
International Journal For Multidisciplinary Research
E-ISSN: 2582-2160
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A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal
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Volume 7 Issue 1
January-February 2025
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Challenges and Successes in Implementing the Kisan Credit Card Scheme: A Comparative Study among the Beneficiary Farmers of Punjab and Haryana
Author(s) | Kanupriya Kaushik, Dr. Seema Sharma |
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Country | India |
Abstract | This study aims to comparatively evaluate the impact of the Kisan Credit Card (KCC) scheme on the financial security and agricultural output of beneficiary farmers in Punjab and Haryana, identify the implementation challenges faced by beneficiary farmers, and recommend policy changes to improve its effectiveness and inclusiveness. This study adopted a descriptive research approach, relying on a survey-based quantitative research design to comparatively assess the successes and challenges faced by a group of 200 randomly selected farmers, taking 100 farmers from among the beneficiary farmers in both states. Using a paired sample t-test, the statistical analysis found a more profound positive impact of success dimensions, improved crop production (t=-2.64, p=.011), crop storage capacity (t=-8.90, p=.000), resource management (t=-4.54, p=.000), and relief of financial and psychological stress, among the beneficiary farmers of Haryana. In terms of improved socioeconomic conditions, farmers in Punjab (mean = 4.29) were slightly more satisfied than farmers in Haryana (mean = 4.13), but the difference was not significant (t=1.83, p=.069). Despite these achievements, the implementation of the KCC scheme also posed significant challenges to the beneficiary farmers, for which some policy changes are recommended by the researcher. This study contributes to the theoretical understanding of agricultural credit schemes by highlighting the differential impacts of policy implementation across states in different socio-economic contexts. It also provides practical insights for policymakers and financial institutions to design region-specific strategies that address farmers’ unique challenges and priorities. |
Keywords | Rural Credit Policy; Agricultural Financing; Kisan Credit Card; KCC Scheme; KCC Implementation in Punjab; KCC Implementation in Haryana. |
Field | Sociology > Economics |
Published In | Volume 7, Issue 1, January-February 2025 |
Published On | 2025-01-16 |
Cite This | Challenges and Successes in Implementing the Kisan Credit Card Scheme: A Comparative Study among the Beneficiary Farmers of Punjab and Haryana - Kanupriya Kaushik, Dr. Seema Sharma - IJFMR Volume 7, Issue 1, January-February 2025. DOI 10.36948/ijfmr.2025.v07i01.34941 |
DOI | https://doi.org/10.36948/ijfmr.2025.v07i01.34941 |
Short DOI | https://doi.org/g82gt4 |
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E-ISSN 2582-2160

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IJFMR DOI prefix is
10.36948/ijfmr
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