A Study on the Problems Confronted by the D.C.C. Bs in the Recuperation of Agricultural Loans and Problems Faced by the Borrowers Acquiring Agricultural Loan through D.C.C. Bs in Western Odisha, India

Abstract

District Central Co-operative Banks (DCCBs) are crucial for lending to the agricultural sector and related industries, serving as a centre of balance for rural finance. The DCCBs had an impact on the growth of farmers in Western Odisha by altering crop patterns, increasing productivity, creating job possibilities, raising incomes, and adopting new technologies. For the present study Five DCCBs in Western Odisha were taken for investigation for the present study. The analysis was based on primary data that were gathered in 2020–21. Loan recoveries were a concern that banks were dealing with. In Western Odisha, DCCBs disbursed loans more than 70% under category I (up to 3 lakhs), and more than 80% under category II (more than 3 lakhs), according to the NAFSCOB report, In the research area, PACS and "Kisan Credit Cards" were the primary methods used to disburse agricultural loans to farmers. Further data analysis revealed that the borrowers' biggest issue, which affected 77.6% of them, was the delay in loan disbursement, followed by the short repayment period, which affected 73.2% of them. The borrowers' least issue, which affected 48.4% of them, related to technical advice from the bank. The main goals of this study were to examine the and variables influencing, and issues faced by DCCBs in Western Odisha.