Principles of Credit in Agricultural Financing
DEPARTMENT of AGRICULTURE
SHRI GURU RAMRAI UNIVERSITY, DEHRADUN UTTARAKHAND
Outline
Five C’s of Credit
Seven P’s of credit
Principle of productive purpose
Principle of productivity
Principle of personality
Principle of phased disbursement
Principle of proper utilization
Principle of payment and protection
5 C’s of Credit
7 P’s of Credit
Principal of productive purpose
It refers that the loan amount given to the farmer-
borrower should be capable of generating
additional income.
Principal of Personality
It deals with trustworthiness of the borrower.
Safety element of the loan is not totally depends up
on the security offered but also on the personality.
Thank you
Prepared By -
Dr. J P SINGH
ASSOCIATE PROFESSOR
DEPARTMENT OF AGRICULTURE AND AGRONOMY
Explore the key principles guiding credit in agricultural financing as outlined by Dr. J.P. Singh, including the Five Cs of Credit and the Seven Ps of Credit. Learn about the importance of factors such as productive purpose, productivity, and proper utilization in ensuring successful lending practices. Discover how the borrower's character, capacity, and capital play crucial roles in credit evaluation, alongside the significance of phased disbursement and payment protection.
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Presentation Transcript
LECTURE PREPARED BY - Dr. J P Singh Associate Professor (SGRRU, Dehradun ) DEPARTMENT of AGRICULTURE SHRI GURU RAMRAI UNIVERSITY, DEHRADUN UTTARAKHAND
Outline Five C s of Credit Seven P s of credit Principle of productive purpose Principle of productivity Principle of personality Principle of phased disbursement Principle of proper utilization Principle of payment and protection
5 Cs of Credit Character Capacity Capital Condition commonsense
7 Ps of Credit Principal of productive purpose Principal of personality Principal of productivity Principal of phased disbursement Principal of proper utilization Principal of payment Principal of protection
Principal of productive purpose It refers that the loan amount given to the farmer- borrower should be capable of generating additional income.
Principal of Personality It deals with trustworthiness of the borrower. Safety element of the loan is not totally depends up on the security offered but also on the personality.
Thank you Prepared By - Dr. J P SINGH ASSOCIATE PROFESSOR DEPARTMENT OF AGRICULTURE AND AGRONOMY
