Non-institutional Sources Research Articles

An Economic Analysis of Credit Utilization Pattern and Credit Gap for Grape Cultivation and Value Addition (Raisin Making) in Vijayapura District of Karnataka, India

Credit is an important factor triggering agricultural growth when it is utilized properly. The present study aims to analyze the credit utilization pattern and credit gap for grape cultivation and value addition (raisin making) in Vijayapura district, which is having the highest area under grape cultivation in Karnataka state. As the grape requires high maintenance expenses, its economic analysis is of great importance in its present status. The primary data was collected from 90 respondent grape farmers in the study area. The finding of the study revealed that the sample farmers borrowed an average of ₹ 1,46,883 from all the institutional sources for grape cultivation, and the utilization of borrowed institutional credit for grape production was ₹ 1,09,376 (74.5%), and ₹ 37,507 (25.5%) of borrowed institutional credit was diverted for raisin production. For raisin making the sample farmers borrowed a total of ₹ 1,67,372 in credit from non-institutional sources in the study area. ₹ 138,440 (82.72%) of borrowed non-institutional credit was utilized for raisin making and ₹ 28,932 (17.28%) of borrowed credit was diverted other purposes by the sample farmers. The total credit gap was found to be 58.49, 59.97, and 59.12 per cent from commercial banks, regional rural banks, and cooperative bank/societies respectively. The findings also indicated that the sample farmers used the borrowed institutional and non-institutional credit more effectively to increase their revenue, diverting it less often for other uses. Many farmers do not receive institutional credit in an adequate quantity, at the appropriate time, or at a reasonable cost. Therefore, there is a need to focus on existing access and the quantum of formal credit used for agricultural purposes by different farmers in rural areas of Vijayapura district.

Evaluation of Online Shoulder Instability-Related Patient Education Materials.

Background: Younger patients are more likely than older patients to experience shoulder instability and to rely on online educational resources. Although the Internet has increased patient access to medical information, this may not translate to increased health literacy. Purpose: We sought to analyze the quality and readability of online information on shoulder instability. Methods: We conducted a Google search using 6 terms related to shoulder instability. We collected the first 20 non-sponsored results for each term. Readability was evaluated using the Flesch Reading Ease (FRE), Flesch-Kincaid Grade Level (FKGL), and Gunning Fox Index (GFI) instruments. Quality was assessed using a Quality Grading Sheet (QGS) and the validated DISCERN instrument. Results: A total of 64 of 120 patient educational materials (PEMs) met the inclusion criteria. The mean FKGL, FRE, and GFI scores were 9.45 ± 0.552, 50.51 ± 3.4, and 11.5 ± 0.6, respectively. The mean DISCERN score and QGS rating were 33.09 ± 2.02 and 10.52 ± 1.28, respectively. While 49 (76.6%) articles discussed operative treatment for persistent shoulder instability, only 4 (6.3%) mentioned risks associated with surgery. Non-institutional sources had higher DISCERN scores than those from medical institutions. Conclusions: This review of online shoulder instability-related PEMs suggests that many do not meet current recommendations, with an average quality rating of "poor" and a mean ninth-grade reading level. Surgeons should be aware of the relative paucity of information on the risks and outcomes associated with operative treatment of shoulder instability contained in these PEMs.

A Study on the Profitability and Financial Performance of District Central Cooperative Banks in Tamil Nadu

Agriculture has a crucial role in the Indian economy. Institutional and non-institutional sources of agricultural loans exist in India. Institutional credit cooperatives play a significant role in the provision of finance to the agricultural sector. The formation of these societies dates back to 1904 when the first Cooperative Credit Societies Act was passed. The objective was to provide cheap credit to the farmers to relieve them from the clutches of money lenders are thought to be the foundations of the overall cooperative structure. Cooperative societies not only mobilize deposits and provide agricultural and rural credit but also extend credit to priority sectors of the country. Banks' profitability and financial operations are always solid as they expand services to subsidiaries. The present analysis is based on secondary data from the years 2012-13 to 2021-22. The growth of different parameters is done by using Compound Average Growth Rate (CAGR) and profitability and financial performance by using ratio analysis and regression analysis of the data. The poor financial condition affects the growth of banks due to their reliability, liquidity, and profitability. The present analysis is based on secondary data from the years 2012-13 to 2021-2022. This paper deals with the profitability and financial performance of District Central Cooperative Banks (DCCBs) in Tamil Nadu.

