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\hypersetup{pdftitle={Revamping Innovative Practices for  Agriculture Finance  through Microfinance with Special Reference to Nabard ---a Study of State of PUNJAB(INDIA)},pdfauthor={Navreet Kaur},pdfsubject={Tropentag 2016: Abstract},pdfkeywords={Credit, Joint Liability Group, keywords-Microfinance, Self- help Group, Sustainable livelihood},pdfpagemode=None,colorlinks=true}
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\parbox[b]{13.4cm}{\centering \large{\textbf{Tropentag, September 18-21, 2016, Vienna, Austria}}\\[1ex] \Large{``Solidarity in a competing world ---\\fair use of resources''\\[2ex]}}
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\Large{\textbf{Revamping Innovative Practices for  Agriculture Finance  through Microfinance with Special Reference to Nabard ---a Study of State of PUNJAB(INDIA)\footnote{\textbf{Contact Address:} Navreet Kaur, Panjab University Chandigarh, Department of Public Administration, Tii 66 Panjab University Residential Complexsector 25, 160014~Chandigarh, India, \mbox{e-mail}: \email{navreet9@gmail.com}}\\[0.8ex]}}
\normalsize{\textsc{Navreet Kaur}}
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\item[]{\small{\textit{Panjab University Chandigarh, Department of Public Administration, India}}}
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\textbf{Abstract}
\begin{abstract}
\normalsize{
Agriculture and its allied sectors constitutes as the largest livelihood provider to the people and also contributes 13.9 per cent of GDP.The share of agriculture and allied sector in the GDP has been declined continuously  from 14.6 in 2010--11 to 13.9 in 2013--14.The reasons for this decrease includes reduction in land holdings,high debts,land degradation ,lack of new technology and lack of access to agriculture finance.The studies has shown that easy access to financial services at affordable cost positively affects the productivity,asset formation,income and food security of the rural poor. Strategical interventions by the state through policies and programmes and active participation of  farmers in implementation will pave the way towards the sustainable agriculture. Financial innovations through community based financial organisations(CBFOs), co"=operative societies and microfinance have significant potential to make access to financial assistance for the rural poor farmers.



Multiple agencies had been set up in order to provide  adequate financial support to  farmers with particular focus on small and marginal farmers and weaker sections of the society.The policy emphasised on augumenting credit flow at the ground level.The credit is disbursed through multiple agencies consisting of commercial banks ,regional rural banks,co"=operatives.The disbursement of credit through banks is carried out to poor farmers through microfinance  .



Microfinance is an important intervention for providing an opportunity for  accessibility of credit to rural poor  from formal institutions without any collateral .The lending mechanism against mutual guarantee to engage in similar type of economic activity in the Farm and Non-Farm sector. National Bank for Agriculture And Rural Development (NABARD) acts as facilitator and provider of microfinance .The  Objective of NABARD  is -to spread the outreach of the SHGs-Bank linkage programme by widening spatial distribution and intensity of the outreach of the programme with district oriented planning and strategy; providing provisional assistance to partners for promoting and nurturing SHGs(Kalpana 2005)



An attempt will be made  in this paper to study the Role of NABARD   as Facilitator for financial inclusion of  farmers;to assess the impact of financial inclusion on sustainable livelihood of SHGs of farmers and also to study the accessibility of credit to farmers.    }

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\noindent \textbf{Keywords:} Credit, Joint Liability Group, keywords-Microfinance, Self- help Group, Sustainable livelihood
\index[key]{Credit}
\index[key]{Joint Liability Group}
\index[key]{Keywords-Microfinance}
\index[key]{Self- help Group}
\index[key]{Sustainable!livelihood}
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