A STUDY ON INDEBTEDNESS OF AGRICULTURAL HOUSEHOLD AND UTILIZATION PATTERN OF INSTITUTIONAL CREDIT ON THE BASIS OF SIZE OF OPERATIONAL HOLDINGS

This study examines the debt patterns of agricultural households and their use of institutional credit in different categories of landowners, namely small, marginal, medium, medium and large. The indebtedness of farm households has significant implications for their financial stability, productivity, and overall welfare. By analyzing the different levels of debt and the use of institutional credit, this study sheds light on the financial dynamics of farm households. Preliminary findings suggest access to credit increases as farm size increases, marginal & small farmers need short term credits and large farmers need long term credit. The study examines how farm size affects the level of indebtedness among agricultural households and utilization pattern of Institutional credit.