Transforming Agribusiness through Rural Finance in India: Trends, Challenges, and Sustainable Pathways
インドにおける農村金融を通じたアグリビジネスの変革：動向、課題、持続可能な経路 (AI 翻訳)
Vidyawati, R. Jadoun, Saurabh Singh
🤖 gxceed AI 要約
日本語
本研究はインドの農村金融がアグリビジネス発展に与えた影響を分析し、非公式融資から多様な制度融資への移行を検討する。商業銀行が主要な農業融資提供者となる一方、小規模農家は担保や手続きの複雑さなどの制約に直面し、地域間格差も存在する。持続可能な農業成長のためには、デジタル統合、地域特化政策、協同組合の強化、金融教育などが重要と提言する。
English
This study analyzes the impact of rural finance on agribusiness development in India, focusing on the shift from informal lending to institutional credit. Commercial banks dominate agricultural credit, but small farmers face constraints like collateral and procedural complexity, with regional disparities. It recommends digital integration, region-specific policies, and financial education for sustainable growth.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
インドの農業金融の課題は、日本における農業の脱炭素化や持続可能な農業投資の文脈で参考になる。特に、小規模農家への資金アクセス改善は、日本の農業のGX推進における資金調達メカニズムの示唆を与える。
In the global GX context
This paper offers insights into how rural finance can support sustainable agriculture, relevant to global discussions on climate finance for agriculture. The challenges of smallholder access to credit mirror issues in other developing regions, informing policy for climate-resilient agribusiness.
👥 読者別の含意
🔬研究者:Provides empirical trends on agricultural credit in India, useful for comparative studies on climate finance in agriculture.
🏢実務担当者:Highlights financing gaps and digital solutions that could inform agribusiness sustainability strategies.
🏛政策担当者:Suggests policy pathways for inclusive rural finance that could integrate climate resilience goals.
📄 Abstract（原文）
This study examines how rural finance has shaped agribusiness development in India, with emphasis on the transition from informal lending to a diversified institutional credit system. Using secondary data from official reports, surveys, and scholarly sources, the analysis reviews long-term trends in agricultural credit, agency-wise disbursement, regional distribution, and the relative roles of commercial banks, Regional Rural Banks, cooperative institutions, and NABARD. The findings indicate that institutional credit has expanded markedly and has supported investment in farm inputs, technology, irrigation, post-harvest infrastructure, and risk-management mechanisms. Commercial banks have become the principal providers of agricultural credit, while Regional Rural Banks and cooperatives continue to perform important financial inclusion functions. However, the expansion of formal lending remains uneven. Small and marginal farmers face constraints related to collateral, documentation, procedural complexity, and limited local outreach, while the eastern and north-eastern regions receive comparatively lower levels of credit. Continued reliance on informal lenders, insufficient medium- and long-term finance, and uneven loan amounts further limit the contribution of credit to sustainable agribusiness growth. The study identifies digital integration, region-specific policies, stronger cooperative networks, financial education, public-private collaboration, and improved alignment of credit products with agricultural cash-flow cycles as key pathways for strengthening rural finance. A more inclusive, transparent, and farmer-oriented credit system is required to support resilient and sustainable agribusiness development across India.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://doi.org/10.56557/jobari/2026/v32i410915first seen 2026-08-05 05:27:32
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