A study on lending and recovery of agriculture loan practices at PACCS

T Deepika; Mr.R.Anbarasan

doi:10.36948/ijfmr.2025.v07i01.34466

A study on lending and recovery of agriculture loan practices at PACCS

Author(s)	T Deepika, Mr.R.Anbarasan
Country	India
Abstract	This study aims to explore the lending and recovery practices of Primary Agricultural Credi Cooperative Societies (PACCS), focusing on their impact on financial health and performance. The primary objective is to evaluate the overdue loans, their influence on the overall financial status of PACCS, and the measures taken by these institutions to recover such loans. The research investigates how overdue loans affect the liquidity, solvency, and profitability of PACCS, and the consequences of high loan default rates on their ability to operate sustainably. Additionally, the study examines the various recovery methods employed by PACCS, such as follow-ups, legal actions, and cooperative community-based interventions, assessing their effectiveness in reducing non-performing assets. A key component of this study is the evaluation of the factors leading to loan defaults, which can include borrower reluctance, external economic factors, and ineffective recovery strategies. By analysing these factors, the study identifies patterns in lending that contribute to financial instability within PACCS. Furthermore, it assesses the role of financial education and advisory services provided to borrowers as a potential means to reduce defaults and enhance repayment rates. Based on the findings, this study provides a set of recommendations aimed at improving lending procedures, strengthening recovery practices, and ensuring that PACCS remain financially healthy and sustainable. These recommendations could involve the implementation of more robust credit assessments, better borrower engagement programs, and the adoption of technology-driven solutions for monitoring loan performance and recovery. Through this comprehensive analysis, the study seeks to contribute to the development of more effective lending practices in rural credit institutions, promoting financial inclusion and rural economic development.
Keywords	Financial health, sustainability, liquidity and solvency, loan recovery strategies
Field	Business Administration
Published In	Volume 7, Issue 1, January-February 2025
Published On	2025-01-04
Cite This	A study on lending and recovery of agriculture loan practices at PACCS - T Deepika, Mr.R.Anbarasan - IJFMR Volume 7, Issue 1, January-February 2025. DOI 10.36948/ijfmr.2025.v07i01.34466
DOI	https://doi.org/10.36948/ijfmr.2025.v07i01.34466
Short DOI	https://doi.org/g82hhm

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A study on lending and recovery of agriculture loan practices at PACCS

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