Delivery of Microcredit to Self Help Groups by Regional Rural Banks in Andhra Pradesh
|
|
- Aron Herbert Robbins
- 5 years ago
- Views:
Transcription
1 Abstract Delivery of Microcredit to Self Help Groups by Regional Rural Banks in Andhra Pradesh Dr. B. Savitha Assistant Professor, Department Of Commerce, St. Francis College For Women, Hyderabad Dr. P. Jyothi Professor, School Of Management Studies, University Of Hyderabad The availability of profitable and efficient financial services to the majority of the population in a country fosters sustained economic development. In India, Banks play a very important role as providers and facilitators in the credit delivery mechanism through their microfinance initiatives. They have been instrumental in providing financial services to the unreached segment of the population. Microfinance through banks and Microfinance institutions aims at providing profitable banking to a new market that has not been served properly before. In the global context as well as in India, both banks and Microfinance institutions are playing an important role in the credit delivery mechanism. In India, commercial banks, regional rural banks and cooperative banks provide credit directly to Self Help Groups as well as Microfinance Institutions for onlending to Self help Groups. Both the models of credit delivery are looking to make a significant impact in improving financial inclusion in the country in the years to come. Growth under the Microfinance Institutions Model has largely been facilitated by the sharp increase in bank credit to Microfinance Institutions. A wide range of banks are financing microfinance sector, the private sector lending mostly to Microfinance Institutions s due to priority sector obligations and the public sector through their wide network of branches are reaching out to Self Help Groups in rural areas along with regional rural banks. The state of Andhra Pradesh has witnessed an impressive performance by Regional rural banks with regard to financing of Self Help Groups (SHGs) and microfinance institutions in the state. This has facilitated the process of rural development and financial inclusion. The present research paper analyses the performance of Regional Rural Banks in financing Self Help Groups and microfinance institutions in the state of Andhra Pradesh. Introduction In India, the southern state of Andhra Pradesh is known for the microfinance movement. Commercial banks have found great success in financing Self help groups and Microfinance institutions in the state. Regional Rural Banks are only second to commercial banks with regard to their progress under microfinance. They play an important role in financing Self Help Groups (SHGs) with a view to facilitate the process of rural development and financial inclusion. They work towards providing uninterrupted credit flow to the rural sector of the economy by combining the professionalism of commercial banks and their strong lineage towards cooperative banking. Regional Rural Banks are sponsored by commercial banks along with the Central Government and the concerned State Governments. The provision of microfinance services by Regional Rural Banks through SHG - bank linkage has been a successful initiative in financial inclusion. In India, Andhra Pradesh continues to be one of the leading states with regard to the microfinance movement. Therefore, an analysis of Regional Rural Banks s involvement in the SHG movement in the state will provide insight into their role in financial inclusion. The savings of Self Help Groups with Regional Rural Banks and the loans disbursed by them are a good indicator of the positive role these banks are playing in the credit delivery and finanacial > RJSSM: Volume: 03, Number: 06, October-2013 Page 128
2 inclusion process. Apart from Self Help Groups, Regional Rural Banks also advance loans to Microfinance institutions which undertake on lending and the number of microfinance institutions that have received loans from these banks is a proof of their growing presence in the credit delivery mechanism. Regional Rural Banks rank second only to Commercial banks in terms of loans to self help groups, the volume of the savings of self help groups and also the amount of loans outstanding of self help groups with them. Their performance with regard to financing Microfinance institutions has also been impressive for the year ended 31 st March, Progress under microfinance Savings of Self Help Groups with Banks Agency wise position as on 31/3/2012 Source: Nabard report on status of microfinance Source: Nabard Report on the Status of Microfinance > RJSSM: Volume: 03, Number: 06, October-2013 Page 129
3 Table 1: Loans to MFI s by Regional Rural Banks Source: Nabard report on the status of microfinance 2012 Source: Nabard Report on the Status of Microfinance With regard to the percentage of non performing assets in loans of Regional Rural Banks s to Self Help Groups in Southern India, the state of Andhra Pradesh recorded 3.48%,which is a good indicator of the successful track record of these banks. Progress under Microfinance Non Performing Assets against Bank loans to SHG s Source: Nabard Report on the Status of Microfinance > RJSSM: Volume: 03, Number: 06, October-2013 Page 130
