Credit is one of the important inputs for rural development. The results will largely depend on the effective use of credit, and linkages developed with other requirements for the enterprise. The study on rural credit from various agencies such as commercial banks, regional rural banks, cooperative banks and District Rural Development Agency (DRDA) under poverty alleviation programmes is carried out in two blocks of Hisar district of Haryana. Oct-Dec 2007

The contradications of our rural credit system are somehow camouflaged by the "achievements" of disbursed targets and, of recent, by the success of programmes like doubling of agricultural credit. The time has come when we need to seriously look into the emerging possibility of zero-credit based organisation of production by the small farmers' associations and their chances of joining with corporate capital. Oct-Dec 2007

Credit is said to be the lifeblood of agriculture for increasing agricultural production. The District Central Co-operative Banks in Maharashtra have played a significant role in providing crop loans and term loans to farmers through the PACS in the rural areas of state. The sickness of DCCB is mainly due to the low recovery and mounting overdues.