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IMPACT OF GREEN BANKING ON CLIMATE-RESILIENT AGRICULTURAL PRACTICE IN HARYANA: A THEMATIC SYSTEMATIC REVIEW PAPER

ハリヤナ州の気候変動に強い農業実践におけるグリーンバンキングの影響：テーマ別系統的レビュー論文 (AI 翻訳)

Mr. Mohit, Prof. Sunita Sukhija

EPRA International Journal of Economics Business and Management Studiesプレプリント2026-04-30#気候金融対象セクター: agriculture
DOI: 10.36713/epra27374
原典: https://doi.org/10.36713/epra27374

🤖 gxceed AI 要約

日本語

本論文は、ハリヤナ州における気候変動に強い農業実践（CRAP）に対するグリーンバンキングの影響に関する系統的レビューである。主な知見として、信用の利用可能性よりも条件が重要であり、インドの銀行は制度的なグリーンコミットメントを持つものの小規模農家向け製品に反映されていないこと、バングラデシュや中国の事例では具体的な効果が確認されたことを示す。政策含意と知識ギャップを提示している。

English

This systematic review examines green banking's role in promoting climate-resilient agricultural practices (CRAPs) in Haryana, India. It finds that credit terms, not just access, strongly predict CRAP adoption, that Indian banks' green commitments lack smallholder-specific products, and that successful cases from Bangladesh and China demonstrate measurable impacts. The paper outlines policy implications and identifies five key knowledge gaps for future research.

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

本論文はインド・ハリヤナ州を事例としているが、グリーンバンキングと気候適応型農業の連携に関するフレームワークは、日本の農業金融や地域適応策にも示唆を与える。特に、小規模農家向けの金融商品設計の課題は日本でも共通する。

In the global GX context

This systematic review synthesizes evidence on green banking for climate-resilient agriculture, offering lessons for global green finance policy. It underscores the importance of tailoring financial products to smallholder needs and demonstrates that credit terms matter more than mere access, with successful cases from Bangladesh and China providing benchmarks.

👥 読者別の含意

🔬研究者:Provides a structured thematic review with identified knowledge gaps for future empirical research on green banking and agricultural adaptation.

🏢実務担当者:Highlights the need for banks to design differentiated green credit products for smallholder farmers, not just institutional commitments.

🏛政策担当者:Suggests that policy should focus on credit terms and product design to incentivize climate-resilient practices, drawing on evidence from South Asia.

📄 Abstract（原文）

Haryana's agricultural sector faces intersecting crises of climate variability, groundwater depletion, and the need to shift away from ecologically intensive rice-wheat monoculture. Green banking the practice of designing financial products and lending policies to incentivise environmentally sustainable behaviour offers a potentially transformative instrument for financing this transition. Yet the empirical evidence base linking green banking instruments specifically to the adoption of climate-resilient agricultural practices (CRAPs) in Haryana remains limited and methodologically dispersed. This thematic systematic review conducted out of 312 initial records, 22 studies passed sequential deduplication, title-abstract screening, and full-text eligibility assessment. Thematic analysis organises the evidence under five interconnected themes: (A) green banking concepts and India's regulatory context; (B) agricultural finance, credit access, and CRAP adoption in India; (C) comparative evidence from green finance and agricultural sustainability in China and South Asia; (D) Haryana's groundwater and climate stress as a structural adoption driver; and (E) policy instruments, barriers, and finance architecture. Across these themes, the evidence converges on three central findings. First, credit access particularly its terms rather than mere availability are among the strongest predictors of CRAP adoption in India, with credit-constrained households being 2.7 times less likely to adopt improved technologies (Birthal et al., 2015). Second, Indian banks, including those operating in Haryana, have made substantive green commitments at the institutional level but have not systematically designed these into smallholder-accessible agricultural products. Third, in contexts where green banking has been operationalised with genuine product differentiation as in Bangladesh's solar irrigation refinancing and China's green credit guidelines measurable reductions in environmentally harmful agricultural practices follow. The review concludes with evidence-grounded thematic policy implications for Haryana and closes by mapping five specific knowledge gaps that constitute the agenda for primary research in this domain. Keywords: Green banking, climate-resilient agriculture, NABARD, Kisan Credit Card, Smallholder credit, Indo-Gangetic Plains

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