Tenancy and Credit: Exploring Facts below the Crust in AP

SRM University-AP is proud to announce that Dr Ghanshyam Kumar Pandey, Department of Economics, has received the prestigious NABARD (National Bank for Agriculture and Rural Development) grant of Rs 14.85 lacs for a duration of 10 months of active research on “Tenancy and Credit: Exploring Facts below the Crust in AP”.

About the Research

The study will attempt to identify different possible sources of credit of agriculture households in the Guntur district of AP and then an analysis of the impact at the macro level will be carried out. The role of self-help groups and microfinance on agriculture and livelihood will be one important component of this analysis. Transaction cost, cascading effect, and loan waiver impact will be estimated across tenant and owner cultivators, and social groups.

The study will help to understand the improvement in the life of tenants due to the adoption of the ‘Model Tenancy Act’ and provide feedback on the Tenancy Certificate introduced in AP for enabling farmers to access bank/formal credit and whether the formation of JLGs has led to increase in the credit availability to tenants or not.

The project will help understand the sociological impact of economic decisions by the governance and help direct policies to more beneficial outcomes especially in terms of Tenancy and Credit.

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