Figure 1.
Structure of cooperative credit institutions
Schemat 1. Struktura spółdzielczych instytucji kredytowych
Figure 2.
Sampled respondents
Schemat 2. Próba respondentów
Table 1.
Division of Haryana state
Tabela 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 |
[i] Source: Government of Haryana (2013).
[ii] Źródło: Government of Haryana (2013).
Table 2.
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 |
[iii] Source: HSCABL (1999-00–2022–23), NAFSCOB (n.d.).
[iv] Źródło: HSCABL (1999-00–2022–23), NAFSCOB (b.d.).
Table 3.
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 |
[ii] Objaśnienia: Dane w nawiasach oznaczają procentowy udział całkowitej wartości udzielonych kredytów.
[iii] Source: HSCABL (1999-00–2022–23), NAFSCOB (n.d.).
[iv] Źródło: HSCABL (1999-00–2022–23), NAFSCOB (b.d.).
Table 4.
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 |
[iii] Source: HSCABL (1999-00–2018–19), NAFSCOB (n.d.).
[iv] Źródło: HSCABL (1999-00–2018–19), NAFSCOB (b.d.).
Table 5.
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 |
[iii] Source: HSCABL (1999-00–2018–19), NAFSCOB (n.d.).
[iv] Źródło: HSCABL (1999-00–2018–19), NAFSCOB (b.d.).
Table 6.
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 |
Table 7.
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 | |
Table 8.
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 |
Table 9.
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 | |
Table 10.
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 |
Table 11.
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 |
Table 12.
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) |
* Secondary data is not available to authors for 2019–20 to 2022–23. Hence, the study used data up to 2018–19 for Table 12. /
* Autorzy nie dysponują danymi wtórnymi za lata 2019–20 do 2022–23. W związku z tym w tabeli 12 wykorzystano dane do 2018–19.
Source: HSCABL (2006–07–2018–19).
Źródło: HSCABL (2006–07–2018–19).
Table 13.
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) |
Table 14.
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) |
Table 15.
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) |
Table 16.
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) |