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The study examines the effect of credit on yield gap and technical efficiency of Boro paddy production in the study area. The results indicated that credit receivers achieved higher amount of potential yield than the credit non-receivers. Mechanical power cost, irrigation cost, application of urea, application of MP and credit dummy had positive impact on reducing yield gap while human labor, TSP application and age had negative impact on reducing yield gap. Credit also showed positive impact on increasing technical efficiency. Technical efficiency was higher for credit receivers than the non receivers according to tenure status, age category, educational status, frequency of extension contacted.


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