“…Concerning access to credit, government crop loans, other specialized schemes financed through nationalized and regional banks were available and accessible to meet the credit needs of farmers. While formal and informal credit facilities were available for all the farmer categories, the large and medium farmers accessed more credit from the banks while the small and marginal farmers relied on the informal credit system (Banerjee, Kamanda, Bantilan, & Singh, 2013); as farmers with larger acreage of land and assured irrigation facilities were perceived positively by lenders while disbursing loans (Pal & Laha, 2014). In both study sites, large and medium farmers (mostly upper caste groups) accessed most of the loans, incidents of non-repayment by some farmers, due to crop loss coupled with crop loan waivers by the government, rendered banks unable to sanction loans to small and marginal farmers.…”