Effect of Agricultural Credit with Special Reference to Champakara Service Co-Operative Bank, Karukachal

Aleena Johnson

Abstract: This study is based on the working of service co-operative society and to suggest remedial measures to reduce the misutilization of co-operative credit and delay in the repayment of co-operative credit. This study was conducted on agricultural credit provided by the Champakara Service Co-operative Bank; Karukachal covering the fiscal years 2017to 2018.100 respondents have been selected following convenient sampling method.Questionaire were used as data collecting instrument. Data was analyzed using tabulation, percentage. Recommendations from the study were to give loan in two or more instalments. Further instalment should be allowed only after getting a `Performance Certificate? which shows the amount has been properly utilized.

Keywords: Agriculture credit, Co- operative society, Finance, income Standard of living