| dc.description.abstract | The study examines the profitability of auto rice milling, adequacy, utilization and
repayment of credit taken by the millers in Sylhet City Corporation. Total sample size
of the study was 30 in which small auto rice mills were 10, medium were 10 and 10
were the larger mills. Descriptive statistics was used to analyze the collected data. The
Study revealed that highest proportion (36.67 percent) of the respondents belonged to
age group of above 55 years with education of HSC level (43.33 percent) and average
family size was the highest for medium auto rice millers (5.20). Dependency ratios for
all sized of rice mill owners were found to be 3.12 which mean every one person is
bearing responsibility of living of more than 3 persons. Auto rice milling was the
single main occupation for all the respondents irrespective of rice mill categories.
Among the categories of auto rice milling, medium auto rice millers were in the
higher ranked for annual savings (9.75 percent). All cost, return, and BCR were
positively related with size for all types of mill that indicates auto rice milling is a
profitable business in the study area. The amount of credit received was the highest
for the large mills followed by medium and smaller mills. Highest cost for getting
loan was incurred for the cost of credit and major part of the loan was utilized for
reported purposes. Status of repayment of loan for medium auto rice mills was 72.44
percent and large auto rice mills was 71.65 percent while it was 65.42 percent for
smaller mills. Repayment performance of the borrowers was not fully satisfactory but
small and large borrowers were in most disadvantageous position in terms of
repayment capacity. The study concluded that auto rice milling is profitable in the
study area. The study recommended that in the study area, public and private banks
should enhance facilities and be liberalized in sanctioning loan to the auto rice millers. | en_US |
