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The present study is based on the Ninety borrower farmers who were selected randomly from five villages of Manihari block of Ghazipur district. The study aims to find out the socio-economic profile of the sample borrower farmers, pattern of utilization of credit, its sources, productive and unproductive uses of credit etc. The study revealed that on an average 15.54 and 84.46 percent credit was made available from cooperative and commercial bank respectively. The major finance was made available to purchase tractor, which is used to perform various farm operations. The term and cooperative loan was reported 81 and 19 percent respectively and least misutilisation of credit was found among sample borrower farmers.


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