Shubham Pratap Singh, Ved Prakash and Ritesh Krishna Srivastava
Purpose: One of the most important aspects is that academic researchers have focused on how agricultural financing affects the crop cultivation activities such as ploughing, irrigation, buying seeds, buying fertilizers, buying pesticides/insecticides, paying for transportation, and paying for labor. Agricultural credit is the crucial input for the cultivation of crops and also to improve the productivity and performance of agriculture sector. Design/Methodology/Approach: The authors' measurement method analyses how aspects of the KCC scheme were successful in providing agricultural credit for the cultivation of crops based on a descriptive cum exploratory analysis. The data was gathered using a stratified random sampling technique and a structured interview schedule with a five-point likert scale on 600 respondents from the Uttar Pradesh Region. Findings: Wilcoxon Signed Rank test estimates that there is a significant positive impact of agricultural credit on the cultivation of crops with special reference to the Kisan Credit Card Scheme. The KCC scheme has a favorable effect on crop cultivation activities such ploughing, irrigation, buying seeds, buying fertilizers, buying pesticides/insecticides, paying for transportation, and paying for labor. Research Limitations/Social Implications-For a comprehensive analysis, a similar study can be expanded to include more crop cultivation activities and areas of India. This study will be crucial in helping to determine the best course of action for distributing schemes like the Kisan Credit Card. Originality: This study provides a rigorous econometric analysis of the impacts. The KCC scheme was quite successful in providing agricultural credit for the cultivation of crops in rural areas of Uttar Pradesh; the study contributes to the current debate on the link between access to formal credit and agricultural productivity and provides valuable inputs for policymakers.