APPENDICES Appendix-I 1. QUESTIONNAIRE - FOR PACS “An Analytical Study of Non- viable Primary Agricultural Credit Societies (PACS) in the drought prone area of Maharashtra (with special reference to Ahmednagar district)” 1. General information: a. Name of the PACS; b. Address; c. Phone No.; d. Registration number and date; 2. Information regarding Board of Directors, Members and Employees? a. Category wise classification of member.
S.N Category 2000 2001 20 02 2003 20 04 20 05 2006 2007 2008 1 General
2 Scheduled caste
3 Scheduled tribe
Other backward 4 Class
Total
b. Details of Board of Directors as on 31/ 3/2008
S .N . Category M ale Female Total
1 General
2 Scheduled caste
3 Scheduled tribe
4 Other backward Class
Total
c. Education Profile of Board of Directors;
N a m e of Primary Secondary Higher-Sec PG& S.N. Illiterate Graduation Total PACS (1-7) (8-10) (11-12) Higher
1
166 d. Details of employee
S.N. Designation Sex Education N um ber o f years o f service in P A C
1 Secretary
2 Manager
3 Cashier
4 Cleric
5 Peon
6 Watcliman
3. Information regarding income, expenditure and profitability: a. Income details: Amount in Rs. ‘000
S. 1999- 2000- 2001- 2002- 2003- 2004- 2005- 2006- 2007- Particulars N. 2000 01 02 03 04 05 06 07 08 Interest received 1 on loans and advances Interest received 2 on investments Commission 3 received M em ber 4 Subscriptions Dividend 5 received 6. Other Income 7. Total
b. Expenditure details: Amount in Rs. ‘000
S. 1999- 2000- 2001- 2002- 2003- 2004- 2005- 2006- 2007- Particulars N. 2000 01 02 03 04 OS 06 07 08 I Investment
Salary & 2 allowances
Establishment 3 Expenses Traveling 4 Expenses
5 Depreciations
6. Other Expenses
7. Profit or loss
Total
167 4. Statement showing financial position of the P A CS: Amount in Rs. ‘000 S. 1999- 2000- 2001- 2002- 2003- 2004- 2005- 2006- 2007- Particulars N. 2000 01 02 OS 04 05 06 07 08 1 Members in ‘000
2 Share capital
3 O w n fund
4 Deposits
5 Borrowing
6 W orking capital
7 Investment
8 Loan advanced
9 Loan outstanding
10 Loan over dues
Percentage of 11 overdue 12 Dividend declared
13 % o f recovery
14 Profit/loss
15 Audit class
Credit/deposited 16 ratio 17 Total assets
18 Other
5. Loans accounts of PACS: (disbursement) Amount in Rs. ‘000 S. 1999- 2000- 2001- 2002- 2003- 2004- 2005- 2006- 2007- Particulars N 2000 01 02 03 04 OS 06 07 OS 1 Members in ‘000 2 Crop Loan Tractor & 3 Agriculture- Equipments Seeds/ 4 fertilizers/pesticides Land Developments (Land-leveling, Pipe-line, Lift, 5 Well/tube well. Farm Pond, Micro irrigation) Building Construction (Farm 6 house, Animal house) 7 Animal Husbandry 8 Allied Activities 9 Others Services
168 6. Loans accounts of PACS: (recovery) Amount in Rs. ‘000
S. 1999- 2000- 2001- 2002- 2003- 2004- 2005- 2006- 2007- Particulars N 2000 01 02 OS 04 05 06 07 08 1 Members in ‘000
2 Crop Loan
Tractor & 3 Agriculture- Equipments Seeds/ 4 fertilizers/pesticides Land Developments (Land-leveling, Pipe-line, Lift, 5 Well/tube well. Farm Pond, Micro irrigation) Building Construction (Farm 6 house. Animal house) 7 Animal Husbandry
8 Allied Activities
9 Others Services
7. Reason of over-dues? a. ------b. ------c. ------d. ------
8. Does your co-operative society (PACS) supply following inputs (cash/kind)? Mark V if Yes
S. 1999- 2000- 2001- 2002- 2003- 2004- 2005- 2006- 2007- Particulars N. 2000 01 02 03 04 OS 06 07 08 Improved/ Hybrid 1 seeds Chemical 2 Fertilizers 3 Bio-Fertilizers 4 Compost 5 Pressed Mud 6 Vermi-compost Chemical 7 Pesticides 8 Bio-Pesticides 9 Tractors 10 Agriculture
169 Implements (plough, harrow, seed-dri Hers) Electric 11 Motors/Pumps 12 Oil-Engines 13 Pipes Micro-irrigation 14 systems (drip/sprinklers) Building /construction 15 (House. Animal House) Well/Tube-well/ 16 Farm-pond 17 Dairy Farm 18 Poultry 19 Sheeps/ Goats 20 Other Specify
9. Does your Society provide loan for following purposes? Mark V S. N. Particulars Yes No 1 Marriage 2 Medical/Hospital 3 Education 4 Functions & Festivals 5 I.abour wages 6 Purchase of Vehicle 7. Others
10. Are PACs Implementing Integrated Insurance Scheme (Crop, Market, Weather etc.)? Yes/No
11. if yes give details?
