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Advances in Politics and Economic 
ISSN 2576-1382 (Print) ISSN 2576-1390 (Online) 

Vol. 3, No. 3, 2020 
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20 
 

Article Review 

Article Review: Impact of Kissan Credit Cards on the 

Socio-Economic Life of People in Jammu and Kashmir (2017) 

by Nasir Ahmad Ganaie and Ramdas Rupavath 

Review by Yawar Shamim1* & Nasir Ahmad Ganaie2 

1 Department of History, School of Social Sciences, University of Delhi, Delhi-110007, India 
2 Department of Political Science, School of Social Sciences, University of Hyderabad, CUC-500046, 

Telangana, India 
* Yawar Shamim, Department of History, University of Delhi, India 

 

Received: June 6, 2020          Accepted: June 23, 2020        Online Published: July 4, 2020 

doi:10.22158/ape.v3n3p20            URL: http://dx.doi.org/10.22158/ape.v3n3p20 

 

Article Review of “Impact of Kissan Credit Cards on the Socio-Economic Life of People in Jammu and 

Kashmir”(2017) by Nasir Ahmad Ganaie & Ramdas Rupavath, International Journal of Modern Social 

Sciences, 6(1), pp. 1-21, ISSN: 2169-9917, Florida, USA. 

 

1. Outline 

The authors in this scholarly work titled “Impact of Kissan Credit Cards on the Socio-Economic Life of 

People in Jammu and Kashmir” by (Ganaie & Rupavath, 2017) have tried to examine the impact and 

success rate of the Kissan Credit Cards (KCCs) besides evaluating the efficiency of this centrally 

sponsored scheme on the life of the people in Jammu and Kashmir. The authors have tried to explore 

the relationship between unemployment and the Kissan Credit Cards, as we all are aware that India up 

to its independence from the British colonial forces in the year 1947 had been a victim of the 

colonialism. Jammu and Kashmir, which was a princely state at that time and before the merger with 

the Union of India had/has been a victim of British and Dogra colonial powers (Ganaie, 2015a, 2015b, 

2015c). India has been considered as an agricultural nation, and its majority of the population depends 

on this agricultural production, besides this, the agricultural sector of our country has been generating 

enormous sources of employment generation methods. The government of India particularly at the 

intermediate level always initiate policies for the wellbeing of the farmers besides trying to 

revolutionize the agricultural sector, in order to enhance their agricultural production during the last 

decade of the twentieth century, the government of India in association with the Reserve Bank of India 



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(RBI) and National Bank for Agricultural and Rural Development (NABARD) established a new 

scheme widely known as KCC (Kissan Credit Card). The KCC was introduced in the society as a 

preventive tool for farmers from preharvest to the post-harvest stage to make farmers self-reliant and 

independent from the highest commission granting agencies and agents. 

The authors in this brilliant scholarly work have used rich literature for compiling this paper, and they 

were successful in finding out how the agricultural sector had become a prey of inefficiency due to the 

lack of timely credit availability and how the agrarian price and credit subsidy policies may raise the 

interest rate of informal credit markets. 

 

2. Politics of KCC in Jammu & Kashmir 

The economy of the union territory of Jammu and Kashmir has always been challenged by the 

unpredictable weather conditions besides unforeseen extremist rise, rise in separatism, armed 

insurgency(Ganaie, 2018a, 2018b, 2018c) and in addition to that the farmers of the Jammu and 

Kashmir have always seen a non-availability of the credit at the needy time. The authors argued that all 

the inescapable needs of the farmers were fulfilled by this centrally subsidized scheme which was 

brought there in collaboration with the highest private lending bank of Jammu and Kashmir which is 

officially called as Jammu and Kashmir Bank. 

The authors strongly argue that Kissan credit card remained politically active in Jammu &Kashmir till 

the abrogation of the article 370, it was used as a political toy between the political parties of Jammu, 

and Kashmir (Ganaie, 2017), an incense of this can be quoted from authors paper on p. 5 

“The People’s Democratic Party (PDP) along with other Political parties, had used this tool to 

convenience voters. They promised the innocent voters that they are going to exempt them from paying 

the KCC loans if voted to power. The voters blindly voted for them in huge numbers and with this tool 

of propaganda they retained most of the seats in Kashmir region” (Ganaie, 2016). 

