Effects of Zarai Tarqiaiti Bank Limited Credit Program on Desi Tenda( Squash) Production in Rural Area of District Mardan-Pakistan

Naushad Khan


The present study was conducted in rural area of district Mardan since December 2012. The major objective was to examine the ZTBL credit effect on Desi Tenda production in rural area of district Mardan . The Universe of the study was district Mardan which consist of three tehsil namely Mardan, Katlang and Thakhth Bai. Total 69 Desi Tenda  growers of the ZTBL credit owner were selected from 260 beneficiaries of the ZTBL. With the help of interview schedule data were collected from the respondents and analyzed with the help of pair t-test. The result indicates average yield per hectare after credit 4574 kg and before 2452 kg, difference 2122 kg and percent change 63%, t value 15.587 and p value .000. The data explain that production is highly significant at 5% confidence level and show credit effect on desi Tenda production positive in the study area. The result further elaborate that the average investment after credit on per hectare was Rs.62299 and before was 28651. Similarly the difference was Rs.33648 and change was 68%, t value was 14.961 and p value .000, which indicates that the result is highly significant at 5% level and show the investment on squash is positive and the cost is more than before. The average return after credit was Rs.137233 and before credit was Rs.122605 and difference was Rs.14629 and increase was 12%, t value was 3.02 and p-value was .004. The hypothesis was rejected and the result was found significant, which shows that the credit has positive effects on the respondents return in the study area. The benefit Investment ratio after credit was Rs.2.20 and before credit was Rs.4.28 and the decrease was 49%, which shows that one rupee investment after credit was Rs.2.20 while before credit, it was Rs.2.48, so, it shows that instead of high productivity due to low price after credit the benefit Investment ratio was found less than before credit due to more supply of Desi Tenda into the market. Majority problems were observed in the study area which were facing to farmer in the production of squash , such as the loan  is less than  the farmer requirement; collateral  system was very complicated, Staff behavior is rude, Loan were not facilitated in time, water availability was less than the requirement; Seed quality is  bad; Marketing is improper in the study area. On the basis of problems suggestions are recommended, such as Loan should be provided according to farmers requirement; Improved irrigation system should be developed by government in the study area; On low interest rate loan should  be provided to farmers; Other developmental scheme should be arranged for farmer development; Peace provided to farmer in the study area; Provide skill to farmer in farm practices for enhancing of squash production in the study area; Marketing system should be developed in the study area; Support and subsidized price should be facilitated to farmers for enhancing Desi Tenda production in the study area.

Keywords:- Effect of Credit Program, ZTBL, Squash Production, Rural Area, District Mardan

DOI: 10.7176/JAAS/54-01

Publication date: April 30th 2019

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ISSN 2409-6938

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