Fear and Dreams: Understanding the Non-Institutional Sources of Leader Strategy

Fear and Dreams: Understanding the Non-Institutional Sources of Leader Strategy

AGRARIAN DISTRESS: A CASE STUDY OF INDEBTEDNESS AMONGST FARMERS IN HARYANA STATE

This study addresses the critical issue of farmer indebtedness as the primary cause of agrarian distress in Haryana, India. The pervasive challenge of debt negatively impacts farmers’ livelihoods and agricultural sustainability, creating a cycle that hampers investment in modern farming technologies and sustainable practices. The study highlights the disproportionate access to credit, with institutional lenders favoring semi-medium, medium, and larger farmers, while small and marginalized farmers resort to non-institutional sources with higher interest rates. This unequal access perpetuates financial strain on the latter group. The findings emphasize the urgent need for government intervention and institutional support to assist marginalized and small farmers. The study advocates for comprehensive measures, including risk mitigation strategies, enhanced credit access, minimum support prices, and sustainable agricultural policies, to break the cycle of farmer debt and ensure the well-being of those crucial to our food systems.

Financial Inclusion among Agricultural Households in Uttarakhand

The present study has examined the extent of financial inclusion and constraints faced by agricultural households in Uttarakhand. The primary data were collected from 60 agricultural households through the personal interview method, supplemented by secondary data to accomplish the objective. The study found that all sample households were financially included in having a bank account. Despite having access to institutional credit, about 22 per cent of sample households also depended on non-institutional sources. Insurance coverage was found to be limited to 55 per cent of households. The usage of modern financial services like Internet banking, mobile banking, and UPI was very low. Major constraints faced by households under study were low income followed by lack of awareness, a requirement of collateral, claim settlement difficulties, irrelevant financial products, and long processing time for loans. Imparting financial education at the school level, organizing financial literacy camps at the village level, promoting insurance products and adopting a targeted approach will encourage the use of financial services among agricultural households.

Mapping Adaptive Capacity of Urban Residents: A Case Study of Rawalpindi, Pakistan

The study estimated the adaptive capacity ranking of urban union councils of Rawalpindi through composite index considering fifteen economic, social, and institutional indicators as drivers of adaptive capacity through a structured questionnaire. The required sample size was 385 households and questionnaires were distributed to the residents of thirty urban union councils at random. The results showed that union councils of MC Stadium Block B, Khayaban e Sir Syed (KSS) Sector III and New Katarian- I had adaptive capacity 709, 676, and 674 respectively. Lakhan union council was found to have the lowest adaptive capacity of 422. The difference between the lowest and the highest adaptive capacity is surprisingly high with the difference of 287. KSS Sector III had highest savings ratio as compared to other union councils. New Katarian-I was bestowed with institutional as well as non-institutional sources of loan. Lakhan was found to be weak in almost all indicators of adaptive capacity except availability of institutional and non-institutional sources of loan. Pakistan, with high mass urban population, needs to be well prepared for climate change risks as well as health hazards, therefore, new planned urban spaces are a dire need.

Mapping Adaptive Capacity of Urban Residents: A Case Study of Rawalpindi, Pakistan

The study estimated the adaptive capacity ranking of urban union councils ofRawalpindi through composite index considering fifteen economic, social, and institutionalindicators as drivers of adaptive capacity through a structured questionnaire. The requiredsample size was 385 households and questionnaires were distributed to the residents of thirtyurban union councils at random. The results showed that union councils of MC Stadium BlockB, Khayaban e Sir Syed (KSS) Sector III and New Katarian- I had adaptive capacity 709, 676,and 674 respectively. Lakhan union council was found to have the lowest adaptive capacity of422. The difference between the lowest and the highest adaptive capacity is surprisingly highwith the difference of 287. KSS Sector III had highest savings ratio as compared to other unioncouncils. New Katarian-I was bestowed with institutional as well as non-institutional sourcesof loan. Lakhan was found to be weak in almost all indicators of adaptive capacity exceptavailability of institutional and non-institutional sources of loan. Pakistan, with high massurban population, needs to be well prepared for climate change risks as well as health hazards,therefore, new planned urban spaces are a dire need.

