A Study Of Trends In Comparative Performance Of Primary Agricultural Cooperative Credit Societies (Paccs) In India And Tamil Nadu Since 2007-08 To 2016-17

Abstract

Primary Agricultural Cooperative Credit Societies are gross root level rural agricultural community participated credit organisations. It lends credit to the rural population for their economic development. This paper comparatively analysed and examined the performance of PACCS at the national level and the state level through its number of banks and its members, number of borrowers and total borrowing. The paper validated the effectiveness of PACCS and their members through its loan outstanding, number of demand, total collection and total overdue of loan.   The study found that there is an increasing trend of number of PACCS, number of members, number of borrowers and total borrowing amount. The strength of the PACCS has improved even though there was a fluctuation only in total working capital that was finally recovered. The effectiveness of the PACCS was understood through its overdue that was reduced over the period. At the national level the PACCS performance was increased, strength has improved and it performed effectively over the period from 2007-08 to 2016-17.