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Financial well-being and agricultural credit access among organic and conventional farmers: the role of socio-economic factors

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  • Md Sikandar Azam
  • M. Banumathi
  • Satish Chandra Tiwari
  • Arokiaraj David

Abstract

Sustainable livelihoods for small and marginal farmers in India face significant challenges, with many relying on non-institutional sources such as moneylenders. This study examines the financial condition of organic and conventional farmers and their access to agricultural loans. Primary data were collected from both organic and conventional farmers in India. The farmers' financial status was evaluated through focus group discussions, followed by a questionnaire. The findings reveal that educated and financially stable large-scale farmers benefit significantly from financial institutions in accessing agricultural loans. This study recommends establishing a Farm Economic Performance Index (FEPI) to assess farmers' financial health, identify needy farmers, and support them. The study provides key policy insights to enhance financial inclusion, strengthen institutional credit systems, and promote organic farming through assessing financial health, targeted subsidies, training, and financial literacy initiatives.

Suggested Citation

  • Md Sikandar Azam & M. Banumathi & Satish Chandra Tiwari & Arokiaraj David, 2026. "Financial well-being and agricultural credit access among organic and conventional farmers: the role of socio-economic factors," International Journal of Agricultural Resources, Governance and Ecology, Inderscience Enterprises Ltd, vol. 20(2), pages 159-182.
    • Handle: RePEc:ids:ijarge:v:20:y:2026:i:2:p:159-182
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