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Survey of Indebtness among the Sheduled Tribes of AP-1976
The study was conducted in the Tribal areas of Srikakulam, Visakhapatnam, East Godavari, West Godavari, Khammam, Warangal, Adilabad, Mahaboobnagar, Kurnool, Ananthapur, Nellore and Guntur districts of A.P during 1976.
The objects of survey are :
1 To assess the magnitude of tribal indebtedness
2 To bring into light the traditional sources of credit and the "Modus Operandi" of the traditional money lending agencies
3 To explore the causes of indebtedness among the tribals.
4 To examine the relationship of indebtedness with certain variables like size of house hold, land holding, income, expenditure etc.,
5 To assess how far the co-operatives were able to replace the traditional money lenders and reduce indebtedness among tribals
6 To assess the impact of protective legislations and
7 To suggest ways and means of reducing the indebtedness among tribals.
The study reveals that 62.62% of the house holds are indebted. The average indebtedness of a tribal household is Rs.654.01. It is the highest in Bagata tribe and lowest in Mukha Dora tribe. The average indebtedness in yerukula, Yenadi and Sugali region is highest in Bagata tribe ad lowest in Mukha Dora tribe. The average indebtedness in Yerukula, Yanadi and Sugali region is highest(Rs.945-59) and lowest in Chenchu region (Rs.295.45) The indebtedness of a tribal household in Savara region is Rs.599.86; followed by Koya region where it is Rs,517.27. It is Rs.358.83 in Gond region.

The major agencies catering to the credit needs of the tribals are money lenders, Co-operatives (Girijana Cooperative corporation) and landlords. The study unfolds that out of the total number of indebted tribal households, as many as 42.59% received loans from money lenders /Sowcars. 35.38% of the tribal households are borrowing loans from the cooperative sector; of which 95% have received credit from Girijana Cooperative Corporation Ltd; 21.36% of the households have borrowed from land lords.

The important purpose for which the tribals borrow are agricultural operations, family maintenance, performance of Social and religious ceremonies and miscellaneous purposes such as redemption of old debt, purchase of cattle, etc, it is noticed that some of the house holds are borrowing for more than one purpose. Large proportion of households (71.55%) are borrowing for family maintenance and for performing Social and religious ceremonies. Further it is observed that there is diversion of loan from productive purpose to unproductive purpose.
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