4 Review of literature The literature available on the working and performance of RRB s in India is varied. Patel and Shete (1980) of the National Institute of Banking Management made analysis of performance of RRB s by comparing them with cooperative and commercial banks. NABARD conducted a study on the viability of RRB s viability with the help of Agriculture Finance Corporation in The study revealed that viability of RRBs was essentially dependent upon their ability to manage funds and then deploy them profitably. A. K. Jai Prakash (1996) established that RRB s played a crucial role in rural development. In comparison to commercial banks they were effective in disbursement of loans to rural borrowers. In a study in Karnataka Kalkundrickars (1990) found that RRB is helped in raising their income and productivity among rural artisans. In the year 1989 the Khusro Committee suggested merger of RRB s with their sponsor banks for their sustainability. The Narasimham Committee in 1991 suggested that the RRBs should be permitted to engage in all types of banking business and should not be forced to restrict their operations to the target groups. This recommendation changed the very functioning of RRBs. Singh (1992) analyzed the performance of RRBs banks in Punjab. Naidu, L.K. (1988) established that RRB s financing of beneficiaries resulted in increase in their income in the Cuddapah district of Andhra Pradesh. Prasad (2003) evaluated the performance of RRBs in India. Pati (2005) evaluated the performance of RRBs in the north-east region while Bagchi and Hadi (2006) studied the performance of regional rural banks in West Bengal. Studies on single Regional Rural Banks include those by Sudhaker et al. (1984) on the Cauvery Grameen Bank in Mysore district, Parmar (1986) on Banaskantha Mehsane Grameen Bank in Gujarat; Sangwan (1988) on Chattanja Grameen Bank in Andhra Pradesh; Jagadeesha et al., (1990) on Tungabhadra Garmeen Bank in Karnataka, Hosamani (2002) on Malaprabha Garmeen Bank in Karnataka and Yadappanvar and Nath (2003) on Jalna Grameen Bank in Maharashtra. Malhotra (2002) analysed whether the geographic location of RRB s affected their performance and concluded that the support from the sponsor bank was key to the success of RRBs. Chavan and Pallavi (2004) examined the growth and regional distribution of rural banking over the period They found that the liberalisation policies had led to regional imbalances in rural banking. Biswa Swarup Misra 2006 made an attempt to enquire into factors that influence the performance of the RRBs and the role-played by the sponsor banks. Dilip Khankhoje and Milind Sathye (2008) studied the productive efficiencies of RRBs after their restructuring in Syed Ibrahim (2010) established that RRB s had performed extremely well in the post merger period. Raman Thirumal (2011) studied the factors influencing profitability of Regional Rural Banks. Objective of the study To compare the consistency of performance of Regional rural banks in providing Microcredit in the form of loans to Self help groups in the state of Andhra Pradesh To compare performance of Regional rural banks in providing loans to Microfinance institutions. Methodology: Comparison of the credit delivery mechanism in the state of Andhra Pradesh will involve comparison of performance of Regional rural banks in financing Self help groups and Microfinance institutions. Sources of Data: The data relating to regional rural banks performance in the state of Andhra Pradesh was collected from NABARD report on status of microfinance for the years To analyse the performance of Regional rural banks in providing micro credit, the loans of regional rural banks to self help groups have been analyzed in the state while the loans of regional rural banks to microfinance institutions have been considered and analyzed at a national level. > RJSSM: Volume: 03, Number: 06, October-2013 Page 131
5 The hypotheses developed were tested using one way ANOVA and the results are presented. The state of Andhra Pradesh has been witnessing impressive growth in the area of microfinance in the last few years. Commercial and regional rural banks have performed extremely well in terms of financing self help groups and Microfinance institutions in this state. The following are the 5 Regional Rural Banks in Andhra Pradesh considered for the purpose of study. 1. Andhra Pragati Grameena Bank 2. Andhra Pragati Vikas Grameena Bank 3. Chaitanya Godavari Graneena Bank 4. Deccan Grameena Bank 5. Saptagiri Grameena Bank The consistency of performance of Regional Rural Banks is analysed on the basis of amount of loans to self help groups, amount of loans outstanding to Self Help Groups and the amount of non performing assets in loans to Self Help Groups. In terms of loans to Self Help Groups, Saptagiri Grameena Bank has been the most consistent recording the lowest coefficient of variation of 17.85%. Table 2: Loans by Regional Rural Banks to Self Help Groups RRB Loans to SHGs in A.P.(` in crores) Grameena bank Andhra Grameena vikas bank Chaitanya Godavari Grammena bank Deccan grameen Bank Saptagiri Grameena bank Mean Std. Deviation Coefficient of Variation % % % % % With regard to outstanding loans to self help groups, Saptagiri grameena bank has been the most consistent with a coefficient of variation of 15.73%. Table 3: Outstanding Loans of Regional Rural Banks to Self Help Groups RRB'S Loans O/S TO SHG's in A.P(` in crores) Grameena bank Grameena vikas bank Chaitanya Godavari Mea n Std. Deviation Coefficient of Variation % % % > RJSSM: Volume: 03, Number: 06, October-2013 Page 132
