Progress and Performance of Kisan Credit Card Scheme in Assam: A Case Study in Kamrup District

Abstract

Agriculture has been the mainstay of the state's economy and more than 60 per cent of our people depend upon agriculture for their livelihood. The study attempts to analyse the progress and performance of Kisan Credit Card Scheme in Assam. Kisan credit card is an innovative credit delivery mechanisms introduced in 1998-99 to promote financial inclusion in the country .The objective of the study are-1.To examine the inter-district variations in the disbursement of KCC across the states .2.To find out the reasons for slow progress of KCC scheme in the state and 3.  To provide suggestions for the proper implementations of the scheme. The study is based on both primary and secondary data. The secondary data necessary for the study have been collected from Annual Reports of NABARD ,Economic survey of Assam, SLBC Meetings report and from published and unpublished papers. The primary data was collected from 80 KCC beneficiary from the Chamoria  Block of Kamrup District of Assam through a Pre-structured questionnaire .The study have found that the performance of KCC scheme in Assam is not so impressive due to various constraints faced by the farmers as well as by the banking official. Only 20 per cent progress has been achieved in the state by introducing the KCC Scheme. Thus, Initiative should be taken by the Government as well as by the financial institutions by simplifying the documentations procedure for attracting more farmers, towards this scheme.