Extension Agency Contact Research Articles

Examining the Operational Efficiency and Socio-Economic Influence of Farmer Producer Organizations (Fpos) in Telangana's Agricultural Sector

The study investigates the effectiveness and impact of Farmer Producer Organisations (FPOs) in Telangana, focusing on socio-economic profiles, service effectiveness, and beneficiary attitudes. Three FPOs in Warangal, Hanumakonda, Yadadri Bhongir, and Kodangal were selected based on government certification. A sample size of 300 beneficiaries was interviewed, revealing characteristics such as education level, occupation, and income. Analysis shows moderate levels of extension agency contact, information utilization, and market orientation. Beneficiaries’ express satisfaction with enabled services, particularly market information dissemination. Notably, services like technology dissemination and procurement of inputs yield significant benefits, while areas like export and commodity exchanges lag. Overall effectiveness of FPO services is 80.02%. Impact assessment indicates medium to high levels of socioeconomic change post-FPO participation, including increased income, savings, and social benefits.

Impact of Training on Modern Machineries and Improved Agricultural Technologies towards Cognitive Assessment of Farmers

In the era of fast changing technology, training has become an integrated part of investment for accelerating transfer of technology to people of all walks of life. The well-established network of organizations spread over the length and breadth of the country. The budget spent on training has tremendously increased over the past few years. with this background the study under taken at Trichy district, Tamil Nadu state of a country India by employing purposive sampling procedure. Agricultural Engineering College & Research Institute, Kumulur is one of the constituent colleges of Tamil Nadu Agricultural University located in Trichy. It is a pioneer institute in Tamil Nadu doing research on Agricultural Engineering technologies and Machinery. It is being chosen by the Tamil Nadu Govt. for state level capacity development trainings of farmers under the Agricultural Technology Management Agency and Agrl. Engineering Department (AED). Using simple random sampling procedure 10 farmers (trainees) were selected from 18 Districts of Tamil Nadu who were visited the institution during the study period. (180 sample size). The major objectives, as study of socioeconomic profile and knowledge assessment during pre and post training on Farm Machineries, Bio-energy, Agricultural Processing, Soil and Water Conservation, Drip irrigation and improved Agricultural sciences. Among 180 respondents, Majority of them were old age group (38.89 %) studied primary education (30.00 %) equally spread in marginal and small land holdings (around 75 %), possessed high level of farming experience (38.89 %) had medium level of extension agency contact (47.78 %), possessed medium level of Information seeking behaviour (53.89 %) with a medium level of Innovativeness (42.78 %). Knowledge test was assessed prior to training, among 180 respondents, Majority of farmers belonged to the medium level of knowledge category on all six categories and the after training knowledge test showed that the respondents belonged to low level were distributed in medium to high level of knowledge category and the medium level was elevated to high level category. The alternate hypothesis (H1)was proved through ‘ t’ test that there was a significant difference prevailed in the knowledge level of the respondents acquired through the trainings conducted on the recently developed Agrl. Technologies and modern machineries.

Awareness and Utilization of Various Weather Based Advisory Services in Western Zone of Tamil Nadu, India

Weather-centric crop advisory services offer timely updates on weather trends, crop condition, and recommended actions, empowering farmers to make knowledgeable choices regarding diverse crop management techniques. This ultimately results in improved yields and augmented income. This study was carried out to find the Awareness and Utilization level of various Weather Agro advisory services disseminated through various sources among the farmers. Ex post facto research Design was followed in the study. The Salem and Coimbatore district were purposively selected because dissemination of weather information to the farmers in the district through District Agromet units (DAMU). Based on simple random sampling technique 120 respondents were taken for the study. The responses were interpreted using frequency and percentage analysis. Correlation was used to find the relationship between the independent variables and dependent variables using the Statistical packages for Social Sciences (SPSS) software. The result indicates that there was medium level of awareness about 67.5 per cent of respondents and utilization level of about 71.67 per cent of respondents. The variables such as education, extension agency contact, use of media tools, source of weather information are significant and positively correlated to Awareness and utilization The Weather forecast information credibility and accuracy can be increased to high level of awareness and utilization by providing the credible weather data on timely basis.

