• Dr. Nosheen Abdul Raheem Abro Lecturer Sindh Development Studies Centre University of Sindh, Jamshoro
  • Dr. Nazir Ahmed Agriculture Officer Agriculture, on Farm Water Management (Ofwm) District Kech, Balochistan, Pakistan
  • Dr. Ghulam Mustafa Gaho Assistant Professor Department of Political Science University of Sindh, Jamshoro


Agriculture, Credit, Institutional, Non-Institutional, Balochistan


Increasing agricultural productivity and income for rural households in Pakistan's Balochistan province has depended mainly on the farming industry. The need for agricultural finance has grown because of several issues in this industry, such as escalating costs of critical farm inputs, water scarcity, and subpar irrigation systems. This research sought to investigate both available and unavailable credit trends, the size of loans made to households, the quantity of land used for agriculture, and the percentage of farm households in debt for the 1960, 1972, 1980, and 1990 census years. The study aimed to investigate the different kinds, sources, and significance of agricultural loans in Balochistan. The study's findings showed that loan availability and the growth of agricultural output nationwide and in the province of Balochistan are positively correlated. The study's findings also indicated that the province of Balochistan first reported institutional and non-institutional credit availability in 1980. For small and medium farms, the percentage of institutional credit is lower than that of non-institutional credit; however, for large farms, the institutional credit is significantly higher than that of non-institutional credit in both census years.


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How to Cite

Abro, N. A. R., Ahmed, N., & Gaho, G. M. (2023). ECONOMIC ANALYSIS OF OVERTIME CHANGES IN INSTITUTIONAL AND NON-INSTITUTIONAL CREDIT OF AGRICULTURAL FARM IN BALOCHISTAN, PAKISTAN. Journal of Research in Economics and Finance Management, 2(2), 33–44. Retrieved from