ISSN (Print) - 0012-9976 | ISSN (Online) - 2349-8846

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Institutional Credit and Overdues-Borrowers Angle

Borrowers' Angle A S Kahlon Discussions on the problem of mounting overdues in the agricultural sector have predominantly been conducted from the financial institution's rather than the borrower's perspective. Since, in the ultimate analysis, the finan- cial health of rural financial institutions depend on the success of rural borrowers, this paper attempts to fill the lacuna, by drawing attention to defective loan policies and procedures of lending institutions, which impair farmers' ability to repay loan, and thereby focuses on the problem from the borrowers' angle.

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