Constraints Faced by the Groundnut Growers in Adoption of Cluster Frontline Demonstration of Villupuram District

India is one of the largest producers of oilseeds in the world and occupies an important position in the Indian agricultural economy. The productivity of groundnut farming is currently declining due to pest and disease attacks, use of old and traditional low-yielding varieties. To tackle the issues demonstrations on cluster mode are essential. Cluster Frontline Demonstration (CFLD) is conducted by Subject Matter Specialists (SMSs) and scientists in a systemic manner on selected farmers field to spread the new variety and groundnut production technologies. The ICAR- KVK, Tindivanam had organized CFLDs on groundnut crop in two villages viz., Nolambur and Kilmavilangai. Therefore, the study aimed to know the profile characteristics of CFLD beneficiary farmers and to encounter the major constraints faced by groundnut growers. To get an adequate sample size, 60 CFLD beneficiaries were selected randomly for the present study. The data were collected by using a pre-tested interview schedule. Garrett’s ranking technique and percentage analysis were used to analyze the data for meaning interpretation. The majority of beneficiaries belonged to middle age category (61.66%), majority of male beneficiaries (80.00%), educated upto middle school (40.00%), land holdings of 1 to 2 ha (68.33%) as small land, 20- 30 years of farming experience in oilseeds (80.00%), participated in one training (66.67%), medium level of extension agency contact (66.67%) and mass media exposure (56.67%), 55 per cent of farmers were adopted new practices after the successful adoption of other members. The major constraints include poor labour availability, poor transport facilities, lack of proper marketing channels and lack of technical knowledge. Hence, CFLD showed that medium to high level profile characteristics and improved adoption of new technologies.

Adoption Behavior among Farmers of Tamil Nadu towards District Agro-meteorology Unit (DAMU) Agro Advisory Services in Agriculture and Allied Sectors

An ex post facto research was undertaken during 2022 to assess farmers' adoption of District Agro-Meteorology Unit (DAMU) Agro Advisory Services (AAS) in Cuddalore, Ramnad, and Aruppukottai districts of Tamil Nadu with sample size of 180. Data was collected using a standardized questionnaire. DAMU offers specialized weather information to support local agricultural activities. The study revealed that 70 per cent of farmers fall into the "Medium" adoption category adopting weather-based timing for planting, harvesting, and irrigation. The respondents fully adopt the practice of scheduling sowing time using weather-based farm advisories (77.78%), 62.22 per cent adopt the practice of scheduling harvesting operations, illustrating a substantial majority using this approach to enhance efficiency and yield during crop harvesting and 56.67 per cent fully adopt the practice of scheduling supplementary irrigation. The farmers attributes viz., education status, annual income, extension agency contact, extension participation, mass media participation, information seeking behaviour, knowledge level and perception had shown a positive and significant correlation with the dependent variable adoption of DAMU services at one per cent level of significance. The study revealed that traits like media engagement, scientific thinking and information seeking are closely tied to DAMU AAS adoption, along with extension involvement, knowledge, and perception, contributing to a notable 68.30% variance in adoption.

Analysis of Resource Management by Farmers in Different Farming Situations in Karnataka

The study was conducted during 2018-19 in three districts (Mandya, Chikkaballapur and Tumakuru) of Karnataka where two taluks were selected to assess the resource management of assured, protected and rainfed farming situation farmers, 180 respondents were selected using purposive random sampling method. Data was collected using structured interview schedule through personal interview method. The collected data was tabulated and analyzed using percentages, correlation and regression. Ex-post facto research design was employed for the study. The fi ndings revealed that farmers in protected farming situations had obtained relatively higher mean indices (0.0515) followed by rainfed farming situation (0.0151) and assured farming situation (0.0109) respectively. In dimension wise Natural resource management, protected farming situation obtained highest index (0.0388) than the pooled sample (0.0346) followed by rainfed (0.0362). Independent variable farming experience (r=0.339) had positive and highly signifi cant relationship with resource management at one per cent level in assured farming situation. Independent variables viz., farming experience, farming commitment, achievement motivation, mass media exposure, innovativeness, scientifi c orientation, extension participation, extension agency contact, time management, land holding, decision making ability, cosmopoliteness and annual income had signifi cantly contributed to the resource management of farmers

Knowledge Level of Farmers Regarding Demonstrated Groundnut Production Technologies

Krishi Vigyan Kendras (KVK) Bikaner continuously conducting the Cluster Front Line Demonstrations (CFLD) on groundnut since last fi ve years (2016-2020) to enhance the rate of adoption of groundnut production technologies. An eff ort has been made to know the impact of CFLD on groundnut growing farmers in terms of knowledge level and association of socio-economic profi le of farmers with knowledge level. The Study was carried out in two tehsils Kolayat and Bikaner of Bikaner district of Rajasthan State. The proportionate random sampling method was used to select 160 respondents i.e., 80 benefi ciary and 80 non-benefi ciary respondents. The results of this study were concluded that majority of the respondents had medium level of knowledge about CFLD in the study area. They had highest knowledge about the aspect of “harvesting” and least about “time of sowing”. There was signifi cant association found between education, mass media exposure and extension agency contact, information seeking behaviour and information sharing behaviour with the knowledge level of the respondents.

