Question

small farmers are unable to access rural credit provided by banks due to​

Answer 1

Answer:

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The other reason why banks avoid lending to small farmers is that they are unable to price the loan as per the profile of the farmer or the commodity, observed Arindom Datta, Asia Head, Sustainability Banking, Rabobank Group.

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Answer 2

The small farmers are unable to access rural credit provided by banks since they do not have the proper documents and are unable to pay a surety for the loans provided by the banks

Explanation:

• The small time farmers are not able to access the loans provided to them due to the high rate of interest and also due to lack of education. Banks are not very eager to give loans to the small farmers since they are mostly unable to pay up the loan amounts.
• The other reason why the banks are not very eager about providing loans to the farmers are because they are unable understand the requirements of the the farmers and their profiles. Therefore they are not able to provide a suitable interest for the loans to them
• Rural credit by the banks have not been able to meet the needs and requirements of the small time farmers. The farmers are scared about falling into debt traps with the banks. They are also not able to provide the required documents and 'collateral' needed by the banks

To know more about rural credit by banks

Explain the role of Reserve Bank of India in rural credit.

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