Effects of Zarai Tarqiati Bank Limited Finance Program on Sugarcane per Hectare Yield in Rural Area of District Mardan

Finance play a key role in the development of agriculture. On the basis of scope and demand the present study was carried out in rural area of District Mardan. The major objective was to see the effects of finance program of ZTBL on Sugarcane per hectare yield in the study area .The Universe of the study was District Mardan which composed of three tehsil Mardan, Thakhth Bai and Katlang. Purposively from each tehsil two village was selected. The total beneficiaries’ number of the bank was 260 while sugarcane growers were only 105. With the help of interview schedule data were collected from the respondents. Descriptive statistics, Paired t-test and Benefit Cost Ratio were used for data analysis. Average yield after program was 54165 Kg per hectare and before was 37171 Kg per hectare. The result was found significant at 5% level. The correlation between various size of land and sugarcane per hectare yield was .031 and found non significant. It explains that one unit land increase, boost 3.1 percent yield per hectare in the total production of sugarcane. Average cost per hectare before was Rs.60857 and after was Rs.107493 and found statistically highly significant at 5% confidence level. Average return after credit per hectare was Rs.216658 and before was Rs.92929. The result was found highly significant. The benefit cost ratio of sugarcane after credit was Rs.2.02, while before credit was 1.53 and increase was 33%, which shows positive effects of the credit on return. The farmers facing number of problems and constrains such as high cost per hectare, high interest rate by bank, complicated procedure of the bank, non availability of loan in time and bank away from the growers etc. On the basis of problems few recommendation were suggested. such as Loan should be given on the right time to growers on low interest rate, sugarcane seed should be provided to farmers on low price. A stable Support and subsidized price system should be implemented by government for encouraging the sugarcane growers. According to requirement loan should be provided to sugarcane growers in the study area for boosting sugarcane production. Keywords: Effects, ZTBL, Credit Program, Production, Rural Are