Borrowing and Repayment Hardships: Evidences from Farmers in Haryana

Abstract Subject and purpose of work: The paper focuses on the problems faced by farmers in obtaining and repaying loans from institutional and non-institutional sources. Materials and methods: The study was conducted in Haryana state, India. It was based on a field survey involving 600 farmers. Proportionate sampling technique was employed and pre-tested schedules were filled during vis-a-vis interviews. Results: T he f indings o f t he s tudy h ighlight m ain p roblems f aced b y f armers i n a cquiring a nd repaying loans. They include: no loan without security, ambiguous terms and conditions, the time-consuming procedure of granting loans, not farmer friendly bank officials, and the request for bribes. In the case of non-institutional sources, main problems include: lack of security, deterioration of social status, and hesitation in mortgaging agricultural land. Furthermore, low price of agricultural produce, crop failure, and the high-interest rates charged by non-institutional sources were major constraints in the timely repayment of loan amounts. Conclusions: Several constraints existed in granting loans to farmers. Government should support and provide hassle free loans to farmers.

LIVES IN DEBT AND DISTRESS: A CASE STUDY ON INDEBTEDNESS OF FARMERS IN THE DRY ZONE OF HARYANA STATE, INDIA

The study has been conducted to measure the extent and burden of debt on farmers. The study has been conducted to measure the extent and burden of debt on farmers. The study revealed that an average amount of debt per sampled farmer, per owned acre and per operated acre is rupees 491975, 70838 and 62775 respectively. The real burden of debt is very high. Institutional as well as non-institutional sources played main role in loan disbursement to farmers. One third amount of loan is still being taken for non-productive purposes. <span style="text-decoration: underline;">Conclusions:</span> Farmers are trapped under debt. They are not in situation to rid of from indebtedness. Because, small size of land holding by ownership, non-productive loans and high rate of interests charged by non-institutional sources are the main causes of their indebtedness.

Challenges and Constraints Faced by Potato Growers Regarding Farm Credit Acquisition

Potato (Solanum tuberosum L.), widely considered as 'The king of vegetables', has been the most commonly cultivated food crop after rice, wheat and maize [1]. Potato growers were unable to meet the large expenses for cultivation from their own sources and they are bound to take credit from different sources due to high capital intensive nature of the crop [2]. They borrow credit in cash and kind from a number of sources. Coochbehar –II block has been selected purposively and a total of 100 potato growers were selected randomly from 5 villages. Primary data were collected using a pre-tested structured schedule. Ranking method and Garrett Ranking method were adopted to determine the problems and challenges encountered by potato growers with regards to farm credit acquisition. Among the institutional borrowers the main challenge is the unavailability of farm credit on time followed by insufficient credit limit, high interest rates charged by the financial institutes and delay in loan approval/disbursement, respectively. From the study area it was found that still lots of small and marginal farmers meet their credit needs from the non institutional sources and they are forced to pay a very high interest rate. For non institutional borrowers the major challenge is the fear of repayment/becoming defaulter followed by no proper land records, Small land holdings/no extra income source and collateral issues, respectively. The study suggests that financial institutes should come forward to meet the credit constraints and challenges faced by the potato farmers. Necessary steps must be taken care to reduce the rate of over-dependence on non-institutional sources by expanding its outreach to the corner most villages. The co-operative societies need to be expanded and strengthen to achieve maximum outreach to the small and marginal farmers. Repayment behavior needs to be inculcated to the borrowers to reduce willful default. Banks and co-operatives must regularly render counseling to the distressed farmers, which could sort out many of their constraints.

Think before you share: building a civic media literacy framework for everyday contexts

PurposeIn response to concerns about fake news (Allcott et al., 2019) and polarization (Wollebaek et al., 2019), youth media literacy interventions have emerged to teach strategies for assessing credibility of online news (McGrew et al., 2018) and producing media to mobilize others for civic goals (Kahne et al., 2016). However, in light of evidence that practices learned in classroom contexts do not reliably translate to the context of sharing social media (Middaugh, 2018), this study aims to provide a better understanding of youth social media practices needed to design meaningful and relevant educational experiences.Design/methodology/approachSemistructured interviews with a think-aloud component were conducted with a diverse sample of 18 California youth (15–24) to learn about factors that guide behavior as they access, endorse, share, comment and produce civic media.FindingsFindings suggest a shift toward reliance on incidental exposure and noninstitutional sources when accessing information and a tendency toward endorsement and circulation of posts (vs producing original posts) when engaging with civic issues on social media. As participants engaged in these practices, they not only applied judgments of credibility and civic impact but also concerned for personal relevance, relational considerations and fit with internet culture.Originality/valueThe authors recommend moving beyond models that reflect linear processes of effortful search, credibility analysis and production. Instead, the authors propose a new dynamic model of civic media literacy in which youth apply judgments of credibility, relational considerations, relevance to lived experience, civic impact and fit with internet culture as they receive, endorse, share, comment on and produce media in a nonlinear fashion.

