<abstract xmlns="http://www.w3.org/1999/xhtml">

<bold>Subject and purpose of work:</bold> T he s tudy a ims t o identify t he constraints in t he f unctioning of PACS in Haryana, India.
<bold>Materials and methods:</bold> The study was based on primary data collected from nine PACS managers through schedule. The purposive sampling technique was employed for the selection of PACS. The percentage was used for data analysis. The data were collected in the second quarter of 2022.
<bold>Results:</bold> The study found that 100 % of PACS managers regarded lack of adequate funds, a low level of deposits, and increased day-to-day government intervention as constraints in the functioning of PACS. Subsequently, the respondents mentioned inability to mobilise resources (77.77%), lack of managerial skills (77.77%), lack of trained staff (55.55%), improper channel of recovery system (44.44%), untimely repayment and poor recovery percentage of the loan (44.44%), political interference (33.33%), difficulties due to low educational level of borrowers (22.22%), and uncooperative attitude of borrowers (11.11%).
<bold>Conclusions:</bold> Main constraints in the functioning of PACS are lack of adequate funds, a low level of deposits, increased day-to-day government intervention, inability to mobilise resources, and lack of managerial skills.
</abstract>

Subject and purpose of work: T he s tudy a ims t o identify t he constraints in t he f unctioning of PACS in Haryana, India.
Materials and methods: The study was based on primary data collected from nine PACS managers through schedule. The purposive sampling technique was employed for the selection of PACS. The percentage was used for data analysis. The data were collected in the second quarter of 2022.
Results: The study found that 100 % of PACS managers regarded lack of adequate funds, a low level of deposits, and increased day-to-day government intervention as constraints in the functioning of PACS. Subsequently, the respondents mentioned inability to mobilise resources (77.77%), lack of managerial skills (77.77%), lack of trained staff (55.55%), improper channel of recovery system (44.44%), untimely repayment and poor recovery percentage of the loan (44.44%), political interference (33.33%), difficulties due to low educational level of borrowers (22.22%), and uncooperative attitude of borrowers (11.11%).
Conclusions: Main constraints in the functioning of PACS are lack of adequate funds, a low level of deposits, increased day-to-day government intervention, inability to mobilise resources, and lack of managerial skills.

Constraints in the Functioning of Primary Agricultural Cooperative Societies in Haryana State, India

Economic and Regional Studies / Studia Ekonomiczne i Regionalne

This work is licensed under the Creative Commons Attribution 4.0 International License.

Subject and purpose of work: T he s tudy a ims t o identify t he constraints in t he f unctioning of PACS in Haryana, India.
Materials and methods: The study...

Constraints in the Functioning of Primary Agricultural Cooperative Societies in Haryana State, India

Published Online: Dec 29, 2022

Page range: 509 - 518

Received: Aug 01, 2022

Accepted: Sep 01, 2022

DOI: https://doi.org/10.2478/ers-2022-0034

Keywords
PACS, agriculture cooperatives, functioning, agricultural credit, Haryana State

© 2022 Suninder Singh et al., published by Sciendo

This work is licensed under the Creative Commons Attribution 4.0 International License.

Constraints in the Functioning of Primary Agricultural Cooperative Societies in Haryana State, India

Published Online: Dec 29, 2022

Page range: 509 - 518

Received: Aug 01, 2022

Accepted: Sep 01, 2022

DOI: https://doi.org/10.2478/ers-2022-0034

KeywordsPACS, agriculture cooperatives, functioning, agricultural credit, Haryana State

© 2022 Suninder Singh et al., published by Sciendo

This work is licensed under the Creative Commons Attribution 4.0 International License.

Keywords
PACS, agriculture cooperatives, functioning, agricultural credit, Haryana State