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Title “Effects of Agricultural Micro-Credit on Socioeconomic Conditions in Azad Kashmir: A Cross-Sectional Analysis”

Author(s) Muhammad Hafeez Khan

Abstract The present study aims to investigate the effect of agriculture micro-credit on the socioeconomic status of farmers in Azad Kashmir. The study collects primary data from 210 borrowers of agriculture micro credit from Zarai Taraqiati Bank (ZTBL) and 85 non-borrowers who did not receive micro-credit from ZTBL. The study used a structured questionnaire to collect data on various socioeconomic characteristics of the borrowers, including income, savings, educational expenditure, and health expenditure, as well as demographic variables such as age, marital status, education, type of family, house condition, household size, land size, agriculture micro credit duration, and agriculture micro credit amount. The study found that the socioeconomic status of the farmers significantly affected the amount of agriculture micro credit. Factors such as marital status, household status, house condition, income, savings, and health level were found to have a significant effect on the amount of micro credit. Keywords: Agriculture Micro-credit, Income, Saving, Health expenditure, Education expenditure, ZTBL, Azad Kashmir, Farmers.

Type Thesis/Dissertation MS

Faculty Management Sciences

Department Economics

Language English

Publication Date 2023-07-19

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