Study on Extent of Extension Agency Contact among the Rural Youth of Andhra Pradesh, India

India is the second most populous country in the world and likely to cross China to become the first. India is one of the countries with youngest population with about more than fifty percent of the population were under 25 years of age and above sixty five percent under the age of 65 years. Majority of the country’s youth lives in the villages. India relies on its young minds for the progress and development. Thus, it is necessary to study the characteristics of rural youth and in the present study extension agency contact of rural youth was elucidated. Extension agency contact refers to the extent of contact with various government and private extension professionals in order to get information that improves their socio-economic conditions. An Ex-post facto research design was adopted for the study. Two districts were selected for the study each from Coastal Andhra and Rayalaseema. East Godavari district was selected from Coastal Andhra and Chittoor district was selected from Rayalaseema purposively based on the rural population. The study revealed that more than two-thirds of the respondents (68.75 per cent) had medium level of extension contact, less than one-fifth of the respondents (17.50 per cent) had low level of extension contact and little more than one-eighth of the respondents (13.75 per cent) had high level of extension contact.

Socio-economic, Communication and Psychological Characteristics of the Farmers using Mobile based Agro-advisory Services

The present study were carried out in Etah and Firozabad district of Uttar Pradesh state to know the socio-economic, communication and psychological characteristics of farmers using mobile based Agro-advisory Services. Descriptive as well as Analytical research design was adopted for the present study to make a critical evaluation. A total of 40 percent of respondents from the sampling frame were chosen for the study. Thus, the final sample size comprised of 180 (40% of 450) respondents. The method of proportional allocation in stratified random sampling procedure was adopted for the selection of respondents. The results revealed that most of the registered farmers were middle aged (54.44%) and all of them were male, had educational qualification up to higher secondary level (25%). Majority of the households mainly relied on farming as their main source of income (86.11%) and belonged to medium level of annual income (65.50%). They had land up to 4 hectares (50.60%), fellow farmers were most popular, and vast majority (98.90%) of farmers contacted them to get agricultural information, most of respondents (67.78%) owned two to three communication media. It was also found that 62.22 percent had medium level of mass media exposure and about 43.90 percent of the respondents had low level of extension agency contact, less than half (42.80%) of respondents had high economic motivation and decision making ability (40.60%). Only 38.90 per cent of respondents had medium level of achievement motivation.

Assessment of Profile Characteristics and Factors Determining the Membership of Farmers in Tamil Nadu Banana Producer Company (TNBPC) a Study in Trichy district of Tamil Nadu

The majority of Indian farmers face issues such as decreased agricultural production, lower resource use efficiency, and lower farm revenue. Farmer Producer Organizations (FPOs) which are based on the concepts of economies of scale and collective action, have arisen as a golden ray of hope for alleviating these challenges. In light of these facts, the present study was carried out to examine socio-personal, socio-economic, socio-psychological characteristics and the factors determining their membership with the sample respondents of 132. The sample was selected through proportionate random sampling from five villages of Thottiyam block in Trichy district of Tamil Nadu. The findings revealed that majority of the farmers were middle aged with most of the members having been educated and medium level of annual income. Farming was the primary occupation for majority of the members with big farm size and medium level of annual income, farmer groups experience, training, institutional support and extension agency contact. There also exists medium level of market perception, group interaction, group leadership, self -confidence, attitude towards group activity, participation in group activities, achievement motivation and group cohesiveness. The findings also revealed that getting better price for their produce was the major economic factor determining their membership followed by participatory decision making as the major social factor, to make use of government schemes as major organizational factor and providing market linkages as the major marketing factor determining their membership. FPO operations must be promoted and supported in order to instill competition among farmers and raise their share and profit in agricultural enterprises.