6 Grammena bank Deccan grameen Bank Saptagiri Grameena bank % % In terms of non performing assets in loans of Regional Rural Banks to Self help groups, Andhra Pragati Grameena Bank is the most consisitent with a coefficient of variation of 31.61%. Table 4: Non Performing Assets (NPA) in loans of Regional Rural Banks RRB'S NPAs in Loans O/S TO SHG's in A.P (` in crores) Mean Std. Deviation Coefficient of Variation Grameena bank % Grameena vikas bank % Chaitanya Godavari Grammena bank % Deccan grameen Bank % Saptagiri Grameena bank % The success of Regional Rural Banks in credit delivery in the state of Andhra Pradesh can be better understood by comparing the two models of credit delivery namely - Regional Rural Bank loans to self help groups and Regional Rural Bank loans to Microfinance institutions. The success of the model of credit delivery also depends on the amount of loans outstanding and the non performing assets under both the models of credit delivery. The performance of Regional Rural Banks in the credit delivery mechanism is compared and analysed by developing suitable hypothesis and testing with one way ANOVA with the objective of determining the more successful mode of credit delivery. The hypotheses with the results are presented in Table 5 and 6 Table 5: Results from the analysis of performance of Regional Rural Banks in the state of Andhra Pradesh S. No. Hypotheses 1 H1: There is no significant difference between the amount of loans given by regional rural banks to Self help groups in the state of Andhra Pradesh Andhra Pradesh FCritical 5%levelof significance at F Calculated Value Accepted/Rejected Rejected 2 H2: There is no significant difference Rejected > RJSSM: Volume: 03, Number: 06, October-2013 Page 133
7 in the amount of the loans outstanding of regional rural banks to Self help groups in the state of Andhra Pradesh 3 H3: There is no significant difference in the amount of the non performing assets of regional rural banks to Self help groups in the state of Andhra Pradesh Rejected In Andhra Pradesh there was significant difference between the amount of loans, loans outstanding and non performing assets with respect to loans given by regional rural banks to Self help groups. Table 6: Hypotheses relating to performance of Regional Rural Bank loans to Microfinance Institutions across the country S. No. Hypotheses FCritical at 5%levelof CALCULATED F VALUE All India 1 H7: There is no significant difference in the amount of the loans given by regional rural banks to microfinance institutions 2 H8: There is no significant difference in the amount of the loans outstanding of regional rural banks to microfinance institutions significance Rejected Rejected 3 H9: There is no significant difference in the Rejected amount of non performing assets of regional rural banks in terms of loans to MFI s. With regard to financing of microfinance institutions there was significant difference between the amount of loans, loans outstanding and non performing assets with respect to loans given by regional rural banks to them. Conclusion The success of Regional rural banks of Andhrapradesh in microcredit delivery has been judged by comparing the growth in numbers of recipients of microcredit (Self Help Groups and Microfinance Institutions), the volume of credit in terms of loans disbursed, the decline in loans outstanding and the decline in the non performing assets in the loans disbursed to them. To evaluate the success each of these criteria is considered in detail to conclude on which model of credit delivery has been successful. The bank self help group linkage model seems to be more successful when compared to bank Microfinance Institution model. In terms of loans to Self Help Groups by Regional Rural Banks under the bank linkage model in Andhra Pradesh, though there has been a decrease from groups in to groups in 2012 the amount of loans provided increased from ` lakhs in to ` lakhs in Banks have adopted a selective approach in lending to Self Help Groups with good track record especially due to the crisis faced by microfinance industry. The loans outstanding with Regional Rural Banks of self help groups also declined from ` lakhs in to ` lakhs in The amount of non performing assets in loans of regional rural banks to self help groups increased from ` to ` lakhs and the percentage of non performing assets in outstanding bank loans to self help groups increased from 0.7 in to 3.01 indicating the low repayment rates. With regard to the linkage under the Microfinance Institution bank linkage programme, the number of Microfinance Institutions to which loans are disbursed increased from 59 in to 113 in The amount of loans disbursed to microfinance institutions however did not register much increase during the period and was around `1340lakhs. Bank loans outstanding with Microfinance Institutions increased from ` lakhs in to ` > RJSSM: Volume: 03, Number: 06, October-2013 Page 134
8 lakhs in due to the increase in the number of Microfinance Institutions not being able to pay off their bank loans as a result of falling recovery rates from their clients. Among the Regional Rural Banks in Andhra Pradesh, Saptagiri Grameena Bank has been very consistent in the delivery of microcredit to Self Help Groups.The study thus establishes the crucial role the Regional rural Banks are playing in the provision of Microcredit in the state of Andhra Pradesh. References 1. A. B Kalkundrikar 1990 Regional rural banks and economic development Paperback, Daya Pub. House ISBN: A.K. Tomar, Jai Prakash 1996 Role of Regional Rural Banks in Economic Development Mohit Publications 3. Bagchi, K. K. and A. Hadi (2006), Performance of Regional Rural Banks inwest Bengal: an evaluation, Serials Publications: New Delhi. 