Journal of Advances in Developmental Research

E-ISSN: 0976-4844   •   Impact Factor: 9.71

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

Call for Paper Volume 17 Issue 2 July-December 2026 Submit your research before last 3 days of December to publish your research paper in the issue of July-December.
Submit Research Paper Join as a Reviewer

Plagiarism is checked by the leading plagiarism checker TurnItIn

Call for Paper

Volume 17 Issue 2
2026

Submit your research paper

Indexing Partners
Academia Advanced Sciences Index Bielefeld Academic Search Engine CiteSeer DRJI Google Scholar Independent Search Engine & Directory Network ISI (International Scientific Indexing) Issuu Mendeley Research Networks
RefSeek ResearcherId - Thomson Reuters ResearchGate Scirus Scribd Semantic Scholar UTeM - Universiti Teknikal Malaysia Melaka Wiki for Call for Papers WorldCat Zenodo

Digital Financial Inclusion in Agricultural Marketing: A Study of Crop Producer Organizations in Telangana

Author(s) Dr. P. Krishna Murthy
Country India
Abstract Agricultural marketing in India is moving from cash-based, intermediary-dominated exchange towards digital payments, platform-based trading and direct benefit transfers, yet the institutions that aggregate smallholders, namely crop producer organisations, are unevenly placed to benefit. This paper reviews digital financial inclusion (DFI) in crop producer organisations (CPOs) marketing in Telangana on the basis of a desk-top analytical design and using official statistics, Parliamentary records, NABARD and SFAC data, regulator reports, and published works. The three dimensions of access, use, and quality are used for the marketing functions of producer organisations. The data reveals the huge digital payments growth taking place across the country, as the UPI transaction volume jumped from 10.79 billion transactions in 2019 to 38.74 billion in 2021, and the user count of e-NAM increased to 1.76 crore by July 2022. Persistent gaps are also observed, such as inactive accounts, cash-dominated merchant payments, gender gap in the use of digital, thinned institutional credit to producer companies with only 12 Telangana organisations getting credit-guarantee cover up to 2021-22. The paper proposes a definition of capability building, merchant-side digitisation, designing for women and integrated grievance redress as potential inclusions at the account level and makes a case for such inclusions to have kept pace with inclusion of accounts. Researchers and policymakers are suggested to continue research through primary field-based validation.
Keywords Digital financial inclusion; farmer producer organisations; agricultural marketing; e-NAM; UPI; Telangana.
Published In Volume 13, Issue 2, July-December 2022
Published On 2022-08-05
DOI https://doi.org/10.71097/IJAIDR.v13.i2.2214
View / Download PDF File

Share this



Crossref

Crossref DOI prefix of IJAIDR is 10.71097/IJAIDR

Downloads
Research Paper Format Copyright Permission Form and Undertaking Form Cover Page Vol 17 Isu 2Cover Page Vol 17 Isu 1Cover Page Vol 16 Isu 2

All research papers published on this website are licensed under Creative Commons Attribution-ShareAlike 4.0 International License, and all rights belong to their respective authors/researchers.

CC-BY-SA Open Access

About IJAIDR
Fees & Payment
Current Issue
Publication Archive 		Submit Research Paper
Track Submission Status
Publication Guidelines
Peer Review & Plagiarism 		Join as a Reviewer
Editors & Reviewers
Get Reviewer Membership Certi. 		Website/Journal Policies
Usage Policy
Content Policies
Privacy Policy
Contact Us Message on WhatsApp +91-9687-182-185 editor@ijaidr.com