Climate Risk, Agricultural Productivity and Bank Non-Performing Assets: A District-Level Comparative Study of Pune and Satara Districts, Maharashtra

Abstract

Climate change is a problem that affects farming and the economy in many countries. In Maharashtra the weather is getting harder to predict. This is hurting farmers. They are not getting much rain as they need and when they do it is too much. The temperature is also. This is making it hard for farmers to grow crops. This means they are not making much money and they are having trouble paying back their loans. This is a problem for banks because they are not getting their money back. This study looks at how climate change affects farming and banking in two areas of Maharashtra: Pune and Satara. Pune has a varied farming economy and better access to water and markets. Satara on the hand relies more on rain and is more affected by climate change. The study uses a combination of surveys, interviews and data from government agencies to understand the relationship between climate change, farming and banking. The study uses statistics and other methods to see how climate change affects farming and banking. It wants to know if climate change reduces farming productivity hurts farmers income and makes it more likely that they will default on their loans. The study also looks at whether things like irrigation, crop diversification and credit support can help reduce the impact of climate change on farming and banking. The study hopes to show that climate change has an impact on farming and banking. It recommends that farmers use practices that're more resilient to climate change that crop insurance be expanded and that irrigation infrastructure be improved. The study also suggests that banks take climate change into account when giving loans to farmers. By looking at the relationship between climate change, farming and banking this study contributes to the discussion on how to manage climate risk and promote development in rural areas. * The impact of climate change on farming is a problem * Climate change affects farming productivity and bank loans * Farmers need help to deal with climate change * Banks need to take climate change into account when giving loans * Climate change affects development and sustainability The study of climate change and its impact on farming and banking is important. Climate change is affecting Climate Risk and Agricultural Productivity. This is a problem for farmers and banks. The study looks at Climate Risk and Agricultural Productivity in Pune and Satara. It uses data from the Reserve Bank of India and other government agencies. The study finds that Climate Risk affects Agricultural Productivity and bank loans. It recommends that farmers use Agriculture practices and that banks take Climate Risk into account when giving loans. This will help reduce NonPerforming Assets (NPAs) and promote Rural Banking and Sustainable Agriculture. Climate change is affecting farming and banking in ways. Climate Risk is a problem for farmers and banks. The study looks at the impact of Climate Risk, on Agricultural Productivity and bank loans. It finds that Climate Risk reduces Agricultural Productivity and hurts farmers income. This makes it harder for farmers to pay back their loans. The study recommends that farmers use Climate Change practices and that banks take Climate Risk into account when giving loans. This will help promote Agriculture and reduce Non-Performing Assets (NPAs) in Rural Banking.