4. Chavan, Pallavi (2004): 'Banking Sector Reforms and Growth and Regional Distribution of Rural Banking in India' in V K Ramachandran and Madhura Swaminathan (eds), Financial Liberalisation and Rural Credit in India, Tulika Books, New Delhi. 5. Hosemani, S.B (2002), Performance of Regional Rural Banks, New Delhi, 6. Ibrahim Dr. M. Syed (2010) "Performance Evaluation of Regional Rural Banks in India", International Business Research Vol. 3, No. 4; p Jagadeesha, D.M., Murthy S. Sadath H.G., Khan & Rao Performance of Tungabhadra Grameen Bank (Regional Rural Bank) in Karnataka- An Economic Analysis. Agricultural Banker, Vol. 13, No. 3, pp Khankhoje, D. and Sathye, M. (2008) "Efficiency of Rural Banks: The Case of India", International Business Research, Vol. 1. No.2, pp Malhotra, Rakesh (2002): "Performance of India's Regional Rural Banks (RRBs): Effect of the Umbilical Cord". URL: Naidu. L.K. and Naidu, M.C, "Financing of Rural artisans by Regional Rural Banks-A Case Study of Rayalaseema Grarneena Bank in Cuddapah District " in Bank Finance For Rural Artisans (Ed), Naidu. L.K. Ashish Publishing House, New Delhi, 1988, pp Narasimhan Committee, Report of the Committee on the Financial System, Government of India. 12. Parliament of India (Loksabha), Motion for consideration of 'The Regional Rural Banks (Amendment) Bill, Parmar, G.D Performance of Banaskantha Mehsana Grameen Bank in Gujarat State. Agricultural Banker, Vol.11, No.3, pp Pati, A.P Regional Rural Banks in Liberalized Environment with Special Reference to North East India", Mittal Publication, New Delhi. 15. Prasad, T. S. (2003), Regional Rural Banks: Performance Evaluation, Kurukshetra, Vol. 51, No.10, p Raman Thirumal (2011) "Factors influencing profitability of Regional Rural Banks (RRBs)", Journal of Banking Financial Services and Insurance Research, Volume 1,Issue 2, p Sangwan, S.S Viability of Rural Credit Structure: A Case Study of Regional Rural Banks. Pranjan, Vol. 18, No. 2, pp Singh, J. P Performance of Regional Rural Banks- a case study of GSP-ASR Regional Rural Bank.Strataegic Management of Rural Sector, New Delhi, Akashdeep Publishing House. 19. Sudhakar, H.R., Venkataraman J.V. & Nagaraj G.N An Evolution of Performance of Regional Rural Banks in Mysore District, Karnataka. Financing Agriculture, Vol. 16, No. 2, pp Yadappanavar, A. & Nath, B.R Development Strategies of RRBs - A Successful Case Study of Aurangabad and Jalna Gramin Bank in Maharashtra - A Report. Anvesak, Vol. 33, Nov. 13, pp > RJSSM: Volume: 03, Number: 06, October-2013 Page 135
Financial Performance of Regional Rural Banks in India For Post Merger Period: An Analytical study
INTRODUCTION Financial Performance of Regional Rural Banks in India For Post Merger Period: An Analytical study Sweety Madan, Assistant Professor, D A V Centenary College, Faridabad As India is a developing
More informationFINANCIAL PERFORMANCE EVALUATION OF REGIONAL RURAL BANKS OF INDIA
FINANCIAL PERFORMANCE EVALUATION OF REGIONAL RURAL BANKS OF INDIA INTRODUCTION As India is a developing country, the Government of India continuously tries for the well being of citizens. Because 70% of
More informationIJEMR - May Vol.2 Issue 5 - Online - ISSN Print - ISSN
Role of Public Sector Banks in Microfinance - A Study of Public Sector Banks in the Southern Region of India * Dr. Sujatha Susanna Kumari. D Asst. Professor, Dept. of Commerce, School of Business Studies,
More informationA study on the performance of SHG-Bank Linkage Programme towards Savings and Loan disbursements to beneficiaries in India
A study on the performance of SHG-Bank Linkage Programme towards Savings and to beneficiaries in India Prof. Noorbasha Abdul, Ph.D. Professor of Commerce & Management, Acharya Nagarjuna University, Nagarjuna
More informationPerformance of RRBs Before and after Amalgamation
Performance of RRBs Before and after Amalgamation DR. MINAXI M. JARIWALA Lecturer, Vivekanand College for B.Ed. Gujarat (India) DR. MARTINA R. NORONHA Vice-Principle S.P.B. English Medium College of Commerce
More informationInternational Journal of Business and Administration Research Review, Vol. 3, Issue.12, Oct - Dec, Page 59
PERFORMANCE EVALUATION, COMPARATIVE ANALYSIS AND FACTORS INFLUENCING THE EFFICIENCY OF DISTRICT CENTRAL CO-OPERATIVE BANKS A STUDY WITH REFERENCE TO SOUTHERN STATES OF INDIA Mr.F.Franco authers * Dr.R.Karpagavalli**
More informationEfficacy of Andhra Pragathi Grameena Bank (APGB) in Andhra Pradesh: A Conventional Analysis
Efficacy of Andhra Pragathi Grameena Bank (APGB) in Andhra Pradesh: A Conventional Analysis Rajashekar 1, Dr. Sudarsana Murthy 2 1 Research Scholar, Dept. Of Management Studies, JNTUA, Ananthapuramu, A.P.,
More informationIndian Regional Rural Banks Growth and Performance
Indian Regional Rural Banks Growth and Performance Syed Mahammad Ghouse ghouse.marium@gmail.com Narayana Reddy tnreddy.jntua@gmail JNTU College of Engineering Regional rural Banks play a vital role for
More informationBIBLIOGRAPHY. 1. Ahmed, R. (1998). Rural Banking and Economic Development, Mittal Publications, New Delhi.
BIBLIOGRAPHY 1. Ahmed, R. (1998). Rural Banking and Economic Development, Mittal Publications, New Delhi. 2. Akhavein, J.D., Berger, A.N., Humphrey, D.B. (1997): The Effects of Megamergers on Efficiency
More informationMICRO FINANCE: A TOOL FOR SELF EMPLOYMENT WITH SPECIAL REFERENCE TO RURAL POOR
MICRO FINANCE: A TOOL FOR SELF EMPLOYMENT WITH SPECIAL REFERENCE Dr. Babaraju K. Bhatt* Ronak A. Mehta** TO RURAL POOR Abstract: Indian population comprises roughly one sixth of the world s population.
