AI SearchCredit for rural development : a case study of Kegalle District Integrated Rural Development Credit Scheme, Sri Lanka
Call Number: AIT Thesis no. HS-94-04 Material type:
TextSeries: Asian Institute of Technology. Thesis ; no. HS-94-04Publication details: Bangkok : Asian Institute of Technology, 1994Description: 142 leavesSubject(s): Online resources: Dissertation note: Thesis (M.Sc.) - Asian Institute of Technology, 1994 Summary: This study shows how far a credit scheme is able to overcome conventional problems and objectives of a project. The main focus of this study is to evaluate the sub-credit scheme on industrial credit. Suitability of agricultural credit through institutional mechanism for the study area is another aspect of the study. Reasons behind low disbursement of agricultural credit and characteristics of small industries are analyzed to understand the nature and extent of problems. The sub-credit scheme for small industries is evaluated to understand whether it achieved its objectives. Three aspects, efficiency, effectiveness and economy are considered. Efficiency relating to some aspects has increased, but provision of credit is not very effective since other factors relating to small industries affect the final outcome. Comparison between borrowers and non borrowers relating to outcome do not show a significant difference. Industries which borrowed to initiate projects are not successful compared with those industries which borrowed to expand. Lack of management skills, technical skills, and lack of organizational setup has affected both lenders and borrowers. Policy and operational measures are recommended in order to overcome those problems.
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A thesis submitted in partial fulfillment of the requirements for the degree of Master of Science
Thesis (M.Sc.) - Asian Institute of Technology, 1994
This study shows how far a credit scheme is able to overcome conventional problems and objectives of a project. The main focus of this study is to evaluate the sub-credit scheme on industrial credit. Suitability of agricultural credit through institutional mechanism for the study area is another aspect of the study. Reasons behind low disbursement of agricultural credit and characteristics of small industries are analyzed to understand the nature and extent of problems. The sub-credit scheme for small industries is evaluated to understand whether it achieved its objectives. Three aspects, efficiency, effectiveness and economy are considered. Efficiency relating to some aspects has increased, but provision of credit is not very effective since other factors relating to small industries affect the final outcome. Comparison between borrowers and non borrowers relating to outcome do not show a significant difference. Industries which borrowed to initiate projects are not successful compared with those industries which borrowed to expand. Lack of management skills, technical skills, and lack of organizational setup has affected both lenders and borrowers. Policy and operational measures are recommended in order to overcome those problems.
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