Pakistan Journal of Social Sciences
ISSN: Online 1993-6052ISSN: Print 1683-8831
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Abstract
This study investigated the effect of credit advances by ZariTaraqiyati Bank Limited (ZTBL) on farm productivity, farmer’s income; saving and standard of life in tehsil Adenzai in district Dir Lower. Using Proportional Allocation method, 70 respondents were selected as a sample size. Data was gathered through structured questionnaires by face to face interaction. Paired t-test was used to explain the effect of credit provision on total yield of maize crop, farmer’s income and saving. It was found that the credit had properly utilized for the purpose of farm productivity. Results showed a positive significant relationship between credit advances and farm productivity. Result also showedsignificant increasein farmer’s income, savingand increase in life standard due to credit advances. Lengthy process, high interest rate on loan and lack of branches of ZTBL were recorded as potential issues. The beneficiaries suggested for simple procedure of loaning, easy terms and conditions decrease of interest rate and increase of branches to make the process more easy and effective.
How to cite this article:
Irshad Ghafoor, Munir Khan, Sami Ullah and Abdullah . Effect of Credit Advances on Farm Productivity and Farmer’s Economic Development
(A Case Study of Tehsil Adenzai District Dir Lower).
DOI: https://doi.org/10.36478/pjssci.2021.47.52
URL: https://www.makhillpublications.co/view-article/1683-8831/pjssci.2021.47.52