• Dr.N.Sakthivel
• Dr.P.Komaladevi

This study aims to examine the determinants of access to agricultural credit and to evaluate the level of awareness of farmers about agricultural credit in Gobichettipalayam taluk of Erode District, Tamil Nadu. The study used primary data which were collected from 300 sample farmers who have been selected by using Non-random purposive sampling method. The required primary data were collected from the sample farmers by using a well structured and  pre-tested Interview schedule. For analyzing the primary data collected from the sample farmers, statistical techniques such as Garrett’s Ranking technique, Percentage analysis and Chi-square test have been applied. The results revealed that Government subsidies, Financial assistance and ability to purchase agricultural equipment are the major determinants in accessing the agricultural credit and it is also revealed that out of 300 sample farmers, 60 percent of the sample farmers have low level of awareness about various aspects of agricultural credit. The study concluded that the awareness level of farmers about various aspects of agricultural credit can be improved through several strategies, including the implementation of Government outreach programs, financial literacy campaigns, and the use of agricultural extension services to directly engage with farmers. Additionally, creating digital platforms or mobile apps for easy access to credit-related information, fostering collaboration between financial institutions and farmers, and training rural bank employees to provide clear guidance on loan applications would help improve awareness. Simplifying the loan application process and offering support to farmers throughout the process would further enhance their ability to access agricultural credit and ultimately improve agricultural productivity.

Agricultural Credit, Determinants, Awareness, Farmers

"FARMERS’ INSIGHT: UNDERSTANDING DETERMINANTS AND AWARENESS ON AGRICULTURAL CREDIT", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 11, page no.f275-f290, November-2024, Available :http://www.jetir.org/papers/JETIR2411530.pdf

"FARMERS’ INSIGHT: UNDERSTANDING DETERMINANTS AND AWARENESS ON AGRICULTURAL CREDIT", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 11, page no. ppf275-f290, November-2024, Available at : http://www.jetir.org/papers/JETIR2411530.pdf