Farmers' Perception Towards KCC Scheme in Mysore Division: An Empirical Analysis

Abstract

The present study investigated farmers’ perceptions of the Kisan Credit Card (KCC) scheme and assessed the challenges encountered by farmers in the Mysore division. The research relied exclusively on primary data, which was collected using a pre-tested questionnaire administered to the selected respondents through multi-stage random sampling. As an inferential examination, the study employed cross-tabulation with Chi-square and ANOVA analysis to interpret and evaluate the data. The statistical results indicate that there are significant differences in how farmers from different districts of the Mysore division perceive the impact of the KCC scheme in terms of access to better quality inputs, growing commercial crops, and improvements in annual income, as evidenced by p-values less than 0.05. Conversely, p-values greater than 0.05 suggest uniformity in the challenges experienced by farmers throughout the division, indicating no significant inter-district variation in this regard. The authors suggested that farmers must take proactive steps to become more engaged with the financial mechanisms, and at the policy level, it is also imperative to strengthen the integration of technology and data analytics in scheme implementation and monitoring, thereby ensuring greater efficiency, transparency, and inclusiveness.