All-India rural credit survey: District monograph, Osmanabad

CREDIT NEEDS OF AGRICULTURE 37.
death ceremonies and for medical and educational expenses as appearing in the
intensive enquiry data is much larger than it does on the basis of the General
Schedule data. If the difference between the two sets of results is real, and is not
due to the smallness of the sample of cultivators chosen for the intensive enquiry,
it must be ascribed to the difference between the periods to which the two enquiries
related; in particular, it might be a concomitant of a general rise in the level of
indebtedne8B as was observed to have occurred during the period under report.
TABLE ".II-EXTENT OF BORROWING FOR FAMILY AND OTHER EXPENDITURE
[Intensive enquiry data]
·UPPER STRATA LOWER STRATA
CULTIVATORS CULTIV ATOM
ALL CULTIVATORS
Proportion Proportion Proportion
Expen- of ex pen- Expen- of expen- Expen- of ex pen-
Item of expenditure diture diture diture diture diture diture
per financed per financed per financed
family by bor- family by bor- family by borrowing
rowing rowing
Total family expenditure ...
Construction and repairs of resi·
dential hOIl8e8 and other
buildings ............••....
Purchase of household utensils,
(Ra) (Per cent) (Rs) (Per cent) (Rs) (Per cent)
1 2 3 4 5 6
----
6:M·2 20·4 277·7 J3·' ..55·' J8·4
87·2 24·4 18·4 - 52·8 20·1
furniture, etc ...•.•.•...•.. 5·0 - 1·2 92," 3·1 18·4
Death ceremonies .••.••.....• 8·3 13·5 0·1 - 4·2 13·'l
Marriage and other ceremonies .. 110·8 39·4 23·6 48·4 67·2 41·0
Medical expenses ....•.••..•.• 38·5 5'l'4 5·5 57·1 22·0 53·0
Educational expenses ..••..... 30·3 19·9 18·5 23·3 24·4 21·2
Clothing, shoes, bedding, et.o ... 315·8 9·6 210·4 8·5 263·1 9·1
Litigation charges .•.....••... 38·3 18·8 - - 19·1 18·8
Other expenditure
Repayment of old debts ••••••. 177·8 - - 105·2 13·4 141·5 4·9
Purchase of shA-res in co·operative
societies, banke, etc •.•. - - - - - -
4.21 The borrowing described 80 far· was all of cash loans. In addition to
these, the cultivators also reported having borrowed grain. Particulars regarding
these grain loans are given in Table 4.12. It will be seen that 7·4 per cent
of the cultivators had borrowed grain dUl'ing the year. This proportion was naturally
very small among the bigger cultivators; only 3·2 per cent of them borrowed grain
during the year. Among the smaller cultivators 11·5 per cent had borrowed grain.
The quantity borrowed per borrowing family was also much larger among the smaller
cultivators than·among the bigger cultivators. Practically the whole of the quantity
borrowed during the year was repaid and there was very little quantity remaining
outstanding at the end of the year. The grain ioans thus do not exhibit any abnormal
features.