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}{% \vskip8pt \textcolor{GJMediumGrey}{\rule{\textwidth}{2pt}} \vskip16pt } \usepackage[absolute,overlay]{textpos} \makeatother \usepackage{lineno} \linenumbers \begin{document} \author[1]{Dr. Sandeep Kumar Kesarwani} \author[2]{Dr. Satish Chandra Tiwari} \affil[1]{ ICFAI University} \renewcommand\Authands{ and } \date{\small \em Received: 16 December 2017 Accepted: 1 January 2018 Published: 15 January 2018} \maketitle \begin{abstract} Agriculture is major source of employment and food to our country but even this sector is facing various problems from many years. The problem of availability of credit is one of them, due to this problem the agricultural production get affected every year. The Present Study focuses over the fund disbursement to agricultural sector by NABARD in Uttar Pradesh. The Present Study indicates the preferences of NABARD in financial assistance to different sectors including agriculture sector. The present paper is an attempt by the researchers to examine the role of NABARD in agriculture in Uttar Pradesh through financial disbursements made by it directly. The study is purely based on secondary data which were analyzed with the help of mean, percentage, CAGR, one-way ANNOVA, Post Hoc Test, Tukey etc. to draw the results. The study also exhibited that NABARD continuously focuses on NFS, and farm mechanization, however, agriculture which assumes great significance in present day scenario, is yet to get its dues from Bank. It was established through the study that there is a significant difference in refinance disbursement of NABARD through Purpose and Programme-wise to various sectors. \end{abstract} \keywords{agricultural credit, refinancing, non farm sector, NABARD.} \begin{textblock*}{18cm}(1cm,1cm) % {block width} (coords) \textcolor{GJBlue}{\LARGE Global Journals \LaTeX\ JournalKaleidoscope\texttrademark} \end{textblock*} \begin{textblock*}{18cm}(1.4cm,1.5cm) % {block width} (coords) \textcolor{GJBlue}{\footnotesize \\ Artificial Intelligence formulated this projection for compatibility purposes from the original article published at Global Journals. However, this technology is currently in beta. \emph{Therefore, kindly ignore odd layouts, missed formulae, text, tables, or figures.}} \end{textblock*} \let\tabcellsep& \section[{I. Introduction}]{I. Introduction}\par he major problem in agricultural sector is unavailability of finance at right time, due to this farmer faces difficulty to arrange resources in cultivation on time and sometime they failed to arrange the financial support for their farming activities which results in poor production. If farmers avail the credit facilities in proper amount on time then the scenario of agricultural sector may be changed.\par This argument has been empirically examined in many studies these are-"Despite the significant strides achieved in terms of spread, network and outreach of rural financial institutions, the quantum of flow of financial resources to agriculture continues to be inadequate \hyperref[b1]{(Golait, 2007)}". "This situation brings out the fact that the existing institutional arrangement for credit delivery is not adequate and suitable to address the agrarian distress in the country (Barah and Sirohi, 2011)". "Reserve Bank of India (2006) also reported that one common factor that can be seen across all regions is that manifestation of economic distress is primarily through indebtedness." "In this context it is pertinent to mention that the Planning Commission of India in the Approach Paper to 11th Five Year Plan 2007-2012 observed that 'there is evidence that farm debt is increasing much faster than farm incomes' (Government of India 2006)". These studies focuses that there is still need of reform.\par The National Bank for Agricultural and Rural development has been set up as an apex body to support and regulate agricultural credit in India. But the present study is covering the role of NABARD in finance disbursement to Uttar Pradesh only. \section[{II. Objective And Hypothesis}]{II. Objective And Hypothesis}\par As discussed in the previous sections the impact of availability of finance to agricultural sector: 1) To know the role of NABARD in refinance disbursement to agricultural sector in Uttar Pradesh. 