The efforts to adapt to climate change in developing countries are in their infancy, and hopefully CSA will be a major contributor to these efforts. But CSA itself is evolving, and there is a growing need to refine and adapt it to the changing realities. This section of the book focus on the implications of the empirical findings for devising effective strategies and policies to support resilience and the implications for agriculture and climate change policy at national, regional and international levels.
This chapter analyses the access to and adequacy of formal sources in meeting the credit needs, particularly agricultural credit needs, of small farmers in India with the help of banking data, and data on the borrowing profiles of these households collected through the village surveys of the Project on Agrarian Relations in India (PARI).Three major institutions provide formal credit in the rural areas of India today: commercial banks, regional rural banks (RRBs), and credit cooperatives.