12. Kisan Credit Card Scheme: Implementation Yes/No
13. Does your society provide loan to SlIGs? Yes/No
14. If yes, give details?
15. Percentage of recovery of Loan of SHGs
170 16. Does your society borrow funds from other agencies than DCC Banks? Yes/No.
17. If yes, give details?
18. Does your society invest funds? Yes/No.
19. If yes, give details?
20. Does your society provide any debt relief to members? Yes/No
21. If yes, give details?
22. Does your society provide subsidy? yes/No
23. If yes, give details
24. Problem (List of problems of PACS) a. ------b. ------c. ------d. ------e.
25. Suggestions? a. ------b. ------c. ------d. ---- e.
Signature Name of respondent (PACS-representation) Designation
171 2. QUESTIONNAIRE- FOR PACS MEMBER/FARMER “An Analytical Study of Non- viable Primary Agricultural Credit Societies (PACS) in the drought prone area of Maharashtra (with special reference to Ahmednagar district)”
1. Personal information of Farmer/ Member of PAC? a. Name: b. Address: c. Education: d. Occupation: e. Age: f. Annual income (Rs.): g. Name of PACS:
Details of Family Members: Family Size: ■ Total: ■ Male: ■ Female:
Annual income Rs. Seconda N a m e of M e m b Main Seconda s Educati ry Main family Sex A g e relation er of occupati ry N on occupati occupati members PAC on occupati on on on 1
2
3
4
5
3. Details of Land, Cropping Pattern & Irrigation (member only) ■ Total Land Holding: ■ Cultivable Land (Acres): Irrigated:______Un-irrigated:_ ■ Un-cultivable Land (Acres);
172 Details of Cultivable Land:
N a m e of Source of Irrigation Season Area (Ac) Production Income Rs. Crops (well/tube, tanic, rain-fed) Kharif
Rabbi
Sum m er
4. Do you use tractor for farm operation? Yes/No
5. Do you install Micro-irrigation system? Yes/No
6. Do you use Organic/ Bio- fertilizers? Yes/No
7. Do you use Organic/ Bio- Pesticides? Yes/No
8. Do you have other allied Activity? Yes/ No
9. If Yes, Specify
10. Do you employ daily wage labours? Yes/No.
11. If Yes, How many days?
12. Do you take loan from PACs? Yes/No
173 13. If Yes, for which purposes? Please Mark V a. Crop Loan b. Tractor & Agriculture-Equipments c. Seeds/ fertilizers/pesticides d. Land Developments (Land-leveling, Pipe-line, Lift, Well/tube well, Farm Pond, Micro-irrigation) e. Building Construction (Farm house. Animal house) f. Animal Husbandry g. Allied Activities
14. Do you have taken following inputs from your Society (PACS)? (cash/kind)
S. Tick Cost of Through PACs N a m e of Inputs Through Cash N. appropriate Input Loan
1. Improved/ Hybrid seeds 2. Chemical Fertilizers 3. Bio-Fertilizers
4. Compost 5. Pressed Mud 6. Vermi-compost 7. Chemical Pesticides 8. Bio-Pesticides 9. Tractors 10 Agriculture Implements (plough, harrow, seed-drillers)
11. Electric Motors/Pumps 12. Oil-Engines
13. Pipes 14 Micro-irrigation systems (drip/sprinkers)
15. Building /construction (House, Animal House) 16 Well/Tube-well/ Farm-pond 17. Dairy Farm
18 Poultry 19 Sheeps/ Goats 21. Other Specify/ services
15. Have they charge more than the current market rate? Yes/No.
16. If yes, How much? 17. Is the PAG does partiality in distributing inputs? Yes/No
174 18. If yes, state the reason. 19. Do they supply sufficient inputs? Yes/ No 20. If No, state the reason. 21. Do they supply unwanted inputs? Yes/No 22. If yes, give details.