2) To know the role of NABARD in refinance to various activities in Uttar Pradesh.\par Based on these observations, we have formulated a hypothesis, which is as follows:\par As aforementioned, the NABARD is an apex institution in agricultural rural development in India. That is why the hypothesis has been framed to know the contribution of NABARD in Uttar Pradesh. \section[{C}]{C}\par Uttar Pradesh is the largest food grain producing State of the country contributing about 19\% of the total food grains of the country. It is the highest producer of wheat and second highest producer of rice. The State is also the largest milk producing state, accounting for nearly 17 per cent of the total milk production. U.P is the second largest sugarcane producer of India after Maharashtra accounting for about 28\% of total production in the country.\par ? H0: There is no significant difference in financial assistance among different agricultural activities plans and programs of NABARD in Uttar Pradesh. ? H1: There lies a significant difference in financial assistance among different agricultural activities plans and programs of NABARD in Uttar Pradesh. \section[{III. Research Methodology}]{III. Research Methodology}\par The total disbursements by NABARD in Uttar Pradesh have been divided into four categories then analyses have been conducted. The analysis of Purpose-wise refinance disbursement by NABARD with the help of CAGR shows that the Non-Farm Sector had been the priority areas for the bank with a highest CAGR of 10.94\% during the period under study. This Sector had been on the top in almost all the years on the basis of absolute amount of disbursement. Allied to agriculture sector come next with a CAGR score of 6.10\% followed by Agriculture Sector (CAGR -4.16\%), having the lowest share in assistance in terms of both percentage and absolute amount. The Other Sector is the only region exposing a lowest negative CAGR of -7.79\%. Hence, it can safely be concluded that allied to agriculture sector and Non-Farm Sector constitute the preference Sector in the eyes of the bank as far as the agriculture and rural area is concerned. The Purpose-wise distribution of finance can be visualized with the help of Figures-which express that the Non-farm sector has been a priority sector for NABARD particularly after 2005-06 to 2010-12 though, its share declined during 2011-12 in comparison to 2010-11. The figure is the proof of the fact that Agriculture Sector is the most neglected Sector while Allied to agriculture and Non-Farm Sector got assistance better than the other sector. \section[{IV. Analysis and Testing of Hypothesis}]{IV. Analysis and Testing of Hypothesis} \section[{V. Results and Discussions}]{V. Results and Discussions}\par The analysis of Purpose -wise refinance disbursement by NABARD with the help of CAGR shows that the Non-Farm Sector had been the priority areas for the bank with a highest CAGR of 10.94\% during the period under study. This Sector had been on the top in almost all the years on the basis of absolute amount of disbursement. Allied to agriculture sector comes next with a CAGR score of 6.10\% followed by Agriculture Sector (CAGR-4.16\%), having the lowest share in assistance in terms of both percentage and absolute amount. The Other Sector is the only region exposing a lowest negative CAGR of -7.79\%. Hence, it can safely be concluded that allied to agriculture sector and Non-Farm Sector constitute the preference Sector in the eyes of the bank as far as the agriculture and rural area is concerned. The Purpose-wise distribution of finance can be visualized with the help of Figure-which express that the Non-farm sector has been a priority sector for NABARD particularly after 2005-06 to 2010-12 though, its share declined during 2011-12 in comparison to 2010-11. The figure is the proof of the fact that Agriculture Sector is the most neglected Sector while allied to agriculture and Non-Farm Sector got assistance better than the other sector. From the study of Purpose wise different agricultural plans and programmes in