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A STUDY OF KISAN CREDIT CARD (KCC) SCHEME IN DISTRICT BARAMULLAH

Mudasir Ahmad War

Abstract


Abstract:- The Jammu and Kashmir Banks has played a crucial role in the mobilization of savings and Investment. The contribution of Jammu and Kashmir bank is extra ordinary. Government of India introduced the Kisan Credit Card scheme (KCC) scheme in 1998 as an innovative credit delivery mechanism to enable the farmers to meet their production credit requirements in a timely and hassle-free manner. The present study was conducted to study the knowledge of beneficiary’s farmer about Kissan Credit Card (KCC) scheme, to study the satisfaction level of beneficiary’s farmer about Kissan Credit Card (KCC) scheme and to study the opinion of beneficiaries farmer about sanctioning procedure of Kissan Credit Card (KCC) scheme. 200 respondents were selected by using snowball sampling technique. A self-made questionnaire and a scale developed by Thakur, H. A was used for data collection. The collected data was subjected to statistical treatment by using descriptive analysis.  The results revealed that18 % were found to have low level of knowledge about Kissan Credit Card (KCC) scheme whereas 21 % respondents were found with below average,   25% respondents were found with average level and 29% respondents were found with above average level of knowledge about Kissan Credit Card Kissan Credit Card (KCC). The results indicate that 38% respondents were low satisfied, 45% respondents were found with moderate level of satisfaction, 17% respondents were found highly satisfied with the existing scheme of Kissan Credit Card (KCC).   Besides, it was found that 38 % respondents were in favour of simplifying the procedure of KCC scheme in JK Bank,  45% respondents were found in favour of retaining the current procedure for availing Kissan Credit Card (KCC) from Jammu and Kashmir Banks.


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