Examining the Performance of Rural FinancialInstitutes under Socio-Economic Influence of LargeLandowner: Case Study of Sindh, Pakistan

This study seeks to presents empirical evidence on overwhelminginfluence of land ownership patterns over the access of agriculturecredit in Sindh, Pakistan. The data presented revealed overpoweringinfluence of land ownership patterns and socio-political elite on overformal lending. Review of the literature identified land ownershippatterns are skewed, however, there is majority of small farmers in thecountry. The secondary evidence suggests that small landownerspossess one third of agricultural land in Sindh. Study also highlightedcorruption as one of the major causes along with collateral credit limitand methods for recovery. In light of the findings of the study, policyimplications for government, corporate managers, bankers and smalland large land owners are discussed in results and discussion section.