More informationAN ANALYSIS OF IMPACT ON BANKING SECTOR REFORMS IN THE PERFORMANCE OF DEPOSITS AND LOANS AND ADVANCES OF PANDYAN GRAMA BANK IN NADU
AN ANALYSIS OF IMPACT ON BANKING SECTOR REFORMS IN THE PERFORMANCE OF DEPOSITS AND LOANS AND ADVANCES OF PANDYAN GRAMA BANK IN TAMIL NADU V. Alwarnayaki Assistant Professor of Commerce, SRNM College, Sattur
More informationMicrofinance: A Tool of Poverty Alleviation with Bank Linkage Programme in Himachal Pradesh
Microfinance: A Tool of Poverty Alleviation with Bank Linkage Programme in Himachal Pradesh - Mr. Rishi Kant * - Mr. Suyash Mishra ** - Ms. Swati Singh *** Abstract Microfinance sector has traversed a
More informationPerformance Evaluation Of Andhra Pragathi Grameena Bank
Performance Evaluation Of Andhra Pragathi Grameena Bank K. Jayaprakash M.Com, M. Phil, (Ph. D), Research Scholar (Ph. D), Department of Commerce, S.V.U College of CM & CS, Sri Venkateswara University,
More informationA Role of Joint Liability Group (JLG) in Rural Area: A Case Study of Southern Region of India
Euro-Asian Journal of Economics and Finance ISSN: 2310-0184(print) ISSN: 2310-4929 (online) Volume: 2, Issue: 1(January 2014), Pages: 13-20 Academy of Business & Scientific Research http://www.absronline.org/journals
More informationGENDER INEQUALITY IN BANKING SERVICES IN INDIA: A NOTE
GENDER INEQUALITY IN BANKING SERVICES IN INDIA: A NOTE Pallavi Chavan Gender inequality pervades developed and developing societies in varying forms and degrees. Women in general, and poor women in particular,
More informationFUNCTIONAL PROGRESS OF REGIONAL RURAL BANKS IN PRIORITY SECTOR LENDING: A CASE STUDY OF PUNJAB STATE
I.J.E.M.S., VOL.6 (4) 2015: 197-210 ISSN 2229-600X FUNCTIONAL PROGRESS OF REGIONAL RURAL BANKS IN PRIORITY SECTOR LENDING: A CASE STUDY OF PUNJAB STATE Kaushal Meetu Vivek High School Chandigarh, Union
More informationAarhat Multidisciplinary International Education Research Journal (AMIERJ) ISSN
Page18 MICRO-FINANCE IN INDIA PROGRESS OF SHG-BANK LINKAGE PROGRAMME RAVINDER KUMAR Deptt. Of Commerce Kurukshetra University Kurukshetra RITIKA Deptt. Of Commerce Kurukshetra University Kurukshetra Abstract
More informationInternational Journal for Research in Applied Science & Engineering Technology (IJRASET) Status of Urban Co-Operative Banks in India
Status of Urban Co-Operative Banks in India Siddhartha S Vishwam 1, Dr. B. S. Chandrashekar 2 1 Research Scholar, DOS in Economics and Co-operation, University of Mysore, Manasagangothri, Mysore 2 Assistant
More informationPERFORMANCE EVALUATION OF DCCBs IN INDIA - A STUDY
169 PERFORMANCE EVALUATION OF DCCBs IN INDIA - A STUDY ABSTRACT THIRUPATHI KANCHU* *Faculty Member, University College, Department of Commerce and Business Management, Satavahana University, Karimnagar,
More informationRole of RRBs in the Promotion of Self Help Groups in India (An Analytical Study)
International Journal of Scientific and Research Publications, Volume 5, Issue 9, September 2015 1 Role of RRBs in the Promotion of Self Help Groups in India (An Analytical Study) Dr. Anoop Kumar Singh
More informationE- ISSN X ISSN MICRO FINANCE-AN IMPERATIVE FOR FINANCIAL INCLUSION IN INDIA
MICRO FINANCE-AN IMPERATIVE FOR FINANCIAL INCLUSION IN INDIA Dr.K.Jayalakshmi PDF(ICSSR),Dept. of Commerce,S.K.University, Anantapur. Andhra Pradesh. Abstract Financial inclusion is a flagship programme
More informationAnalysis on Determinants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh
Analysis on Determinants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh M. Madhuri Dept. of Commerce and Management Studies, Andhra University, Visakhapatnam, Andhra Pradesh
More informationManagement of Non-Performing Assets in Thoothukudi Pandyan Grama Bank in Thoothukudi District
International Journal Scientific and Research Publications, Volume 5, Issue 6, June 2015 1 Management Non-Performing Assets in Thoothukudi Pandyan Grama Bank in Thoothukudi District Dr. D.Rathi Assistant
More informationAn Overview of Microfinance in AP
National Seminar on Women Empowerment through Microfinance and Small Enterprises (11 th &12 th November 2010) organized by Dept. of Commerce, Govt. College for Women, Begumpet, Hyderabad Presentation on
More informationMicrofinance in Haryana: Evaluation of Self Help Group-Bank Linkage Programme of NABARD in Haryana
Microfinance in Haryana: Evaluation of Self Help Group-Bank Linkage Programme of NABARD in Haryana Sachin 1 and Sameesh Khunger 2 1,2 (Assistant Professor, Department of Business Administration, Chaudhary
More informationDeterminants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh (A Regression Analysis)
Determinants of Micro-Credit Borrowings Rural SHG Women in North Coastal Andhra Pradesh (A Regression Analysis) Gattu Raju Kumar Lecturer in Commerce, Govt. Degree College, Chodavaram, Visakhapatnam Dist,
More informationResearch Outline on A Study of Financial Performance of Selected Co- Operative Banks in Karnataka
