Agricultural Credit and Farm Productivity An Economic Analysis of Haryana

Author(s)	Ms. Rachna Malik, Dr. Sangeeta Chaudhary
Country	India
Abstract	Agricultural credit is a crucial input in improving farm productivity and ensuring food security. This paper investigates the relationship between agricultural loans and farm productivity in Haryana, India, using primary and secondary data sources. It analyzes how access to institutional credit influences the productivity of small and marginal farmers. The study finds that agricultural loans positively impact productivity through improved access to seeds, fertilizers, irrigation facilities, and machinery. However, constraints such as loan defaults, bureaucratic hurdles, and misuse of funds limit the full potential of credit in enhancing agricultural performance.
Keywords	Agricultural loan, Farm productivity, Institutional credit, Rural finance
Field	Sociology > Administration / Law / Management
Published In	Volume 8, Issue 1, January-February 2026
Published On	2026-02-15
DOI	https://doi.org/10.36948/ijfmr.2026.v08i01.66328

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