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Summary No-18
Profile of the Student:
Name: Pooja Bhosale
Degree Programme: M.Sc. Agribusiness Economics
University/ Institute: Gokhale Institute of Politics and Economics, Pune
Profile of the Mentor:
Name: G.Ramasubramanyam
Designation: AGM
Department: OFDD
Name of Regional Office: Maharashtra (Pune)
Objectives of the study:
• To assess the needs and aspirations of the households with respect to housing
• To analyse the obstacles faced by households in constructing a house
• To find out the constraints faced by lending agencies in providing home loans in rural areas
Sample State/ Distt/ Blocks/ Villages:
Maharashtra, Dist: Kolhapur and Raigad, Blocks Covered :
Karveer, Radhanagari and Gadhinglaj (Kolhapur), Mangav, Roha and Sudhagad (Raigad)
Sample size is 110 beneficiaries
Research Methodology :
Primary data collected by interviewing the individuals, Discussions with
bankers were held and then statistical Analysis.
Major Findings:
• In Kolhapur 60% of the households, whereas in Raigad 56% were not satisfied with their present
house & want to do changes in their present house. Some people want to repair or renovate their
house, some wish to add the rooms in the existent house, few want to have asbestos sheet instead of
machine made tiles and part of them wish to have floor tiles in their house.
• Nearly 80%households in Kolhapur and 68%in Raigad are ready to have the composite loan product
• Rural houses lack basic amenities lie toilet and bathroom
• Key constraints are:
• Poverty /Low income
• Documentation
• Lack of awareness(regarding health & hygiene, regarding the other schemes which are connected
with the IAY & Unaware about the special loan products related to housing)
Financial constraints :
a. Inadequate guidance from the banks.
b. Difficulty in getting the title to the property.
c. Difficulty in obtaining the surety required by the bank.
d. Cumbersome bank procedure and numerous documents.
e. Problem of transfer in the case of ancestral property.
