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Impact of Micro Finance on the Agricultural Development in Balochistan, Pakistan

Impact of Micro Finance on the Agricultural Development in Balochistan, Pakistan

Tariq Ali Mastoi1, Zulfiqar Ali Mastoi2*, Zahoor Ahmed Khetran3, Ghulam Hussain Alizai2, Binish Baig4, Mitha Khan2 and Syed Jahangir Shah1

1Agriculture Extension Department, Balochistan (Usta Muhammad); 2Agriculture Research Institute, Sariab Quetta, Balochistan; 3Pakistan Agriculture Research Council, PARC, Balochistan; 4Govt. Girls High School, Noor Pur Jamali, Usta Muhammad Jaffarabad, Pakistan.

*Correspondence | Zulfiqar Ali Mastoi, Agriculture Research Institute Balochistan, Pakistan; Email: 


This research study was conducted to explore the role of micro finance on the agricultural development in the district Jaffarabbad, Balochistan through survey method. Eight districts were selected purposively by using random sampling techniques to investigate eligibility, education and obstacles of the respondents for obtaining micro finance loan from Zarai Taraqiati Bank Limited (ZTBL). Out of selected districts; ten respondents were chosen randomly who obtained micro finance loans. The information of the selected districts and respondents was obtained (ZTBL). Thus, the respondents were interviewed personally and necessary data were collected through structured questionnaire. The research revealed that majority of the respondents i.e. 50% were in the age limit between 31-40 years. Almost 36.25% respondents had elementary level education. Further, it is reported that 28.75% respondents had 30 acres landholding, while 28.75% of the farmers having upto 20 acres landholding. Land tenure system of the respondents were examined and found that most samples i.e. 64 % were in absentia training load (zamindar). Samples were analyzed on the basis of farmers’ income, and it has been found that 34% respondent had income of Rs.45,000 and Rs.60,000 per acre respectively. However, remaining 47.50% of the respondents had old and outdated farming techniques in practice. The mainstream 35.72% respondents obtained credits upto Rs. 40,001-50,000 and others 33.92% secured loan up to Rs.50,001-80,000. It was reported that 51.25 % respondents considered that procedures of the credit are more complicated and difficult to be followed. However, 63.75 % revealed that Passbook is one of the obstacles in getting loan. On the basis of findings, it is suggested that inquire about perceptions of the borrowers in obtaining credit from ZTBL. Although, most of the validity of credit borrowers complained that the interest rates are higher on the loans. As subsistence farmers, the interest rates are too high for farmers’ community and not satisfied. Majority of the farmers have low levels of education, and cannot fulfil the formalities to get a loan. At the end, it is recommended that ZTBL authority may initiate training programs for farmers to make the process of the loan more feasible and character building programs for the bank staff.

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Sarhad Journal of Agriculture


Vol. 37, Iss. 2, Pages 331-713


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