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INTERNATIONAL JOURNAL OF CREATIVE RESEARCH THOUGHTS - IJCRT (IJCRT.ORG)
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ISSN Approved Journal No: 2320-2882 | Impact factor: 7.97 | ESTD Year: 2013
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Paper Title
Term-wise Lending Practices of Primary Agricultural Credit Societies (PACS) in Kerala: An Analysis of Short-term, Medium-term, and Long-term Lending
Authors
JOHNSON N J
Keywords
PACS, Loan Distribution, Short-term Loans, Medium-term Loans, Long-term Loans, Borrowing Members, Loan Outstanding, Loan Overdue.
Abstract
This article analyses the loan distribution trends of Primary Agricultural Credit Societies (PACS) in Kerala from 2008 to 2019, focusing on short-term (ST), medium-term (MT), and long-term (LT) loans. The study reveals that ST loans consistently formed the majority of the total loans, peaking in 2014, but have since shown a declining trend. Meanwhile, MT and LT loans have been on the rise, indicating a shift towards longer-term financial commitments. The percentage of borrowing members to the total fluctuated significantly, with notable drops in 2012 and 2013 and peaks in 2016. This fluctuation, alongside the steady increase in both loan outstanding and overdue amounts, highlights the dynamic borrowing environment and the challenges in loan repayment. The findings emphasize the need for PACS to adapt lending policies to balance loan issuance with sustainable repayment practices, ensuring financial stability and meeting the evolving needs of members.
IJCRT's Publication Details
Unique Identification Number - IJCRT2010544
Paper ID - 261771
Page Number(s) - 4164-4170
Pubished in - Volume 8 | Issue 10 | October 2020
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Publisher Name - IJCRT | www.ijcrt.org | ISSN : 2320-2882
E-ISSN Number - 2320-2882
Cite this article
JOHNSON N J, "Term-wise Lending Practices of Primary Agricultural Credit Societies (PACS) in Kerala: An Analysis of Short-term, Medium-term, and Long-term Lending", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.8, Issue 10, pp.4164-4170, October 2020, Available at :http://www.ijcrt.org/papers/IJCRT2010544.pdf
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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ISSN: 2320-2882 Impact Factor: 7.97 and ISSN APPROVED Journal Starting Year (ESTD) : 2013
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