the disbursement of funds it has been seen that NABARD has disbursed less money towards farm sector as compared to Non-farm and allied to agriculture sector. \begin{figure}[htbp] \noindent\textbf{1} \par \begin{longtable}{P{0.2150345260514752\textwidth}P{0.2646578782172002\textwidth}P{0.058694287507846825\textwidth}P{0.04215317011927181\textwidth}P{0.044821092278719395\textwidth}P{0.02507846829880728\textwidth}P{0.03201506591337099\textwidth}P{0.026679221594475833\textwidth}P{0.058694287507846825\textwidth}P{0.029347143753923412\textwidth}P{0.019742623979912114\textwidth}P{0.027746390458254864\textwidth}P{0.005335844318895166\textwidth}} \tabcellsep \tabcellsep \tabcellsep \multicolumn{5}{l}{NABARD Fund Disbursement in}\tabcellsep \tabcellsep \tabcellsep \tabcellsep \\ \tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{3}{l}{Uttar Pradesh}\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\ Agriculture\tabcellsep \tabcellsep \multicolumn{3}{l}{Allied to Agriculture}\tabcellsep \tabcellsep \multicolumn{4}{l}{Non Farm Sector (NFS)}\tabcellsep \tabcellsep \multicolumn{2}{l}{Others}\\ Sector/Purpose/ Activity\tabcellsep 2000-01\tabcellsep \multicolumn{2}{l}{2001-2002-03}\tabcellsep 2003-04\tabcellsep 2004-05\tabcellsep 2005-06\tabcellsep 2007-08\tabcellsep 2008-09\tabcellsep 2009-10\tabcellsep 2010-11\tabcellsep 2011-12\tabcellsep CAGR\\ \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep Agriculture\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\ Minor irrigation\tabcellsep \multicolumn{5}{l}{9794 15791 18436 18463 12841}\tabcellsep 6108\tabcellsep 9857\tabcellsep \multicolumn{3}{l}{5448 10688 7719}\tabcellsep 4794\\ Land development\tabcellsep 1\tabcellsep 10\tabcellsep 6103\tabcellsep 427\tabcellsep 1814\tabcellsep 663\tabcellsep 2036\tabcellsep 9746\tabcellsep 2196\tabcellsep 90\tabcellsep 154\\ Farm Mechanisation\tabcellsep \multicolumn{11}{l}{43009 25094 18724 12011 10371 42971 26843 12802 19188 18880 15307}\\ Plantation \& Horticulture\tabcellsep 3436\tabcellsep 7498\tabcellsep 5916\tabcellsep 6244\tabcellsep 8312\tabcellsep \multicolumn{2}{l}{10263 6216}\tabcellsep 8342\tabcellsep 8242\tabcellsep 8130\tabcellsep 8381\\ Other Agriculture\tabcellsep 5654\tabcellsep 5097\tabcellsep \multicolumn{6}{l}{4395 26062 53036 40223 22484 4784}\tabcellsep \multicolumn{3}{l}{9940 10041 10137}\\ Total\tabcellsep \multicolumn{12}{l}{61894 53490 53574 63207 86374 100228 67436 41122 50254 44860 38773 -4.16\%}\\ \tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{3}{l}{Allied to Agriculture}\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\ Fisheries\tabcellsep 280\tabcellsep 427\tabcellsep 389\tabcellsep 353\tabcellsep 337\tabcellsep 512\tabcellsep 268\tabcellsep 121\tabcellsep 1008\tabcellsep 210\tabcellsep 110\\ Animal Husbandry\tabcellsep \multicolumn{11}{l}{19173 30791 34610 26531 29289 24552 15824 14525 27687 26459 24662}\\ Poultry\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep 3143\tabcellsep 6060\tabcellsep 7737\tabcellsep 8886\tabcellsep 10008\\ Storage/Market Yard\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep 55\tabcellsep 1234\tabcellsep 1307\tabcellsep 96\tabcellsep 2547\\ Waste land Development (Forestry)\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep 117\tabcellsep Nil\tabcellsep Nil\tabcellsep Nil\tabcellsep Nil\\ Total\tabcellsep \multicolumn{11}{l}{19453 31218 34999 26884 29626 25064 19407 21940 37739 35651 37327}\tabcellsep 6.10\%\\ \tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{3}{l}{Non Farm Sector (NFS)}\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\ SGSY Non Farm Sector\tabcellsep \multicolumn{3}{l}{5406 10405 6177}\tabcellsep 5137\tabcellsep 7384\tabcellsep 7460\tabcellsep 3145\tabcellsep 1322\tabcellsep \tabcellsep \tabcellsep 1213\\ SC-ST-AP-Non Farm Sector\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep 648\tabcellsep 167\tabcellsep \tabcellsep \tabcellsep \\ Non Farm Sector\tabcellsep 5286\tabcellsep \multicolumn{10}{l}{6818 21522 25398 22090 20104 24400 21617 25253 49697 32295}\\ Total\tabcellsep \multicolumn{12}{l}{10692 10692 27699 30535 29474 27564 28193 23106 25253 49697 33508 10.94\%}\\ \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep