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The credit aspects of the Intensive Transplanted Aman Programme (ITAP) has been investigated in this study. Distribution of ITAP loan was size neutral. Per acre credit need estimated by ITAP was inadequate compared to actuai per acre cost of production. ITAP loan utilization and repayment were found to be unsatisfactory. Loan distribution mechanism has not been free from vested influence. ITAP loan has been appropriated by a good proportion of farmers who did not raise any aman. Substantial non-interest costs were required in getting ITAP loan.


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