Church History from the International Periphery: The South American Perspective

Church History from the International Periphery: The South American Perspective

English

Agricultural finance is needed for sustainable agricultural production and improved farm income. The study analysed the accessibility of institutional credit among poultry farmers in Rivers State. Specifically, it described the socio-economic features of the farmers, identified the institutionally-based agricultural credit sources and credit amount requested by farmers. Data was analysed using descriptive statistics and logit regression. Results showed that majority of the farmers (71.85%) were male, averagely 40 years old. The average household size of the farmers was 4 persons. Majority (66.67%) indicated they had tertiary education. Most (60%) of the farmers had access to credit through institutional sources of which 40.74% of them got the credit through cooperatives. On the other hand, less number of farmers (40%) accessed credit from non-institutional sources. The variables: Sex, credit awareness, education, and credit demand were significant influencers of credit accessibility. Major constraints limiting farmers’ access to credit included lack of understanding of existing agricultural credit programs, loan transaction costs, granted credit amounts that were too little, and excessive interest rates. The study suggests that relevant agencies should engage in creating greater awareness and enlightenment on available agricultural credits and how to obtain the agricultural loans and more so, the farmers should be encouraged to participate in cooperative groups. Key words: Agriculture, credit access, financial institutions, poultry, smallholder farmers.

The impact of COVID-19 on hospital-based workers influenza vaccination uptake: A two-year retrospective cohort study.

This study aimed at exploring 2020/2021 and 2019/2020 seasonal influenza vaccine uptake among healthcare and non-healthcare workers, hereafter hospital-based workers (HBWs); examining attitudes and motivations for uptake in the 2020/2021 season; and exploring the amount, types, and sources of information used by HBWs. A retrospective cohort study. Socio-demographics, working profile, working area, and vaccination status data were collected. Motivations for vaccination uptake in the 2020/2021 season were also explored. Descriptive and inferential statistics were used. Overall, uptake increased from 14.8% in 2019/2020 to 31.7% in 2020/2021. Male workers show greater vaccination uptake than their female counterparts (20.4% vs. 12.6% in 2019/2020, and 36.5% vs. 29.8% in 2020/2021). Uptake increased for healthcare assistants (+8.9%), administrative/managerial staff (+17%), nurses/midwives (+17.1%), non-medical graduate staff (+22.8%), and physicians (+33.2%), while it decreased slightly for resident physicians despite still being one of the most vaccinated categories (-4.6%). Main reasons for vaccination were the desire to protect patients (33.0%) and relatives (51.1%). Lastly, 60.8% of HBWs relied on institutional sources of information; the remainder relied on non-institutional sources including social media and chatting with colleagues. Vaccination uptake increased in the 2020/21 season. Tailored educational interventions are required on the impact of influenza in care settings, vaccine efficacy, and vaccination safety. Investments in improving HBWs' reliance on institutional sources, and their ability to find them, are also needed.

Indebtedness Among Farmers in Haryana State, India

Abstract Subject and purpose of work: The study aims to assess the nature, extent and sources of debt and the measures of the burden of debt on farmers. Materials and methods: The study was based on primary data collected (by field survey) from a sample of 600 farmers selected from Haryana state in India. With regards to the selection of farmers/respondents, a proportionate sampling technique was employed. For the analysis of the collected data, average (or mean value) and percentage techniques were used. The data were collected in January, February and March, 2021. Results: The study revealed that the average amount of debt per sampled farmer is 563 960 rupees. This amount of debt is very high. Institutional sources played a major role in loan disbursement to farmers. Of the total amount owed, one third of all the debt was incurred from non-institutional sources at a higher rate of interest; 67.03% was incurred for productive purposes and the remaining 32.97% of debt was incurred for non-productive purposes. Non-productive debt adds nothing to agricultural production. 67% of all farmers in the state belong to marginal and small farm-size category. Thus, at small size of land holdings, at higher rate of interest charged by non-institutional sources and non-productive loans are the main cause of farmer indebtedness. Conclusions: Farmers have been trapped under the burden of debt and are not in a situation to pay their loans back within the prescribed period of time.

