ANNEXURE-I QUESTIONNAIRE FOR FARMERS

Transcription

1 ANNEXURE-I QUESTIONNAIRE FOR FARMERS 1. Identification (i) State (ii) Distt. (iii) Tehsil (iv) Village (v) Block (vi) Name of the Head of Family (vii) Respondent 2. Household Composition S.No. Name Relationship with the respondent Sex Age Age at the time of marriage Education 3. Occupational Structure S.No Name of the working member/members of the family Sex Nature of Employment Total Agr. Ind. Service Others Income Unemployed if any 211

2 4. Household Characteristics Type of land Area (As on ) (i) Land owned (ii) Land leased out (iii) Land leased in (iv) Total land available for production 5. Other Holdings Particulars (i) Machinery & Implementation (a) Tractor (b) Thresher (c) Trailer & Trolleys (d) Seed-cum-fertilizer drill (e) Sheller (f) Oil Engines & Electric Motor (g) Cane crusher (h) Poultry Equipments (i) Dairy Equipments (j) Others (ii) Live Stock (a) Cows (b) Buffaloes (c) Goats (d) Sheep (e) Pigs (f) Poultry Birds (g) Others Total value (as on ) 212

3 6. Income from Farm Produce Crops Total Value (for the year ending on ) (i) Rabi (ii) Kharif 7. Income from other Sources Sources (i) Sale of livestock (ii) Sale of milk and milk products (iii) Sale of poultry products (iv) Income from hiring out of farm equipment (a) Tractor (b) Other equipments (1) (2) (3) (4) (v) Non-farm Income (a) Income from Transport (b) Income from household industries (c) Services (d) Others (i) Total Value (for the year ending on ) (ii) (iii) 213

4 8. Structure of Financial Agencies in Financing Agriculture (I) Have you borrowed money for financing your agriculture? If yes then specify the source of borrowing (for the year ending on ) Sources Total amount Borrowed Last year's balance Interest Paid Total Last Year Total amount repaid Balance of loan as on (a) Regional Rural (b) Land Development Bank (C) Public Sector Commercial Banks (d) Private sector Commercial Banks (e) Co-operative Banks (f) Moneylenders (g) Friend & Relatives (h) Co-operative Societies (i) Others Total 214

5 9. Purpose of Borrowings (I) Have you borrowed for input purpose, if yes, specify: Amount Total Last Year (For the year ending on ) (a) Seeds (b) Manure (c) Fertilizers (d) Pesticides (e) Irrigation charges (f) Others : (i) (ii) (iii) (II) Have borrowed for purchase of machinery and implements? If yes, how much and specify the items: Amount borrowed Total Last Year (For the year ending on ) (a) Tractor (b) Thresher (c) Trailer & Trolleys (d) Seed-cum-fertilizer drill (e) Sheller (f) Oil Engines & Electric Motor (g) Cane crusher (h) Poultry Equipments 215

6 (i) Dairy Equipments (j) Others (i) (ii) (iii) (III) Have borrowed for farm building, improvement and investment? If yes, specify the items Amount borrowed Total Last Year (For the year ending on ) (a) (b) (c) (d) (e) (f) (g) Purchase of Land Reclamation and improvement of land Tube well/pumping set Purchase of indigenous minor implements Purchase of improved implements Cattle Sheds Others (IV) Have you borrowed for live stock? If yes, specify the items: (a) For cultivation: (b) Dairy farming (c) Poultry farming (d) For other purpose Amount borrowed Total Last Year (For the year ending on ) 216

7 10. Security offered for Loan Borrowed: Have you offered security for borrowing loan? If yes, specify: Loan taken on security Value Total Last year (a) Land ending ) (For the year on (b) Building (c) Crops (d) Any other asset (e) Guarantee if any (11) Did you use the full amount of your loan for specific purpose? If not, then specify the purpose for which loan was used. Yes/No (12) Is there any addition in the existing revenue with the loan availed? Yes/No (13) Is there any increase in output of your produce with the loan availed? Yes/No (14) Is there any employment generation with the loan? Yes/No (15) Is there any change in standard of living of your family with the loan? Yes/No (16) Any other benefit from the loan availed? (17) Are you aware of various loan schemes offered by the different financial institutions? 217

8 (18) How many times they have to go the banks and time consumed in availing the loan? (19) What is the status of loan repayment? (20) What are the problems being faced by you in availing loans (21) What are problems being faced by you in repayment of loans 218

9 ANNEXURE-II QUESTIONNAIRE FOR BANK OFFICIALS 1. Identification (i) State (ii) Distt. (iii) Tehsil (iv) Village (v) Block (vi) Name of the Bank (vii) Name and Designation of Respondent 2. Particulars of Advances Have you advanced the finances for agriculture purpose? If yes, then give the following details (for the year ) S.No. Purpose for which loan has been taken 1 Machinery and Implementation Amount of the value of loan 2 Live stock 3 Land purchase and its importance 4 For inputs in the agriculture 5 Poultry Farming 6 Others 3. General Information (a) How do you assess the profitability and suitability of the Project? (b) Do loanees pay installment in time?... (c) What measures you take in case of defaulters? (d) Do you give second loan if the loanees need for the same project? 219

10 (e) Are you given loan not in cash in case of live stock? If yes, why? (f) What are the causes of delay in sanctioning the loans? (i)... (ii)... (iii)... (g) How much time you take in sanctioning the loan (h) How many times an applicant has to visit the Branch for getting loans? (i) What are the different schemes under which loans are provided to farmers/ growers by banks? (j) What basic documents are required by the banks for providing agricultural credit? (k) Is there any consideration of size of land holdings (i.e. subsistence, economic and above economic holding) for granting agricultural loans? (l) What types of sureties/securities/collaterals are acceptable to the banks for providing agricultural credit to farmers/growers? 220

11 (m) Can borrowers having no collaterals avail bank loan? (n) Are there any indicative credit limits for different crops or for different agricultural operations? (o) Are farmers who had availed any concession or remission under Government relief package announced from time to time, eligible for fresh loans? (p) Is there any fixed time period for the processing and disbursement of loans to the farmers?. (q) Our farming community is generally unaware of different agricultural loan schemes/products. What efforts have been made by the bank for awareness of the farming community? 221

12 (r) Do the bank branches functioning in remote areas have sufficient information about the schemes or agricultural financing? (s) Why cash deposit ratio (CD Ratio) is less in Punjab as compared to other state (t) Who is the person/authority to approach in case of any complaint, suggestion, proposals, queries about agriculture finance etc Problems in Agriculture Finances (a).. (b).. (c).. (d).. 5. Your Suggestions (a).. (b).. (c).. (d).. 222

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