Abstract
Agricultural growth is primarily function of capital investment because it acts as carrier of improved technology. In Pakistan about 81% growers are below the subsistence holdings. The formal institutions (Public, Private and civil society organizations with the title of NGOs) have extended the credit facilities to the growers from Rs.14,968 million to Rs.37,668 million during the period 1990/91 to 1999-2000. The number of small growers gets loan facility from the formal institutions and the majority is neglected. By this way, the formal institutions hardly meet 34% requirements of the growers.
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