Research Outline on A Study of Financial Performance of Selected Co- Operative Banks in Karnataka Submitted by Nagaraja, R. C, M.Com., M.Phil., S/o Sri. R. Channabasappa, Kakkaragola (at Post) 577 589,
More informationImpact of Microfinance on Indebtedness to Informal Sources among Clients of Microfinance Models in Palakkad
Impact of Microfinance on Indebtedness to Informal Sources among Clients of Microfinance Models in Palakkad Deepa Viswan Research Scholar, Department of Commerce and Management Studies University of Calicut
More informationNON-PERFORMING ASSETS IS A THREAT TO INDIA BANKING SECTOR - A COMPARATIVE STUDY BETWEEN PRIORITY AND NON-PRIORITY SECTOR
NON-PERFORMING ASSETS IS A THREAT TO INDIA BANKING SECTOR - A COMPARATIVE STUDY BETWEEN PRIORITY AND NON-PRIORITY SECTOR Dr. G Nagarajan* N. Sathyanarayana** A. Asif Ali** LENDING IN PUBLIC SECTOR BANKS
More informationSHGs and Rural Development (A Study in Udaipur District)
Page31 SHGs and Rural Development (A Study in Udaipur District) Dr. Neeti Mathur* and Mr. Himanshu Mathur** *Assistant Professor, Department of Accounting& Finance, Adamas University, Barasat, Kolkata
More informationIJBARR E- ISSN X ISSN AN EVALUATION OF SHG S MODEL OF MICROFINANCE IN UTTAR PRADESH
AN EVALUATION OF S MODEL OF MICROFINANCE IN UTTAR PRADESH Dr.Pushpendra Misra Associate Professor,Dept. of Commerce, Dr.Shakuntala Misra National Rehabilitation University, Lucknow. Anshu Gupta Research
More informationA STUDY OF TOP PRIVATE AND PUBLIC SECTOR BANKS IN INDIA: A COMPARATIVE ANALYSIS OF THEIR FINANCIAL PERFORMANCE
International Journal of Management, IT & Engineering Vol. 8 Issue 1, January 2018, ISSN: 2249-0558 Impact Factor: 7.119 Journal Homepage: Double-Blind Peer Reviewed Refereed Open Access International
More informationIJPSS Volume 2, Issue 9 ISSN:
REGIONAL DISPARITY IN THE DISTRIBUTION OF AGRICULTURAL CREDIT DR.S.GANDHIMATHI* DR.P.AMBIGADEVI** V.SHOBANA*** _ ABSTRACT The Eleventh Five year plan makes specific focus on the inclusive growth of the
More informationPerformance Appraisal of Andhra Bank and its role in Financial Inclusion
WWW..COM ISSN: 2278-3970 Performance Appraisal of Andhra Bank and its role in Financial Inclusion Dr. K.V.S.Prasad 1, Prof. G. Sudarsana Rao 2 1 Assistant Professor, Department of Basic Science and Humanities,
More informationGROWTH AND PROGRESS OF DISTRICT COOPERATIVE BANKS IN INDIA WITH SPECIAL REFERENCE TO UTTAR PRADESH
www.eprawisdom.com EPRA International Journal of Economic and Business Review Inno Space (SJIF) Impact Factor : 5.509(Morocco) e-issn : 2347-9671, p- ISSN : 2349-0187 Vol - 4, Issue- 7, July 2016 ISI Impact
More informationEvaluation of SHG-Bank Linkage: A Case Study of Rural Andhra Pradesh Women
EUROPEAN ACADEMIC RESEARCH Vol. II, Issue 8/ November 2014 ISSN 2286-4822 www.euacademic.org Impact Factor: 3.1 (UIF) DRJI Value: 5.9 (B+) Evaluation of SHG-Bank Linkage: A Case Study of Rural Andhra Pradesh
More informationMicrofinance through financial inclusion and Self Help Groups (SHGs) for Economic. Development in India
Microfinance through financial inclusion and Self Help Groups (SHGs) for Economic Development in India Dipak Biswas, Assistant Professor in Commerce Swami Niswambalananda Girls College, 115, B.P.M.B Sarani,
More informationImpact Assessment Of Women s Self Help Groups On Employment And Income In Marathwada Region Of MaharashtrA
Bulletin of Environment, Pharmacology and Life Sciences Bull. Env. Pharmacol. Life Sci., Vol 6 Special issue [1] 2017: 519-524 2017 Academy for Environment and Life Sciences, India Online ISSN 2277-1808
More informationRoleofPrimaryAgriculturalCoOperativeSocietyPacsinAgriculturalDevelopmentinIndia
Global Journal of Management and Business Research: C Finance Volume 17 Issue 3 Version 1.0 Year 2017 Type: Double Blind Peer Reviewed International Research Journal Publisher: Global Journals Inc. (USA)
More informationInternational Journal of Current Research and Modern Education (IJCRME) ISSN (Online): ( Volume I, Issue I, 2016 A
A COMPARATIVE STUDY ON NON PERFORMING ASSET MANAGEMENT OF SELECTED PUBLIC SECTOR BANK AND PRIVATE SECTOR BANK Harish Shetty* & S. N. Sandesha** Assistant professor, SDM College, Ujire, Karnataka Abstract:
More informationIJBARR E- ISSN X ISSN A STUDY ON EVALUATION OF THE PROGRESS OF MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL
A STUDY ON EVALUATION OF THE PROGRESS OF MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL Praba.K* Dr. Kavitha Shanmugam** *Research scholar & Assistant Professor, Michael Institute of Management,
More informationBANK EXAMS GENERAL AWARENESS
BANK EXAMS GENERAL AWARENESS 1. The Regional Rural Banks were established in... 1) 1935 2) 1955 3) 1982 4) 1921 5) 1975 2. RRB Act was passed in... with a view to develop the rural economy by providing,
More information18th Year of Publication. A monthly publication from South Indian Bank.
