ECECONOMIC VIABILITY TESTS OF FARM INVISTMENT PROPOSAL
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ECECONOMIC VIABILITY TESTS OF FARM INVISTMENT PROPOSAL
- 2. LOGO
- 3. LOGO SEMINAR ON Department Of Agriculture Economics COA Naigaon (Bz), Nanded. Course Teacher: Prof. Chatse D.B Assistant Professor Department Of Agril. Econ.COA,Naigaon(Bz)
- 4. LOGO ECONOMIC VIABILITY TESTS OF FARM INVISTMENT PROPOSAL
- 5. LOGO
- 6. Topic to be discuss 6 Common sense5 Capacity2 Capital3 Condition4 Character1
- 7. ECONOMIC VIABILITY TESTS OF FARM INVESTMENT PROPOSAL Character 5 Cs credit Capital Common sense 7 Capacity Condition
- 9. Character • The character of borrower consist with honesty, integrity, commitment, hard-work and promptness on which institutional agency can keep confidence. The base for credit transactions is the strong trust. • Generally, people with good metal and moral character can also have a good credit character. Thus, by considering the character, the loan proposal can be accepted by the banker from the borrower.
- 10. LOGO Capacity:
- 11. Capacity Capacity is synonymous with repayment capacity. It is residual income after meeting working expenses, family expenditure and other dues. Thus, capacity depends upon the residual income obtained in the farm business, C = f(Y). Where, C = capacity of borrower in Rs. Y = residual income in Rs per farm. In short, higher the residual income during the year, the higher will be the capacity farmer to repay loan.
- 12. LOGO Capital :
- 13. Capital: Capital represent the networth of the farm. The balance sheet indicates the assets and liabilities, When liabilities are deducted from the assets, the remained balance is the network of the individual. Thus the higher will be the own capital invested in the farm business. In other words, the capital implies the availability with the framer, when character and character and capacity proved to inadequate.
- 17. COMMEN SENSE It relates to perfect understanding between the banker and the farmer in credit transaction in farm business. Here, the farmer is ready of finance and the banker can understand it. Thus, this is ready in need of finance and the banker can understand it. Thus, this is in fact prima- facie requirement for obtaining credit for the farmer.