Title: Determinants of agriculture credit by commercial bank in Haryana (India): an application of ARDL model

Authors: Rohtash Bhall; Kavita Berwal

Addresses: PIMR Parul University, Vadodara, Gujarat, India ' New Delhi Institute of Management, New Delhi, India

Abstract: Agriculture has significant contribution in the development of the Indian economy. The current study aims to analyse the determinants of agriculture bank credit distributed by the commercial banks in Haryana. For empirical analysis, the autoregressive distributed lag approach (ARDL) is used, with data ranging from 2002 to 2021. The study shows that bank size (BS), economic growth (GDP), and land holdings (LH) have positive and significant impact, whereas inflation rate (IFR) have negative and significant effect on agri-bank credit (AC) in long-run. However, in the short run, only GDP has a significant and positive impact on the supply of AC, whereas inflation has a negative and insignificant impact on AC.

Keywords: bank credit; commercial banks; banking system; assets and liabilities; interest rate; deposits; non-performing assets; NPA; economic growth; India.

DOI: 10.1504/IJAITG.2024.143904

International Journal of Agriculture Innovation, Technology and Globalisation, 2024 Vol.4 No.3, pp.227 - 242

Received: 30 Oct 2023
Accepted: 06 Dec 2023
Published online: 13 Jan 2025 *

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