Tura, July 3: The benefits of the Kisan Credit Card scheme for farmers was discussed at an awareness programme held here today.
At least 500 participants, comprising self-help groups (SHGs), attended the daylong session addressed by officials from Nabard, agriculture and horticulture department.
Different speakers highlighted the farm credit package and proper use of agrarian land. They also threw light on bank linkages for availing loans through the Kisan Credit Card. Though the scheme has garnered attention among farmers in different parts of India, the figure in Garo hills is not encouraging. “The scheme is for the rural people. It should be availed with the right approach so the beneficiary could repay the loan,” said a speaker.
“The scheme has facilitated flexible, easy and timely credit delivery to farmers. It can be used to avail crop loans, term loans and consumption loans,” said a Nabard official.
The speakers also highlighted how the scheme had improved the farmers’ accessibility to bank credit, simplified credit delivery procedures and provided more flexibility in the use of credit.
“Some areas of concern remain to be addressed like the low level of awareness among farmers on the right use of the Kisan Credit Card,” said Anjeli Rangsa Marak, an official of the West Garo Hills Community Resource Management Society.
Marak has been mobilizing the formation of SHGs under the North Eastern Region Community Resource Management Project of the DoNER ministry. “There is little awareness about the scheme in the area. So, we have brought together SHGs from different areas of West Garo Hills to enlighten them about the scheme,” she said.
Speaking on the misconception that the screening for the bank credit process was a lengthy procedure, she said, “The whole idea of this programme is to sensitise the farmers to take up the best agricultural practices and increase their production by availing loans through the Kisan Credit Card.”