From Fields to Finance: Evaluating the Impact of Kisan Credit Cards in Saurashtra, Gujarat

Abstract

This study aims to comprehensively examine the socio-economic characteristics and agricultural practices of farmers in Saurashtra, Gujarat, with a specific focus on assessing the effectiveness of Kisan Credit Cards (KCC) in facilitating financial access and improving agricultural outcomes. A quantitative research design is employed, utilizing a stratified random sampling technique to ensure representative sampling across different geographical areas within Saurashtra. Data is collected through structured interviews with 436 farmers, covering demographics, agricultural practices, KCC utilization, and household income. Descriptive statistics and regression analysis are conducted to analyze the data and investigate the relationship between KCC utilization and agricultural productivity while controlling for other independent variables. Descriptive statistics reveal a diverse farming population in terms of age, farm size, education level, and household income. Regression analysis highlights the significant positive impact of KCC utilization, farm size, education level, and household income on agricultural productivity, providing empirical evidence of the effectiveness of KCCs in enhancing financial access and improving agricultural outcomes in the region. The findings indicate that KCC utilization positively influences agricultural productivity, alongside other factors such as farm size, education level, and household income.