Agricultural Credit Practices Quiz

Which of the following is NOT a recommended practice for providing credit to farmers?

What is the primary purpose of marketing loans for farmers?

Which of the following best describes investment loans?

What is the typical repayment period for seasonal agricultural operations or crop loans?

Which of these is not a classification of credit?

A farmer takes a loan for the purchase of a new tractor. Under which type of loan is this categorized?

What is the timeframe mentioned for repayment of consumption loan?

Which of the following is NOT a common malpractice of money lenders?

What was a significant cause for the increased dependence on agriculture during the British rule?

What is a primary reason for the continued dominance of money lenders in rural credit despite their unethical practices?

Which of these is considered an institutional agricultural credit agency?

Why are farmers in India vulnerable to exploitation by credit agencies?

Besides money lenders, which non-institutional agencies provide agricultural credit?

How do money lenders manipulate loan amounts?

What is a major consequence of agriculture's heavy dependence on monsoons in India?

What is a typical practice of money lenders regarding interest collection?

What primarily determines the quantum of credit for agricultural activities, as fixed by banks?

How is the Maximum Permissible Limit (MPL) for a Kisan Credit Card calculated?

Why are Kisan Credit Card limits bifurcated into sub-limits for short-term and term loans?

If a district level committee increases the scale of finance by more than 10% in any given year, what does the bank do?

When can installments for term loans be withdrawn?

Why might a large farmer be considered a wilful defaulter?

What is the primary factor, besides security, that impacts a loan's safety according to the text?

What does the principle of productivity emphasize in the context of credit?

What is the main purpose of phased disbursement of loans according to the content?

What does the principle of proper utilization of credit primarily focus on?

What is a disadvantage of phased disbursement of loans?

How is the personality of the borrower related to the growth of financial institutions?

In the context of the principle of proper utilization, what is something that needs to be ensured in rural areas?

What does the text suggest should ideally happen when investing in high-yielding varieties (HYVs)?

Which farmer would NOT be considered a wilful defaulter?

What is the primary purpose of the Kisan Credit Card (KCC) scheme?

Which of the following farmer types are eligible for the Kisan Credit Card (KCC) scheme?

For a farmer cultivating a single crop per year, what is included when calculating the short-term credit limit for the first year?

How is the credit limit adjusted for the second and subsequent years under the Kisan Credit Card (KCC) scheme?

What is included under the long-term credit limit portion of the Kisan Credit Card (KCC)?

What is the purpose of including a 10% addition in the credit limit for a farmer with a KCC beyond the first year?

If a farmer changes their cropping pattern, how does it affect their Kisan Credit Card limit?

Besides cultivation, what other types of needs can Kisan Credit Card be used for?

For farmers raising multiple crops in a year, how is their credit limit calculated under the KCC scheme for the first year?

What is the tenure of a typical Kisan Credit Card?