IMPACT OF ZTBL MICROCREDIT SCHEME ON WHEAT PRODUCTION IN DISTRICT RAWALPINDI
224790033845500

CONTENTS

Chapter

Page

List of contents

Abbreviations

List of tables

Acknowledgements

1

INTRODUCTION

1

1.1

Background of the study

1

1.2

Statement of the problem

4

1.3

Objectives

5

1.3.1

General objectives

5

1.3.2

Specific objectives

5

1.4

Significance of the study

5

1.5

Definition of terms

6

2

LITERATURE REVIEW

7

2.1

Introduction

2.2

Microcredit and microfinance

7

2.3

Microcredit needs by various farmers

9

2.4

Structure of agricultural credit system in Pakistan

11

2.5

Introduction of Zarai Tariqiati Bank Limited

15

3

MATERIALS AND METHODS

23

3.1

Introduction

23

3.2

Study Population

23

3.3

The Sample for the study

23

3.4

Data Collection

24

3.4.1

Preparation of the interview schedule

24

3.4.2

Pre-testing

24

3.5

Analysis of the Data

24

4

RESULTS AND DISCUSSIONS

25

4.1

Demographic characteristics of the respondents

25

4.1.1

Education

26

4.1.2

Land ownership

27

4.1.3

Marital status

28

4.1.4

Family size

29

4.1.5

Type of loan obtained

29

4.2

Awareness of microcredit facility

30

4.3

Availed micro credit

30

4.4

Microcredit taken from the bank

31

4.5

Amount taken from the bank

32

4.6

Interest rates paid on micro-credit

32

4.7

Purpose of loan

33

4.8

Time given to repay microcredit

34

4.9

Repayment type of microcredit

34

4.10

Improvement after getting micro-credit

35

4.11

Utilization of micro-credit

35

4.12

Household items bought before and after getting micro-credit

36

4.13

Production before credit

37

4.14

Production after credit

38

4.15

Income before credit

40

4.16

Income after credit

40

4.17

Constraints faced in accessing micro-credit

41

4.18

Reasons for poor repayment rate of microcredit

42

4.19

Decision of micro-credit

42

4.20

Benefit from micro-credit

43

4.21

Financial crisis due to high interest rates

44

4.22

Need to borrow money to repay the loan

44

4.23

Satisfaction from the services of ZTBL

45

4.24

Micro-credit from ZTBL in future life

45

4.25

Preference to other fellow farmers

45

Summary

48

Findings

49

Conclusions

53

Recommendations

54

References

56

Appendices

69

218122541402000
ABBREVIATIONS/ACRONYMS

ADBL

Agricultural Development Bank Ltd

ADBP

(Agricultural Development Bank of Pakistan

AMA

Accra Metropolitan Assembly

ASCA

Accumulating Savings and Credit associations

CAD

Centre for Action and Development

CB

Commercial Banks

CIDA

Canadian International Development Agency

CIMMYT

International Maize and Wheat Improvement Centre

CLIP

Community Life Improvement Programme

FAO

Food and Agriculture Organization

GCs

Government Credits

GDP

Gross Domestic Product

IFAD

International Funds for Agriculture Development

IMF

International Monetary Fund

ISSER

Institute of Statistical, Social and Economic Research

MASLOC

Microfinance and Small Loans Centre

MCGF

Microcredit Guarantee Facility

MDG

Millennium Development Goal

MFI

Microfinance Institutions

MOFA

Ministry of Food and Agriculture

NBFI

Non-Banking Financial Institutions

NGO

Non-governmental Organizations

RCB

Rural and Community Banks

RSCA

Rotational Savings and Credit Associations

UNC…