Awareness on Soil Health Management Scheme by Farmers of Tumakuru District in Karnataka

The present study was carried out in 23 Raitha Samparka Kendras inGubbi ,Kunigal, Madhugiri and Tumakuru taluks of Tumakuru district in Karnataka state to know the extent of awareness of farmers regarding Soil Health Management Scheme (SHMS). Thirty beneficiary farmers of SHMS were randomly selected from 12 RSKs for the study. A pre-tested schedule was used to collect relevant data from the respondents. The results revealed that half of the beneficiary farmers (50.00%) had more awareness about SHMS, whereas one-third (33.33%) and 16.67 per cent of the beneficiary farmers were awareness and less awareness regarding the SHMS, respectively. A vast majority of the farmers were aware of the objectives, interventions, mode of operation, selection criteria of beneficiaries and subsidy on various agricultural inputs pertaining to SHMS.A simple majority of the farmers (53.33%) had contacted Assistant Agricultural Officer for obtaining information on SHMS, while half of the farmers (50.00% each) had contacted Agricultural Officer and Agricultural Assistant for obtaining information regarding SHMS. The results of path analysis revealed that extension agency contact of farmers had direct and indirect effect on the extent of awareness on SHMS. The first, second and third largest indirect effect channelled through is extension agency contact (X9) in the case of five variables, mass media participation (X8) in the case of five variables and education (X1) in the case of three variables, respectively.

Relationship between Independent Variables and Training Needs of Farmers about Recommended Turmeric Cultivation Practices

Erode district is well known for turmeric production and turmeric market in entire country. This study was conducted in Erode district of Tamil Nadu. Erode district consists of nine taluks. Among nine taluks, Erode taluk was selected. Erode taluk has two blocks and among the two blocks, Kodumudi has more area under turmeric cultivation. Therefore, Kodumudi block was selected purposively. Kodumudi block comprises of twenty-four revenue villages. Among the twenty-four villages, five villages were selected for the study purpose. From each selected village, total sample of 120 turmeric growers were selected through proportionate simple random sampling technique. Thirteen independent variables were selected and analyzed to identify its relationship with dependent variable (training needs). From the above study it may be concluded that that educational status, farming experience, extension agency contact, trainings undergone, innovativeness, and scientific orientation were found to have positive and significant relationship with the training needs of turmeric growers about recommended turmeric cultivation practices.

Knowledge of Aromatic Black Rice Growers Regarding Benefits Provided under Mission Organic Value Chain Development Scheme

The present study was carried out during 2020-21 in Thoubal and Bishnupur districts of Manipur state to assess the knowledge of aromatic black rice growers regarding the benefits provided under the Mission Organic Value Chain Development Scheme (MOVCDS). One hundred eighty aromatic black rice growers were interviewed for the study using a pre-tested interview schedule. The results revealed that a vast majority of over 85.00 per cent of the aromatic black rice growers had correct knowledge regarding the various benefits provided under MOVCDS. Education, organic farming experience, livestock possession, crop productivity, achievement motivation, aspiration, management orientation, economic motivation, risk orientation, innovative proneness, mass media exposure, training on organic farming, extension agency contact, and extension participation of aromatic black rice growers have significantly contributed in increasing the knowledge level of aromatic black rice growers regarding the benefits provided under MOVCDS. Further, extension agency contact, extension participation, and training on organic farming of aromatic black rice growers were found to be having the direct effect, indirect effect, and largest indirect effect in increasing the knowledge regarding the benefits provided under MOVCDS. The research finding validates the importance of training, extension participation, and extension agency contact in any social intervention to enhance the knowledge of the beneficiaries regarding the scheme or intervention.

A Comparative Study on Profile Characteristics of Farm Men and Women in Paddy Cultivation: A Study in Shivamogga District

The slogan “RICE is life” is most appropriate for India as this crop plays a vital role in our national food security and is a means of livelihood for millions of rural households. Major Rice growing districts of Karnataka are Bellary, Davangere, Mysore, Mandya, and Shivamogga. The study was conducted in Shivamogga district since Shivamogga district comes under medium productive region of Karnataka state. The study revealed that one third (38.33 %) of farm men had a high level of education whereas, less than half of the respondents (43.34 %) of farm women had a medium level of education. A little more than half (50.00 %) of farm men and farm women belonged to small-sized landholding categories. Concerning extension contact, it is observed that a more significant number (53.33%) of farm men had a medium level of extension agency contact, nearly half (46.57 %) of farm women had a low level of extension contact. Most (43.34 %) of the farm men and around forty percent of farm women had medium-level extension participation. It is evident from the study that farm women stay lower in most of the profile characters than men and there exists a diversification in socio-economic status, psychological behavior and participative nature of farm men and women due to various gender issues. Hence, this paper throws a light on the comparison of profile characteristics of farm men and farm women who are paddy growers of shivamogga district, where it clearly depicts the profile characters that are low in women than men and that can be taken as a lead to educate the male dominated family to find out the push factors missing for farmwomen and the best way it can be improved. It also helps the policy makers and extension agents to concentrate more on women to improve their socio-economic, psychological and communicational characters in society by suggesting location specific feasible solutions, that further improves the efficiency of farm men and women in paddy cultivation.

