Efficient utilization of credit and prompt repayment go hand in hand. If the credit is utilized properly then there is every possibility of having good returns, which in turn can help to repay the loan in time and timely repayment helps the borrower to get escape from the debt trap and acquire the benefit of interest subvention provided by the government. | Repayment behavior and default position of credit availed farmers An empirical study from Nayagarh district of Odisha India
