Agricultural credit: Meaning, definition, need, classification

Agricultural credit: Meaning, definition, need, classification (कृषि ऋण: अर्थ, परिभाषा, आवश्यकता, वर्गीकरण):-

Meaning and Definition (अर्थ और परिभाषा):- 

> Agricultural credit refers to the various types of credit or loans provided to farmers and agrarian enterprises to finance agricultural operations. These operations may include purchasing inputs like seeds, fertilizers, pesticides, farm machinery, irrigation systems, and covering other expenses related to farming activities.

(कृषि ऋण उन विभिन्न प्रकार के ऋणों को संदर्भित करता है जो किसानों और कृषि उद्यमों को कृषि गतिविधियों के वित्तपोषण के लिए प्रदान किए जाते हैं। इन गतिविधियों में बीज, उर्वरक, कीटनाशक, कृषि मशीनरी, सिंचाई प्रणाली खरीदना और अन्य खर्चों को शामिल किया जा सकता है जो कृषि से संबंधित होते हैं।)

> In simpler terms, agricultural credit is the financial support extended to farmers to help them carry out their agricultural activities smoothly and efficiently.

(साधारण शब्दों में, कृषि ऋण वह वित्तीय समर्थन है जो किसानों को उनकी कृषि गतिविधियों को सुचारू और प्रभावी ढंग से चलाने में मदद करने के लिए प्रदान किया जाता है।)

Need for Agricultural Credit (कृषि ऋण की आवश्यकता):- Agriculture, being a seasonal activity, often requires a significant amount of capital at different stages, such as for purchasing inputs before the start of the cropping season, managing unforeseen circumstances like crop failure due to adverse weather conditions, and investing in infrastructure for better productivity.

(कृषि एक मौसमी गतिविधि है और विभिन्न चरणों में महत्वपूर्ण मात्रा में पूंजी की आवश्यकता होती है, जैसे फसल के मौसम की शुरुआत से पहले इनपुट खरीदने, फसल विफलता जैसी अप्रत्याशित परिस्थितियों का प्रबंधन करने और उत्पादन बढ़ाने के लिए बुनियादी ढांचे में निवेश करने के लिए।)

i. Capital-intensive Nature (पूंजी की मांग):- Modern agriculture requires investment in high-quality seeds, fertilizers, pesticides, and equipment, which can be costly.

(आधुनिक कृषि में उच्च गुणवत्ता वाले बीज, उर्वरक, कीटनाशक और उपकरणों में निवेश की आवश्यकता होती है, जो महंगा हो सकता है।)

ii. Seasonal Income (मौसमी आय):-

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