Effects of Zarai Taraqiati Bank Limited Credit Program on Buffalo Production in Rural Areas of Distract Mardan , Pakistan

Naushad khan


The present study was conducted in rural area of district Mardan. The major objectives were to examine the effects of ZTBL Finance Program on buffaloes production on various size of farms, problems and constraints faced by farmer in financing procedure by bank,  The universe of the study consists of three tehsils, namely Mardan, Takhth Bahi and Katlang. Purposively from each tehsil two villages namely Gujar gari, Rustum, Lund khawar, Sharegarh, Katlang and Jamal Gari were respectively selected. All beneficiaries of the ZTBL consist of 260 while the number of buffalo owners was 100 in the study area. In tehsil Mardan 29,  Takhth Bahi 19, Katlang 52 while  through questionnaire data were collected.  Descriptive statistics, correlation and paired t-test were used for analysis. The result indicates illiterate farmers 28% and literate 72%. The owner farmer  93%, owner-cum-tenant,7% and tenant  zero percent. The total amount disbursed to sampled buffalo owners was Rs.25736000 and short term 16%, medium term 80% while the long term exposure was only 4%.  Average buffalo number after credit was 1.87 and before 1.91, while percent change was -2 %, t value -.180 and P value .857 at .05 levels.   The result was found non- significant which explains that credit has no effect on buffalo’s number. Average annual cost after credit were Rs. 90810 and before Rs.48730 however percent change was 86%. The result was found highly significant at .05 levels. The average annual production value after  credit was Rs.149860 and before 100760,  while % changes was estimated 49% and  result was found significant at .05 level. High costs of fodder; non availability of quality breeds; high interest rate; complicated procedure of the bank; non availability of loan in time etc were observed in the study area On the basis of problems  which are stated as  Loan should be provided to farmers according to requirements;  interest rate should be decreased in future;  fodder cost of the buffalo should be decreased by protecting grazing field;  hospitals facilities should be provided for treatment of animals;  one window operation policy should be applied by bank and Special buffaloes program should be arranged in future for enhancement of buffaloes production for high return to farmer in the study area etc.

Keywords: Effects, Zari Tarqiati Bank, Credit Program, Buffalo  Production, Rural Areas of District Mardan

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