Zarai Tarqiati Bank Limited Credit Program Role in the Development of Goat Production in Rural Area of District Mardan, Pakistan

Abstract

Pakistan is an agriculture country and the role of livestock is highly appreciated in agricultural development. The present study major objectives were to analyzed the effects of ZTBL credit program on goat productivity, correlation with size of land and average goat number, problems and constraints faced to farmers in financing procedure by ZTBL. The universe of the study is District Mardan which consist of three Tehsil, namely Mardan, Thakhth Bai and Katalang. Through interview schedule data were collected. Using descriptive statistics and paired t-test for data analysis. The total goat number after credit was 108 and before was 134 and difference was -24. The average goat number after credit was 1.6875 and before was 2.0938. The result was found significant at 10% level which indicates negative effect of the credit on goat number and miss-utilization of the credit by farmers in the study area. Average cost after credit was Rs.16828 whereas before was Rs.8680 and the result was found significant at 5% level. The cost difference was Rs.8148 which explain the increase of the cost after credit program. The average annual return after credit was Rs.35531 although before was Rs.17562 and the result was found significant at 5% level. The return difference was Rs.17969 which explain the positivity of the credit program. The correlation with size of land and average goat number of the respondents, were -.156 which shows negative relationship with goat number and land size. Major problems were complicated process of pass book preparation, non availability of collateral, non availability of loan in time, high interest rate , amount less than requirement and non cooperation of the bank staff were observed in the study area. On the basis of finding, provision of more loan in future, one window operation policy application, low interest rate by bank, cooperation of bank staff with farmers and monitoring cell development in the bank for enhancement of goat productivity were recommended.

Keywords: Credit program, Zarai Taqiati Bank Limited, Goat Production, Rural area of District Mardan