To kindle interest in economic affairs... To empower the student community... Open YAccess www.sib.co.in ho2099@sib.co.in A monthly publication from South Indian Bank 18th Year of Publication Experience
More informationTrends in Micro Finance with SHG-Bank Linkage Model (SHG- BLM)in India during to
IOSR Journal Of Humanities And Social Science (IOSR-JHSS) Volume 22, Issue 11, Ver. 10 (November. 2017) PP 17-28 e-issn: 2279-0837, p-issn: 2279-0845. www.iosrjournals.org Trends in Micro Finance with
More informationRole of RRBS in Financial Inclusion Empirical Evidence from RRBS in Gujarat
Role of RRBS in Financial Inclusion Empirical Evidence from RRBS in Gujarat Dr. Heena Sunil Oza Associate professor S.P.B. English Medium College of Commerce, Surat Email - id : heenaoza@rediff.com Dr.
More informationMicro Finance and Poverty Alleviation: An Analysis with SHGS Contribution
Micro Finance and Poverty Alleviation: An Analysis with SHGS Contribution P.BALAMURUGAN Research Staff, ICSSR Sponsored Major Research Project, Gobi Arts & Science College, Gobichettipalayam Tamil Nadu
More informationAnalysis of Productivity of Indian Banks: A Comparative Study of Selected Public and Private Banks
Analysis of Productivity of Indian Banks: A Comparative Study of Selected Public and Private Banks Amit K Parmar Asst. Professor Govt. Comm. College Sec.15, Gandhinagar Abstract:- Dr. A. R. Kulkarni Co-Guide
More informationPERFORMANCE OF KARNATAKA VIKAS GRAMEENA BANK IN DEPOSIT MOBILISATION AN ANALYSIS
Volume 7, Issue 3 (March, 2018) UGC APPROVED Online ISSN-2277-1166 Published by: Abhinav Publication Abhinav National Monthly Refereed Journal of Research in PERFORMANCE OF KARNATAKA VIKAS GRAMEENA BANK
More informationIndian microfinance: lessons from Bangladesh
MPRA Munich Personal RePEc Archive Indian microfinance: lessons from Bangladesh Debnarayan Sarker Centre for Economic Studies, Department of Economics, Presidency College, Kolkata, India 2008 Online at
More informationRegional Rural Banks- Sustainability through Outreach. Amarendra Sahoo Chief General Manager RBI, Mumbai
Regional Rural Banks- Sustainability through Outreach Amarendra Sahoo Chief General Manager RBI, Mumbai Scheme of Presentation I. RRBs mandate and to what extent fulfilled II. Perceived tension between
More informationPerformance Evaluation of Karnataka Vikas Grameena Bank towards Priority Sector Lending in Karnataka
IRA-International Journal of Management & Social Sciences ISSN 2455-2267; Vol.04, Issue 02 (2016) Pg. no. 303-313 Institute of Research Advances http://research-advances.org/index.php/rajmss Performance
More informationPriority Sector Lending: Trends, Issues and Strategies
24 Priority Sector Lending: Trends, Issues and Strategies Shilpa Rani, Research Scholar, Kurukshetra University, Kurukshetra Diksha Garg, Research Scholar, Kurukshetra University, Kurukshetra ABSTRACT
More informationA STUDY ON PROGRESS OF MICRO FINANCE INSTITUTIONS BANK LINKAGE PROGRAM IN INDIA *Dr. Krishna Banana, Research Supervisor, Dept.
