Sarfraz Hassan

Impact of credit disbursed by commercial banks on the productivity of wheat in Faisalabad district

Purpose - The agriculture sector is the single largest contributor to the national income (gross domestic product – (GDP)) of Pakistan. Wheat is the main staple diet of the people of Pakistan. It contributes 13.7 percent to the value added in agriculture and 3.0 percent to GDP. Given its importance to the national economy, the government attaches high priority to raising agricultural productivity and farmers income. For this purpose, financing for agricultural sector is very much needed and important. Like other institutional sources, commercial banks also provide agricultural credit. The purpose of this paper is to study the impact of credit disbursed by them on the productivity of wheat. Design/methodology/approach - Primary data were collected from 114 randomly selected respondents through a well-structured interview schedule. Cobb Douglous function was used to calculate the impact of credit on the productivity. Findings - The coefficient of credit was highly significant, which showed that credit has a positive impact on the productivity of wheat and hence is an important tool for improving the productivity of agriculture sector. Originality/value - The study in hand will be useful for the planners who are responsible for allocating funds for the agricultural sector in general and for wheat growers in particular. The recommendations of the study will go a long way to mitigating the problems being faced by the small farmers of Pakistan in securing institutional credit.

How hard they hit? Perception, adaptation and public health implications of heat waves in urban and peri-urban Pakistan

Heat waves threaten human health given the fast changing climatic scenarios in the recent past. Adaptation to heat waves would take place when people perceive their impacts based on their knowledge. The present study examines perception level and its determinants resulting in adaptation to heat waves in Pakistan. The study used cross-sectional data from urban and peri-urban respondents of Faisalabad District. The study employs a health belief model to assess risk perception among the respondents. Logistic model is used to determine factors affecting level of knowledge, perception and adaptation to heat waves. Around 30% of peri-urban respondents have a low level of knowledge about the fatal impacts of heat waves. Risk perception of heat waves is very low among urban (57%) and peri-urban (66%) respondents. Households’ knowledge on heat waves is significantly related to age, gender, education, wealth and access to health services. Determinants of perception include knowledge of heat waves, age and joint effect of marital status and knowledge while income level, family size, urban/peri-urban background, perceived barriers, perceived benefits and cues to action significantly affect adaptation to heat waves. To reduce deadly health impacts, mass awareness campaigns are needed to build perception and improve adaptation to heat waves.