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Nikhil Govind Malali

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Jul 2026

Institutional Agricultural Credit and Utilisation Behaviour: Evidence from Farm Households in Karnataka

Institutional agricultural credit enhances farm productivity; however, its impact depends on how effectively borrowed funds are utilised. The study examined the sources, extent, utilisation behaviour, and determinants of credit use among 120 farmers (254 loan accounts) selected through multistage random sampling in Bag...

Nikhil Govind Malali · 0 citations

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