Deciphering the attitude of farmers towards solar powered water pumping systems: Lessons from Rajasthan

This study was an attempt to analyze the attitude of farmers towards solar-powered water pumping systems. The present study was conducted in the Bikaner district of Rajasthan state, which was selected purposely. The Bikaner district consists of eight tehsils; out of these, two tehsils, namely Kolayat and Poogal, were purposely selected for the present investigation based on the highest number of solar-powered water pumping systems installed during 2013–17. Further, one gram panchayat from each selected tehsil, namely Phoolasar from Kolayat and Shivnagar from Poogal, were selected purposely based on the highest number of solar-powered water pumping systems installed. The proportionate random sampling method was used to determine the user respondents, and they were called beneficiaries of the solar-powered water pumping system because they have installed it. Further, an equal number of non-beneficiary respondents from the same gram panchayats were also selected randomly who have not installed solar-powered water pumping systems, and they were called non-beneficiary respondents. Thus, 120 respondents, i.e. 60 beneficiary and 60 non-beneficiary respondents, were selected from the selected gram panchayats for the present investigation. The study's findings revealed that most of the beneficiary, non-beneficiary and overall respondents had a neutral attitude towards solar-powered water pumping systems. In the case of beneficiary respondents, “by the use of solar technologies energy crisis can be solved” had ranked first. While, in the case of non-beneficiary and overall respondents, “use of these technologies requires more skill” had ranked first. Education, annual income, occupation, extension agency contact and mass media exposure were found to be positively and significantly associated with the attitude of respondents towards solar-powered water pumping systems.

Knowledge of Beneficiaries about Pradhan Mantri Fasal Bima Yojanain Tumkur District of Karnataka

Pradhan Mantri Fasal Bima Yojna (PMFBY) is a crop-based insurance policy designed to help farmers who have suffered crop loss or damage. During the year 2020-21, a research conducted in the Tumkur district of Karnataka the showed the highest number of insurance units (895) compared to other districts of the Karnataka . The findings of the study revealed that the majority of the beneficiaries (52.50 %) had a medium knowledge level about Pradhan Mantri Fasal Bima Yojana. The study’s findings underline the importance of profile characteristics namely education, landholding, material possession, extension agency contact, source of information, innovativeness, training attended, economic motivation and mass media exposure that had a positively significant relationship at one per cent level of probability. Whereas variables such as annual income and social participation had a positively significant relationship at five per cent level of probability with beneficiaries’ level of knowledge. On the other hand, Crop loan availability and disaster occurrence pattern had no significant relationship with the knowledge level of the beneficiaries about Pradhan Mantri Fasal Bima Yojana.

Constraints Perceived by Buffalo Farmers in Interaction with Information Providing Stakeholders

The present study was conducted in Haryana. The 120 buffalo farmers from twelve villages constituted the sample size for the present study. An ex-post facto research design was used for the study. Farmers were asked to rank the constraints that they faced in their interaction with stakeholders. The constraints were studied under four subheads viz., farmers related, extension related, veterinary and infrastructure-related, and other constraints. It was found that low extension agency contact and lack of information about stakeholders were the most important farmers’ related constraints. Most serious extension-related constraints were less focus of state department of animal husbandry personnel on extension activities, unavailability of information in the local language, poor availability of buffalo related literature. The most severe veterinary and infrastructural constraints were lack of rapport of farmers with veterinary surgeons, less availability of veterinary surgeons, inadequate number of veterinary functionaries. Less information on marketing channels, less information on credit/loan, source of credit availability were other most serious constraints that were acting as impediments in their interaction with stakeholders. The perceived constraints can be overcome by increasing extension agency contact, increasing social participation, availing more communication media to the farmers, providing buffalo related literature in the local language, increasing the number of veterinarians per thousand animals, off-campus training, efficient management of cooperatives, more information on market and farm credit, need-based information, and context-specific information to the farmers. The findings of the present research would provide new insights about the impediments in the interaction of buffalo farmers with stakeholders.