Loan as a backbone for Agriculture: Evidence from Banks

The role of Agricultural financing is critical, as are the instruments utilized in agricultural production. The stress relatedto the main structural structure for agricultural-based loans was placed on the roots of understanding the significant importance of agricultural loans to sustain the core roots of agriculture production even after the start of the expected economic growth cycle in India. This paper intends to identify and discusses the scenarios of past and wishes of Indian farm finance area, origins and scale of farm-finance, and reviews the expansion of farming finance. The paper is concentrated on secondary information gathered from various sources and analyzed using descriptive statistical methods (if applicable). Farmers would always in of needing capital for both agricultural needs pertaining to productivity and unproductive use. Farmers need money. Centralized and non-institutional financing sources are the key sources of finance in agriculture. In recent years, the percentage share of agriculture financed backed by non-institutionalized platforms like traditional money lenders fell drastically at a point rate from 90,9% to 20,9%. For scheduled commercial banks with CGR 32.05, the very best lending rate was 32.05, while for co-operatives with CGR short-term loans rock bottom was 13,57%. For long-term loans, for Planned Commercial Banks with CGR 22,74 the typical outstanding debt was 22,74, while for Co-operatives it had been 2.81% CGR rock bottom . The percentile share of agricultural credits slowly increased in time within the agricultural GDP after the 1950s than as a part of GDP as entire until the 1980s. Advice for lenders on the interior formalities of monetary institutions should improve access to institutional loans further. Microfinance and Kisan Credit Cards (KCC) should be adopted and simplified so as to alleviate the suffering of low, poor, and simply linked tribal farmers within the Self Help Group (SHG).

Exposure to Campus Messages about Dating and Sexual Violence: A Latent Class Analysis.

This study investigates college students' exposure to messages about campus dating and sexual violence (DSV) to discover classes of students based on the message source. Latent class analysis was performed with data assessing 5,284 students' exposure to 16 different sources of information regarding DSV, from having a professor discuss these topics to participating in related campus events. Several variables were included in the analysis to understand students' class membership in relation to pertinent student demographic factors. The best model indicated that there are five classes of students based on their exposure to messages, with some subgroups of students having high exposure to various sources of messages about DSV while others have low exposure. Still other subgroups are primarily exposed to messages through nonactive or noninstitutional sources of information. Subgroups of students, based on their exposure to DSV messaging, also differ regarding demographic makeup. The implications from these results include the need to tailor DSV programming on campus to subgroups of students based on their varying baseline levels of message exposure. As students are exposed to messaging through differing sources, including passive and noninstitutional, institutions can use this information when designing outreach efforts to better fit with the needs of various subgroups of students.

Financial Access and Gender Gap in Entrepreneurship and Employment: Evidence from Rural India

Can expansion of bank branch network reduce gender-gap in economic activity at the village level? To explore this issue, we construct a novel village-level panel data where we observe the financial access of each unbanked village in India defined as its distance to the nearest village/town with bank branch (banked-center) from 1951-2019; and village-level enterprise data of four economic census rounds of 1990, 1998, 2005 and 2013. To account for endogeneity in placement of bank branches, we use a difference-in-difference methodology. We find that the presence of a bank branch within 5km of an un-banked village between 2005 and 2013 (Treatment Group) mitigated the gender gap in entrepreneurship, and employment. The increase in number of female enterprises and in the size of female employment occurs fully driven by non-agricultural sector, whereas a shift is observed in male entrepreneurship from agricultural to non-agricultural sector. We also find evidence that this transition may be a consequence of credit uptake by enterprises from non-institutional sources as proximity to a banked-center improves. Our results are robust to unobservable village and year effects, and presence of alternative village-level infrastructure.

Credit Participation among Rural Households in North Eastern India with special reference to Meghalaya

This study is an attempt to examine the status of credit participation among rural households in NER and Meghalaya by using data sources from national surveys like All India Debt and Investment Survey (AIDIS) as well as primary data collected from Meghalaya. These surveys report that the majority of rural households in NER are indebted to institutional sources, mostly banks. Another main finding of the study is that there has been a reduction in the importance of non-institutional sources of credit in the states of the region except in Manipur. Money lenders do not occupy an important place in the rural credit markets of NER as compared to the importance of this source at the national level. Rural and agricultural households of the region have instead relied heavily on friends and relatives for disbursement of credit. In Meghalaya, the rate of participation in rural credit markets is quite low, reasons being lack of awareness and apprehension towards debt. However, household characteristics like gender of head of household, education level of the spouse, main occupation of the household, asset ownership, having a bank account and being a member of any social organization are factors that have been found to be associated with credit participation among rural households in the state.