Others\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\ Non Conventional Energy (Bio Gas Plant)\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep Nil\tabcellsep Nil\tabcellsep 2\tabcellsep 1\tabcellsep \\ Self help Group\tabcellsep 559\tabcellsep 813\tabcellsep 1292\tabcellsep 1553\tabcellsep 1883\tabcellsep 2043\tabcellsep 1815\tabcellsep 4022\tabcellsep \tabcellsep 1760\tabcellsep \\ AH (Others)\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep 624\tabcellsep 701\tabcellsep 1295\tabcellsep 518\tabcellsep 123\\ Agriclinics and Agri Business\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep 10\tabcellsep Nil\tabcellsep \tabcellsep \tabcellsep 106\\ Total\tabcellsep 559\tabcellsep 813\tabcellsep 1292\tabcellsep 1553\tabcellsep 1883\tabcellsep 2043\tabcellsep 2449\tabcellsep 4723\tabcellsep 1297\tabcellsep 2279\tabcellsep 229\\ Total Disbursement\tabcellsep \multicolumn{12}{l}{92598 102744 117564 122179 147357 154899 117485 90891 114543 132487 109837 -7.79\%}\\ \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \multicolumn{5}{l}{(Sources: Statistical Statement of NABARD)}\end{longtable} \par \caption{\label{tab_0}Table 1 :}\end{figure} \begin{figure}[htbp] \noindent\textbf{1} \par \begin{longtable}{P{0.1383136094674556\textwidth}P{0.07292899408284023\textwidth}P{0.21375739644970415\textwidth}P{0.2967455621301775\textwidth}P{0.07544378698224852\textwidth}P{0.032692307692307694\textwidth}P{0.020118343195266272\textwidth}} 15.00\%\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\ 10.00\%\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\ 5.00\%\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\ 0.00\%\tabcellsep Agriculture\tabcellsep \multicolumn{3}{l}{Allied to Agriculture Non Farm Sector}\tabcellsep Others\\ \tabcellsep \tabcellsep \tabcellsep \tabcellsep (NFS)\tabcellsep \\ -5.00\%\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\ -10.00\%\tabcellsep \tabcellsep \tabcellsep \tabcellsep \tabcellsep \\ \tabcellsep \tabcellsep \tabcellsep \multicolumn{2}{l}{2 (b): ANOVA}\tabcellsep \\ \tabcellsep \tabcellsep \multicolumn{2}{l}{Expenditure}\tabcellsep \tabcellsep \\ \tabcellsep \tabcellsep Sum of Squares\tabcellsep Df\tabcellsep Mean Square\tabcellsep F\tabcellsep Sig.\\ \multicolumn{2}{l}{Between Groups}\tabcellsep 1.886E10\tabcellsep 3\tabcellsep 6.286E9\tabcellsep 48.123\tabcellsep .000\\ \tabcellsep Within Groups\tabcellsep 5.225E9\tabcellsep 40\tabcellsep 1.306E8\tabcellsep \\ \tabcellsep Total\tabcellsep 2.408E10\tabcellsep 43\tabcellsep \tabcellsep \\ \tabcellsep \tabcellsep \tabcellsep \multicolumn{4}{l}{Mean Square Source: Researcher's Calculations}\\ \tabcellsep \tabcellsep \tabcellsep \multicolumn{4}{l}{Note: *Significant at 5 per cent level of significance}\end{longtable} \par \caption{\label{tab_1}Table 1 .}\end{figure} \backmatter \begin{bibitemlist}{1} \bibitem[Mohan (2004)]{b4}\label{b4} \textit{Agricultural credit in India: Status, issues and future agenda, Reserve Bank of India Bulletin}, Rakesh Mohan . 2004. November. \bibitem[Annual Report 2007-08, National Bank for Agriculture and Rural Development, Head Office NABARD ()]{b2}\label{b2} ‘Annual Report 2007-08, National Bank for Agriculture and Rural Development, Head Office’. \textit{NABARD} 2008. \bibitem[Golait ()]{b1}\label{b1} \textit{Current issues in agriculture credit in India: An Assessment, Reserve Bank of India Occasional Papers}, Ramesh Golait . 2007. 28. \bibitem[Economic Survey Ministry of Finance (2007)]{b3}\label{b3} ‘Economic Survey’. \textit{Ministry of Finance}, 2008. 2007-08. Government of India. \bibitem[Report of Ministry of Agriculture State of Indian Agriculture]{b6}\label{b6} \textit{Report of Ministry of Agriculture State of Indian Agriculture}, p. . \bibitem[Report of the Steering Committee on Agriculture for 11 th Five-Year Plan Yojana Bhavan ()]{b5}\label{b5} ‘Report of the Steering Committee on Agriculture for 11 th Five-Year Plan’. \textit{Yojana Bhavan} 2007a. \bibitem[Arrawatia ()]{b0}\label{b0} \textit{Role of NABARD in Development of Rural India}, M A Arrawatia . \url{http://www.indianmba.com/Faculty\textunderscore Column/FC1219/fc1219.html} 2010. \end{bibitemlist} \end{document}