Knowledge level of farmers about soil health card scheme

Major part of Indian economy is contributed by agriculture and its allied sector. Around 56 per cent of population directly or indirectly depends upon agriculture. The GDP contribution of the agriculture and allied sector is about17.8 per cent but this sector is facing many challenges to flourish. Out of these challenges, lesser crop productivity and inefficient use of fertilizers are the main challenges faced by Indian farmers. Till now, fertilizer recommendations for different crops are made on the basis of agronomical practices and not on the soil test basis. This has led to nutritional deficiencies and decrease in soil fertility in some parts of the country. Hence, to improve the soil health and boost productivity it has become necessary to nurture the soil. In the wake of this, Government has launched the soil health card scheme in February, 2015. Under this scheme farmers are issued a soil health card which carries crop-wise recommendation of nutrients and fertilizer required for individual farm. Soil health card makes the farmers aware about soil health of their farm and help them to improve productivity by maintaining soil health. Thus, to measure the knowledge level of respondents about SHCs the present study was conducted in Sri Ganganagar district of Rajasthan state which was selected purposely. The Sri Ganganagar district consists of nine tehsils, Out of these, three tehsils namely Padampur, Sadulshahar and Karanpur were purposely selected for the present investigation on the basis of highest number of registered farmers under SHCs. The proportionate random sampling method was used to select the registered farmers and they were called as beneficiary of Soil Health Card scheme because they have benefited under Soil Health Card scheme. Further, equal number of non-beneficiary respondents from same tehsils were also selected randomly who have not benefited under Soil Health Card scheme and they were called as non-beneficiary respondents. Thus, total 120 respondents i.e. 60 beneficiary and 60 non-beneficiary respondents were selected from selected tehsils for the present investigation. The results of the study revealed that majority of respondents in the study area had medium level of knowledge about SHCs. They had highest knowledge about the aspect of “information regarding soil sampling” and least knowledge about “general information regarding key features”. There was significant association found between education, occupation, annual income, mass media exposure and extension agency contact with knowledge level of the farmers.

Relationship between the profile characteristics of homestead vegetable growers with the extent of knowledge and rate of adoption

The productivity from homesteads may vary based on the effective adoption process, which can only be achieved if farmers had sufficient awareness and knowledge on different cultivation practices.The scale of knowledge and rate of adoption of various vegetable production practices may vary from person to person.Their personal characteristic has a significant role on the acceptance and adoption of a practice. Hence, the present study was conducted in the randomly selected 120 homesteads in Kollam district to understand the relationship between the profile characteristics of homestead vegetable growers with their extent of knowledge and rate of adoption of vegetable production practices. This will help the extension workers and policy makers to formulate new policies based on their profile characteristics. From the analysis conducted it was found that among the selected independent variables education and economic motivation were positively and significantly correlated to scale of knowledge at 5 per cent. Whereas the variables, experience in vegetable cultivation, extension agency contact, information seeking behaviour, social participation and training were positively and significantly correlated to scale of knowledge at 1 per cent level of significance.Among independent variables of occupational status, economic motivation, family labour utilization were positively and significantly correlated to extent of adoption at 5 per cent. Whereas the variables experience in vegetable cultivation, extension agency contact, information seeking behaviour, social participation, and training were significantly correlated to extent of adoption at 1 per cent.

A study on agricultural credit in adoption of technology in banana cultivating farms in Tamil Nadu

Agriculture as a primary sector continues to play a dominant role in increasing the growth and development of Indian economy and it is important to revitalize the agricultural sector, for which agricultural investment flow is necessitated in the agriculture sector. In order to increase the investment flow to agriculture sector, institutional credit has contributed greatly right from the ‘Green Revolution Period’. Agricultural credit helps farmers to go for short-term credit for purchase of high cost inputs and other services and for making investment on capital assets with the support of long term credit facility. Further, for adoption of new technological inputs and enhancing farm productivity farm finance becomes inevitable. Probit model was used to find out the impact of credit on technology adoption. The probit analysis was done between short term borrowers, growing tissue culture (technology adopter) and conventional varieties of growing banana (technology non adopter). Independent variables included in the model were: age, education, experience, amount of credit borrowed, family size, number of extension contacts, farm size ,total farm income and distance to formal and informal financial institution probit model was used for evaluating the factors determining adoption of tissue culture banana- a new technology in banana cultivation among sample respondents. The co-efficient of credit amount borrowed was 0.05 which implied that increase in credit amount by one unit would increase 5 per cent in the probability of adoption of tissue culture technology. The marginal effect of credit amount borrowed was 0.36 which showed that an unit increase in the amount borrowed would result in 36 per cent increase in technology adoption. And also the study found out that Increase in farm income and extension agency contact have positive effect on technology adoption.