International E-publication: Publish Projects, Dissertation, Theses, Books, Souvenir, Conference Proceeding with ISBN.  International E-Bulletin: Information/News regarding: Academics and Research

The Effect of Zarai Taraqiati Bank in Enhacing Farm Productivity through Agricultural Credit - A Case Study of District Lakki Marwat, KPK-Pakistan

Author Affiliations

  • 1Social Sciences Research Institute, (NARC), Islamabad, PAKISTAN
  • 2Faculty of Rural Social Sciences, Khyber Pakhtunkhwa Agricultural University, Peshawar, PAKISTAN
  • 3Social Sciences Research Institute, (NARC), Islamabad, PAKISTAN
  • 4Social Sciences Research Institute, (NARC), Islamabad, PAKISTAN
  • 5Social Sciences Research Institute, (NARC), Islamabad, PAKISTAN
  • 6Social Sciences Research Institute, (NARC), Islamabad, PAKISTAN

Res. J. Agriculture & Forestry Sci., Volume 1, Issue (8), Pages 1-4, September,8 (2013)


This study was deliberate to observe the outcome and utilization of credit advanced by Zarai Taraqiati Bank Limited. To ensure the Socio-economic conditions of farmers in Lakki Marwat district, a total of 100 respondents were selected from purposively selected villages. The 100 respondents were divided into half and the 50 respondents were the beneficiaries of ZTBL and 50 respondents were the non-beneficiaries. To match up and evaluate the production and income of beneficiaries with non-beneficiaries an independent sample t-test was used. The results show that only (12%) of the beneficiaries respondents have utilized credit for the right purpose while the majority of them (i.e. 88%) have utilized credit for mixed purposes like for agriculture purpose, household expenditures, marriages and for reconciliation purposes. The results also specify that credit has no positive effect on production and income of the farmers in the area. However, those who utilized the credit for the desired purpose have better production and income than others. However this increase in production and income is not significant. The high interest rate, delay in credit disbursement and lengthy procedure of getting credit from the bank is one of the main problem.


  1. Govt. of Pakistan, Economic survey of Pakistan. Ministryof Finance, Econ. Advisorís Wing, Islamabad, Pakistan, 13(2010-11)
  2. Shaukat Masood Zafar, , Rural Credit in Pakistan and role ofZTBL, By Technology Times at July 17, (2011)
  3. Hanif M., S. Khan and F. Nauman, , Agricultural perspectiveand policy, ISBN 969-8581-06-5 Ministry of Food,Agriculture and Livestock (MINFAL), Islamabad (2004)
  4. Ahmad M., The effects of AKRSPís micro-creditprogramme on agriculture and enterprise development indistrict Astore Northen areas implication for povertyalleviation, (Hons) Thesis, Deptt. of Agric. Econ.Agric. Univ. Peshawar, Pakistan (2007)
  5. Iqbal M, M. Ahmad and K. Abbas, The impact ofinstitutional credit on agricultural production in Pakistan, The Pakistan Development Review, 42, 469-485 (2003)
  6. Khan N., Shafi M.M., Shah M., Islam Z., Arif M., Javed R.and Shah N.,, Review of past literature on agriculture creditin rural area of Pakistan, Sarhad J. Agri., 27(1), 103-110(2011)
  7. Abedullah N. et al., The role of agriculture credit in thegrowth of livestock sector: A case study of Faisalabad, Pakistan Vet. J. 29(2), 81-84 (2009)
  8. Olagunju F.I., Impact of Credit Use on ResourceProductivity of Sweet Potatoes Farmers in Osun-State, Nigeria. J. Soc. Sci., 14(2), 175-178 (2007)
  9. Javed M.S., Hassan S., Adil S.A., Ahmad A.S., ChattahM.W.A. and Nawaz Z., Impact assessment of micro-creditprogramme of PRSP on crop productivity, Pak. J. Agri.Sci., 43(3-4), 209-212 (2006)
  10. Bashir M.K. and Azeem M.M., Agricultural credit inPakistan: constraints and options Pak, J. Life Soc. Sci., 6(1),47-49 (2008)
  11. Ahmed T. and Gill Z.A., Role of agricultural credit andefficiency and commercial banks in Pakistan, Int. J. Agri.Biol. 9(6), 921-924 (2007)