Agricultural Credit: A Comparative Study of Co-operatives Societies and Regional Rural Banks

Abstract

Before independence, the lending process was very difficult and farmers were physically and mentally exploited. Co-operative societies and regional rural banks were formed to improve the condition of farmers and lend to cheap loans. The objective of present study is to compare co-operative societies and regional rural banks in terms of two factors viz. credit flow and number of branches opening. It investigates the factors those responsible for improvement of co-operative societies. The study also aims to give suggestion on how to improve lending amount of co-operative societies and regional rural banks.