23. Do you use your loan for following purposes? Please Mark V i. Marriage ii. Medical/Hospital iii. Education iv. Functions & Festivals V. Labour wages vi. Purchase of Vehicle
24. Did you get sufficient amount of Loan from PACs? Yes/No
25. Are you making repayment of loan timely? Yes/No 26. If, No, give reasons
27. Is there any crop failure? Yes/No Please Mark V i. Drought ii. Diseases & pests iii. Weather iv. Market 28. Are PACS Implementing Integrated Insurance Scheme (Crop, Market, Weather etc.)? Yes/No
29. Whether the compensation covers the losses? Yes/ No. 30. Have you received cooperation from PACs management? Yes/No
175 31. Do you feel PAC management discriminate while advancing loan? Yes/No. 32. If yes, give details. 33. Do you feel PAC management discriminate while recovery of Loan? Yes/No 34. Have you avail any debt relief scheme? Yes/No 35. If yes, mention with amount? 36. Have you got any subsidy for the loan? Yes/No
37. If yes, mention with amount
38. Do you know Kisan Credit Card Scheme? Yes/No. 39. Do you using it for cash credit of PACS? Yes/No
40. Do you borrow loan from other agencies? Yes/No (Please Mark V) a. DCC-Bank b. Nationalized Bank c. Co-operative/Scheduled Banks d. Rural credit Societies e. Urban Credit Societies f. Other Co-operative Societies g. Bhishi (Groups of people) h. SHGs i. Money Lenders
41. Do you feel any difference to get loan from PAC & other agencies? Yes/No
42. If yes, give details 43. Are you member of SHGs? Yes/No 44. Are you avail loan from SHG? Yes/No
176 45. If yes, purpose of Loan? 46. Percentage of recovery of Loan of SHGs 47. Do you feel recovery of loan will improve if loan disbursed through SHGs? Yes/No 48. If No, give reasons 49. Has the establishment of PACS in your village helped you in improving economic condition and social status? Yes/No 50. What are the suggestions to improve the working of PACS?
Signature Name of respondent (PACS Member)
177 Appendix - II “An Analytical Study of Non - viable Primary Agricultural Credit Societies (PACS) in the drought prone area of Maharashtra (with special reference to Ahmednagar district)” List of surveyed Primary Agricultural Credit Societies (PACS) Name of PACS with Registration No. with Year of S.N. Address Date Establishment Sangamner- Tahasil 1 Pimpri-Louki PACS 10186 28/06/1946 1946 2 Khali PACS 39834 04/04/1960 1960 3 Digras PACS 29817 04/05/1960 1960 4 Dolasane PACS 18415 04/02/1950 1950 5 Chorkouthe PACS 20778 03/09/1951 1951 6 Konchi PACS 23247 14/08/1559 1559 7 Nimgaon-Tembhi PACS 28752 24/12/1959 1959 8 Ambhore PACS 29809 01/05/1960 1960 9 Kouthe-Kamaleshwar PACS 23107 30/07/1954 1954 10 Wadzari PACS 10808 19/05/1947 1947
Akole- Tahasil 11 Lingdev PACS 20616 05/03/1951 1951 12 Takali PACS 919 12/11/1990 1990 13 Virgaon PACS 3917 02/09/1922 1922 14 Bahirwadi PACS 918 22/11/1990 1990 15 Ambad PACS 20759 06/08/1951 1951 16 Gardani PACS 915 22/10/1990 1990 17 Brahamanwada PACS 12877 25/07/1949 1949 18 Devthan PACS 10781 06/11/1942 1942 19 Ganore PACS 10798 14/04/1947 1947 20 Tambhol PACS 31033 08/02/1961 1961
178 Parner- Tahasil 21 Dhotre Bk. PACS 21992 29/05/1954 1954 22 Karjule-Harya PACS 12864 14/02/1949 1949 23 Ralegaon-Siddhi PACS 240079 1969 24 Kadus PACS 28769 08/01/1960 1960 25 Babhulvedhe PACS 10174 27/05/1946 1946 26 Pimpri-Jalsen PACS 23258 23/09/1959 1959 27 Palaspur PACS 81153 28/06/1975 1975 28 Pimpalgaon-Turk PACS 2863 01/01/1999 1999 29 Pamer (west) PACS 23279 20/10/1959 1959 30 Wasunde PACS 8095 17/06/1940 1940
Pathardi- Tahasil 31 Manik Doudi PACS 20794 01/01/1952 1952 32 Kadgaon PACS 306 26/09/1963 1963 33 Yeli PACS 9661 18/04/1946 1946 34 Bhalgaon PACS 31060 09/05/1961 1961 35 Sonoshi PACS 12883 30/09/1949 1949 36 Chinchodi PACS 10824 19/0601947 1947 37 Miri PACS 12883 30/09/1949 1949 38 Akola PACS 10828 26/04/1947 1947 39 Nipani Jalgaon PACS 29813 01/05/1967 1967 40 Sakegaon PACS 10207 28/08/1946 1946
179 Map of Maharashtra State and Ahmednagar District
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180