All-India rural credit survey: District monograph, Osmanabad

CREDIT AGENCIES 41
credit. The share of Government, already small in the outstanding debt, is not
any smaller in the borrowings. The loans from Government, thus, do not seem to
possess any special features from this standpoint. The same is more or less true
of the share of the co-operatives. Their share is slightly larger in the borrowings
than in the outstanding debt. This would indicate that the co-operative credit was
predominantly short-term. But their shares both in the borrowings and in the
outstanding debt are so small that a comparison between the two for this purpose
would not be trustworthy.
TABLE S.l-PERCENTAGE DISTRIBUTION OF BORROWING ACCORDING TO
CREDIT AGENCY
[General Schedule data)
PROPORTION 0' BORROWINOS ACCORDlIIO TO CBBDIT AGIINCY
Total
(PER CliNT)
bor.
row- Land·
Al!I"lcuI· Profes-
Traden
Group inll p.r
Govem-
Co-
BAllalords
turlst slonal
and Comf.mll,
ment
operatives
(To
money- moneycom-
mercial Othen
tlvea tenants)
lenden lenden
mission banks
(R.) only agents
--1---2--3--,--5--6--7--8- -11- -1-0-
---------I-----------
Big cultlvaton .. .... 112 1·6 1·1 22·6 0·5 18·0 8·5 16·3 - 1·4
Large cult1vaton ..•... 373 2·2 1'0 22·8 0·3 51·6 1·8 13·0 - 1·3
Medlnm cultlvaton .... 156 :·6 0·3 28·1 0·6 61·3 6·7 6·5 - :·3
Small cult1vaton .. .. I., 0·1 - 35·1 - 66·1 4·1 3·1 - 0·9
All cultlvaton .•.•.. 207 :·1 0·6 24·9 0·4 61·0 6·9 9'5 - 1·6
Non-cultlvaton ••• .. 61 0·1 - 32·9 0·4 63·1 8·8 4·4 - 0·3
All '.mlll •....... 142 1·7 O·S 26·S 0·4 53·1 7·3 I'S - 1·3
5.5 We shall now present the corresponding data from the intensive enquiry
on the sample of cultivators. We shall use these mainly to study the compositions
of the loans made by the different credit agencies according to the purpose of these
loans, the nature of the security demanded and the rates or" interest charged. For
this purpose, it will be necessary to cross-classify the loans made by the different
credit agencies according to the purpose, or by the security or by the rate of interest.
On account of the small size of the data from the intensive enquiry, it will not be
possible to obtain these cross-classifications for the cultivators of the upper strata
and for the cultivators of the lower strata separately. In subsequent discussion
we shall not, therefore, maintain the distinction between the two classes of cultivators
as we did in the pre.vious chapter while presenting the data from the intensive
enquiry; instead we shall present the data for all the cultivators put together. We
shall, nevertheless, maintain the distinction, as we did in the previous chapter,
between the amount outstanding for more than one year and the loans borrowed
during the year .. We shall keep distinct these two categories of loans and examine
their composition by the credit agency and by other characteristics.
5.6 We shall begin by examining the amounts remaining outstanding for
more than one year. In Table 5.3, we give their distribution according to the
credit agency and according to the purpose. The table is divided into two halves.
In the first half, we show the percentage distribution according to the purpose of