Relational Analysis between Profile of Kisan Credit Card Scheme Beneficiary Farmers and Impact of Kisan Credit Card Scheme

Abstract

The present investigation was conducted in Latur and Osmanabad district of the Marathwada region during the year 2020 and 2021 which was selected purposively on the basis of maximum number of Kisan Credit Card Scheme beneficiary farmers. Ex-post-facto research design was adopted in this study. The data were collected with the help of pretested interview schedule from the respondents and analysed by using Pearson’s coefficient of correlation, multiple regression analysis and Path analysis. It was observed from correlation analysis that education, annual income, occupation, land holding, social participation and extension contact were positively and significantly related with the impact of KCC Scheme while sources of information, economic motivation, risk orientation and knowledge were positive and highly significant relationship with the impact of KCC Scheme. The variable namely age, size of family and type of family were non-significant with the impact of KCC Scheme. It was observed from multiple regression analysis that co-efficient of determination (R2) of the independent variables was 0.778. The value of ‘t’ showed that impact of KCC Scheme was significantly related with education, annual income, occupation, land holding, extension contact, sources of information, economic motivation, risk orientation and knowledge. In relation to path analysis, it was observed that, sources of information, extension contact, education, knowledge, land holding, annual income, social participation, age, occupation and risk orientation were important variables in absence of which independent variables are not able to influence the impact of KCC Scheme on its beneficiaries.