According to the authors mentioned Table 1 on p .3 reported by the government of Jammu and Kashmir 

during the initial years, the scheme got no expectation success as compared to the last 5-7 years. 

Moreover, it was mainly due to the less interest of the Jammu and Kashmir Bank in this centrally 

sponsored scheme. As per the authors, soon after the speedy growth of the programme at the central 

level the J&K bank also finally got stepped in and too keen and serious interest in the implementation 

of the programme and tried to enhance the credit delivery schemes in each and every part of the region. 

The research paper is an excellent read for anyone interested in knowing about the ‘socio-economic life 

of the Jammu and Kashmir.’ Regarding the primary and secondary sources, the authors have used a 

variety of observational methods, collected data from respondents of 336 people irrespective of their 

age group and religion from 877 villages in the selected districts of Union Territory of Jammu and 

Kashmir namely Shopian, Kulgam, Pulwama, Baramullah, and Bandipora. 

As we know, Kashmir is a populated Muslim region where men in most of the families regarded as the 

bread earner and this scope of earning are also influential in all the sectors of the society. All the KCC 



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holders were males, and on the other hand, 43% of the studied cardholders were employed while the 

rest were unemployed. 

93%, 86%, and 70.8% of the selected cardholders agreed that through the successful implementation of 

the said scheme they were economically uplifted, became financially self-reliant besides becoming 

independent on highest commissioned agencies respectively. However, the authors have claimed that 

there was vastly observed misconception and misinformation about the interest rate and renewal 

process regarding the said scheme. 

Irrespective of the limitations the authors in this scholarly contribution suggest the collaborations of the 

scheme especially from the Jammu & Kashmir bank side, the authors strongly recommend that firstly 

J&K bank should recruit a generous instructor or counsell or who should clarify or counsel the 

beneficiaries about the benefits of the scheme in advance and clear their doubts. Secondly, there must 

be a crop insurance and payment deferment while production failure due to the natural calamities or 

other sorts of crop failures. The authors deserve the appreciation of the way in which they have dealt 

with all significant issues and touched almost all the aspects of this centrally subsidized scheme for the 

people of Jammu and Kashmir. 

 

3. Acronyms 

GoI: Government of India 

IR: Interest Rate 

J&K: Jammu and Kashmir 

KCC: Kissan Credit Card 

NABARD: National Bank for Agricultural and Rural Development 

NC: National Conference 

PDP: Peoples Democratic Party 

RBI: Reserve Bank of India 

 

References 

Ganaie, N. A. (2015a). Naya Kashmir, land reforms and colonialism in Jammu and Kashmir, a study of 

national conference and its implications on the identity of state. International Journal of Applied 

Research, 1(13), 565-569. 

Ganaie, N. A. (2015b). Sikh Socio-Religious Reform Movements in Jammu and Kashmir from 

1900-1947. International Journal of Interdisciplinary and Multidisciplinary Studies (IJIMS), 2(8), 

12-16. 

Ganaie, N. A. (2015c). Socio-Religious Reform Movements of Muslims in J & K from 1900-47. 

International Journal of Innovative Research and Development, 4(6), 294-298. 

Ganaie, N. A. (2016, March 30). PDP-BJP coalition can uplift J&K. Rising Kashmir. Retrieved June 19, 

2020, from http://www.risingkashmir.com/news/pdpbjp-coalition-can-uplift-jk/ 



www.scholink.org/ojs/index.php/ape                 Advances in Politics and Economic                   Vol. 3, No. 3, 2020 

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Published by SCHOLINK INC. 

Ganaie, N. A. (2017). Instability and Unrest in Kashmir: A Case from Barriers of Optimism to Pellets. 

International Journal of Modern Social Sciences, 6(1), 51-93. 

Ganaie, N. A. (2018a). Modernizing Extremism: A Case of New Age Militancy in Kashmir. Advances in 

Politics and Economics, 1(1), 61. 

Ganaie, N. A. (2018b). Kashmir from Barriers of Discomfort to Hope: A Case of Hurriyat Conference. 

World Journal of Social Science Research, 5(3), 258. 

Ganaie, N. A. (2018c). Drama of Separatism. Urban Studies and Public Administration, 1(2), 320. 

Ganaie, N. A., & Rupavath, R. (2017). Impact of Kissan Credit Cards on the Socio-Economic Life of 

People in Jammu and Kashmir. International Journal of Modern Social Sciences, 6(1), 1-21. 

 

 


