A study on the assessment of constraints in effective credit utilization pattern and repayment behaviour the borrowers in Datia district of Madhya Pradesh

Abstract

Credit utilization is the amount of purchasing power you have calculated as the total credit available divided by the total debt or credit is a contractual agreement in which a borrower receives something of value now and agrees to repay the lender at some date in the future, generally with interest. The study was conducted in 2016. Indergrah Tehsil of Datia district (M.P.) has purposively selected due to convenience of the researcher and the availability and lighting of fine number of PACS and borrowers. It can be observed that crop raze (Destroy) due to natural hazards as major constraints for effective credit utilization pattern and repayment behaviours by borrowers (2.88 Mean).