Year: 2014 | Month: December | Volume 59 | Issue 4

Impact and constraints faced by the borrowers of cooperative bank finance in Nagaland



The present study was undertaken on sixty borrowers of cooperative bank during 2009 to 2012 in Dimapur district of Nagaland to examine the impact of loan on borrowers a resource use efficiency on pooled data as well as on different farm size group were fitted, which was found to be significant. As per the client satisfaction index 48.33% were medium satisfied, followed by 23.67% as low satisfied and remaining 25.00% as highly satisfied with the extension services of banks available presently. It was further observed that on rank based quotient the foremost constraints was of amount of loan, followed by preparation of DPR, lack of technical guidance from bank, time of disbursement, subsidiary / rebate on loan, disbursement of loan, credit facilities and miscellaneous, form issued by the bank, knowledge about type of loan, bank interest rate, filling up of loan forms, repayment period etc at the lower scale.

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Economic Affairs, Quarterly Journal of Economics| In Association with AESSRA

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