Effects of Micro-credit Programme of Khushali Bank Limited on Agricultural Productivity in District Mardan, Pakistan
Effects of Micro-credit Programme of Khushali Bank Limited on Agricultural Productivity in District Mardan, Pakistan
Inayatullah Jan*, Sajid Khan, Noor Paio Khan and Muhammad Ashfaq
ABSTRACT
Khushali Bank Limited (KBL) is one of the micro-credit organizations in Pakistan which are extending micro-credit services to small farmers with the aim to increase agricultural productivity and income of farmers. This study was conducted with the aim to assess the effects of micro-credit programme of KBL on agricultural productivity in district Mardan in Khyber Pakhtunkhwa Province of Pakistan. The study was conducted in three purposively selected villages namely; Nasir Kaly, Shankar and Kodeenaka. From the field surveys, it was found that majority of the respondents were smallholders or tenants. After procuring and properly utilizing credit, the yield of the major crops such as wheat, maize, and sugarcane and the resultant income of the respondents exhibited significant increase, as confirmed by higher t-values. The study concludes that the socio-economic conditions of the farmers can be improved if credit programme is extended which could benefit all farmers in the area.
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