Vol. 12 (05) pp. 550-564 DOI: 10.21474/IJAR01/18749

LENDING DYNAMICS OF PACS IN KERALA: A COMPREHENSIVE STUDY OF AGRICULTURAL AND NON-AGRICULTURAL LOANS

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  • Assistant Professor of Commerce, and Research Scholar, Sri C Achutha Menon Government College, Thrissur (Calicut University Research Centre), P O Kuttanellur, Kerala, India - PIN 680014.
  • Associate Professor of Commerce, and Research Supervisor, Sri C Achutha Menon Government College, Thrissur (Calicut University Research Centre), P O Kuttanellur, Kerala, India- PIN 680014.
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Abstract

Primary Agricultural Credit Societies (PACS) play a pivotal role in providing financial support to the agricultural sector and rural communities. This study analyses the lending activities of PACS in Kerala from 2007-08 to 2021-22, focusing on the shift from agricultural to non-agricultural lending. Utilising secondary data from the Department of Cooperation and the Kerala State Planning Board, the research examined the trends and patterns in short-term, medium-term, and long-term loans for both agricultural and non-agricultural purposes. The findings reveal a significant increase in non-agricultural lending, reflecting a strategic shift in PACS priorities. The study discusses the implications of these changes for rural development and provides recommendations for policy interventions to ensure balanced support for both sectors.

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How to Cite This Article

Johnson N.J and Deepa Paul (2024); LENDING DYNAMICS OF PACS IN KERALA: A COMPREHENSIVE STUDY OF AGRICULTURAL AND NON-AGRICULTURAL LOANS, Int. J. of Adv. Res., 12 (05), 550-564, ISSN 2320-5407. DOI: https://doi.org/10.21474/IJAR01/18749

Corresponding Author

Johnson N J
Sri C Achutha Menon Government College Thrissur
India
Creative Commons Attribution 4.0 This work is licensed under a Creative Commons Attribution 4.0 International License.