<b>Problems Faced by the Farmers while Availing the Loan Facilities from the Banks A Case Study of District Kulgam, Jammu and Kashmir</b> In the present study, the researcher estimates the association between the different socioeconomic variables and the price fixing in case of selling of apple produce at the household level in Kulgam, one of the districts of Jammu and Kashmir. In the past few decades, agricultural sector in the whole state and particularly in the district of Kulgam has witnessed a heavy shift in the cropping pattern from food crops to non food crops cash crops . The horticultural sector has been playing an important role in the State, largely by contributing to the State Economy and turns to be the source of livelihood for nearly thirty three lakh people, but the paddy production on the other hand has shown an opposite trend. Paddy land is getting changed into the horticultural land, as the farmers find it to be more remunerative. Kulgam, which was once the major producer of rice in the State, and was known to be the “Rice Bowl of Kashmir”, is now among the least producers of rice. Farmers witnessed that sticking only to the water intensive crops proved to be non beneficial and they willingly shifted to the cash crops, like apple, almond, and walnut. Correlation has been used to estimate the association between the different socioeconomic variables and the price fixing in case of selling of apple produce. Kashmir Crop Diversification Paddy Apple Crop 440-447 Issue-1 Volume-2 Mohd Asif Shah