International Journal of Agriculture Sciences ISSN: 0975-3710 & E-ISSN: 0975-9107, Volume 7, Issue 2, 2015, pp.-450-453. Available online at http://www.bioinfopublication.org/jouarchive.php?opt=&jouid=BPJ0000217 FACTORS INFLUENCING OVERDUES OF TRIBAL BORROWERS IN JHARKHAND STATE OF INDIA: A POLICY PERSPECTIVE LAKRA K.1*, KUSHWAHA S.2 AND SINGH H.P.1 1Department of Agricultural Economics, Institute of Agricultural Sciences, Banaras Hindu University, Varanasi - 221 005, UP, India. 2Lalit Narayan Mithila University, Kameshwar Nagar, Darbhanga - 846 004, Bihar, India. *Corresponding Author: Email-
[email protected] Received: April 09, 2015; Revised: May 18, 2015; Accepted: May 21, 2015 Abstract- Utilization and repayment of borrowed agricultural loans has been one of the numerous of agricultural development in the develop- ing world and India is no exception. As such, this study focused on to identify the factors which influence overdues of tribal borrowers in Jhar- khand State of India. A sample of 240 borrowers was selected by multistage sampling technique for analyzing the problem of overdues. In estimating problem of overdues of the borrowers, the linear discriminant function analysis was employed and results showed that income and farm experience made the most significant contributions to the discrimination to the tune of 39.38 per cent and 15.10 per cent respectively. Other socio economic factors that contributed to the discrimination between defaulters and non-defaulters were age (11.95 per cent) land holding size (9.99 per cent), irrigation potential (9.48 per cent), amount borrowed (9.10 per cent) and family size (5.40 per cent).