A few words about this book on the ‘’Magnitude of co-operative credit Defaults by Farmers in YSR District of Andhra Pradesh”(with references to primary agricultural co-operative societies). This book is focused on agriculture credit structure in India as well as YSR District and reasons of agricultural credit defaults in primary agricultural co-operative societies in YSR District. Give the suggestions to reduce the agricultural credit defaults and enhance the agriculture credit supply in rural areas. In my hopes book is used to co-operative students at the training centres the students of commerce and co-operation in the colleges and universities would be benefited in understanding through this humble endeavour of mine the techniques of co-operative societies for providing where withal to the million of un organised poor peasants, I shall feel more than rewarded for this venture on my part.

Over Nearly Four Decades Of Their Chequered History, Co-Operative Agriculture And Rural Development (Card) Banks Have Been Able To Emerge As An Outstanding Co-Operative Institution, Catering Exclusively To The Investment Credit Needs Of The Rural Areas. The Kerala Card Bank Is Considered To Be The Best Among The Developing Banks Based On Its Outstanding Performance In Terms Of Many Indicators Like The Quantum Of Advances Made, Reserves, Profit, Small Farmer Coverage Etc. It Has Diversified Its Activities So As To Cover And Assist Rural Artisans, Small Scale Industrialists And Has Also Launched The Financing Of Rural Housing.The Study Examines The Role Of The Bank In Meeting The Long Term Credit Requirements Of The Rural Masses In The State. It Has Also Examined The Impact Of Lending, And The Utilisation And Recovery Pattern Of Loan Advanced.The Study Makes A Brilliant Exposition Of All These Issues And Highlights The Real Problem Prevailing At The Beneficiary Level. The Author Has Used Various Statistical Tools To Make The Study Scientific And Accurate. This Book Should Be Of Vital Importance To Policy Makers And Researchers.