity koszt | 40,690.02 | 39,539.60 | 1,150.42 |
| Value of main product / Wartość głównego produktu | 44,316.12 | 42,142.52 | 2,173.60 |
| Value of by product / Wartość produktu ubocznego | 3,014.89 | 2,824.98 | 189.91 |
| Gross returns / Przychody ogółem | 47,331.01 | 44,967.51 | 2,363.50 |
| Net returns / Wynik ekonomiczny | 6,640.98 | 5,427.91 | 1,213.07 |
| Benefit–cost ratio / Stosunek korzyści do kosztów | 0.163 | 0.137 | 0.026 |
Impact of PACS credit on cost and returns of selected kharif crops (INR per acre)Tabela 8_ Wpływ kredytu PACS na koszty i przychody wybranych upraw kharif (INR na akr)
| Particulars / Wyszczególnienie | Beneficiary farmers / Rolnicy-beneficjenci | Non-beneficiary farmers / Rolnicy niebędący beneficjentami | Difference / Różnica |
|---|---|---|---|
| Total cost / Całkowity koszt | 55,001.03 | 53,172.63 | 18,28.40 |
| Gross returns / Przychody ogółem | 55,626.04 | 52,657.34 | 29,68.70 |
| Net returns / Wynik ekonomiczny | 625.01 | −515.29 | 1,140.30 |
| Benefit–cost ratio / Stosunek korzyści do kosztów | 0.011 | −0.010 | 0.021 |