A STUDY ON PROGRESS OF MICRO FINANCE INSTITUTIONS BANK LINKAGE PROGRAM IN INDIA *Dr. Krishna Banana, Research Supervisor, Dept. of Commerce & Business Administration Acharya Nagarjuna University Ongole
More informationA Study on Operational Performance of Indian Commercial Banks
International Journal of Computational Engineering & Management, Vol. 18 Issue 4, July 2015 www..org 23 A Study on Operational Performance of Indian Commercial Banks Pinku Paul Assistant Professor, Management
More informationPerformance of Kisan Credit Card Scheme by Regional Rural Banks in Punjab
Journal of Business Thought, Vol 9, DOI: 10.18311/jbt/2018/21326, April 2018 March 2019 ISSN (Print) : 2231-1734 ISSN (Online) : Applied for Performance of Kisan Credit Card Scheme by Regional Rural Banks
More informationRegionwise Priority Sector Advances in India
Journal of Social Science for Policy Implications, Vol. 1 No. 2, December 2013 9 Regionwise Priority Sector Advances in India Najmi Shabbir 1 Abstract In this paper we look at the geographical distribution
More informationEfficiency of Kisan Credit Card (KCC) Scheme in Karnataka: A Comparative Study of Commercial and Co-operative Banks
Agricultural Economics Research Review Vol. 28 (No.2) July-December 2015 pp 351-357 DOI: 10.5958/0974-0279.2016.00013.6 Research Note Efficiency of Kisan Credit Card (KCC) Scheme in Karnataka: A Comparative
More informationChapter-VII Data Analysis and Interpretation
Chapter-VII Data Analysis and Interpretation 16 CHAPTER-VII DATA ANALYSIS AND INTERPRETATION In order to arrive at a logical and constructive analysis of micro financing by commercial banks in Rajasthan
More informationA Financial Performance Analysis of RRBs: Pre and Post Transformation
A Financial Performance Analysis of RRBs: Pre and Post Transformation Dr. Ishwara. P, Associate Professor, Department of Commerce, Mangalore University, Mangalagangothri, Konaje, Karnataka State, INDIA
More informationCHAPTER 5: FINDINGS, SUGGETIONS, HYPOTHESIS TESTING AND CONCLUSION
Evaluation of working and performance of Regional Rural Banks of Gujarat State has been made at length with different angles in foregoing chapters. Contribution and overall progress made and key areas
More informationMeasuring Outreach of Microfinance in India Towards A Comprehensive Index
From the SelectedWorks of Dr. Arindam Laha January, 2012 Measuring Outreach of Microfinance in India Towards A Comprehensive Index Dr. Arindam Laha Prof. Pravat Kumar Kuri Available at: https://works.bepress.com/arindam_laha/8/
More informationReview of performance of Pradhan Mantri Mudra Yojana
Review of performance of Pradhan Mantri Mudra Yojana (An analysis on the performance of PMMY during FY 2015-16) hetbpeer meheàuelee keàer kegbàpeer 2 MUDRA/PMMY Micro Units Development & Refinance Agency
More informationA STUDY ON EVALUATION OF THE PROGRESS OF WOMEN ENTREPRENEURS IN MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL
A STUDY ON EVALUATION OF THE PROGRESS OF WOMEN ENTREPRENEURS IN MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL 1 Subha.K 2 Dr. R.Thangaprashath 1 Research scholar, Bharathidasan University, Trichy
More informationPERFORMANCE EVALUATION OF PUBLIC, PRIVATE AND FOREIGN BANKS IN INDIA; AN EMPIRICAL ANALYSIS
PERFORMANCE EVALUATION OF PUBLIC, PRIVATE AND FOREIGN BANKS IN INDIA; AN EMPIRICAL ANALYSIS Mrs. Neetika Mahajan Research scholar, Department of commerce Himachal Pradesh University, Shimla Email ; Mahajanneetika18@gmail.com
More informationChhattisgarh Budget Analysis
-0.2% -1.6% 2.7% 2.9% 1.8% 6.6% 6.5% 7.8% 5.8% 8.9% 3.6% 5.5% 6.8% 9.5% 6. 8.4% 6.7% 10. 13.8% 15.6% Chhattisgarh Budget Analysis The Finance Minister of Chhattisgarh, Dr. Raman Singh, presented the Budget
More informationSHG-Bank Linkage Programme: A Study on Loan Default and Recovery
National Seminar on Micro Finance Sector in India Issues & Challenges (10 th September 2011) Organized by Gitam School of International Business Gitam University, Visakhapatnam Presentation on SHG-Bank
More informationDirecting the Credit for Agricultural Growth in Jammu & Kashmir
: Vol. 59 Special Issue: 767-772: 2014 78 Directing the Credit for Agricultural Growth in Jammu & Kashmir Sudhakar Dwivedi 1*, Pawan Kumar Sharma 2 and Rajinder Peshin 3 1, 2 Division of Agricultural Economics
More informationFebruary 08, 2017 I Research
Uttarakhand Uttar Pradesh Delhi Haryana Rajasthan Maharashtra Punjab Madhya Pradesh India Karnataka Gujarat Kerela Chhattisgarh Jharkhand West Bengal Tamil Nadu Demonetization: A pause for sustainable
More informationIJMIE Volume 2, Issue 8 ISSN:
FINANCIAL INCLUSION PLANS (FIPs) Growing Roots in the light of good governance of RBI Pawan Sharma* Richa Tuli* Abstract: This study is an effort to investigate the status of financial inclusion in India.
More informationGrowth of Deposits and Advances of Urban Co-Operative Banks in India
Growth of and of Urban Co-Operative Banks in India K. Karthikeyan Associate Professor of Commerce, PG Department of Commerce, Vivekananda College, Tiruvedakam West S. VadivelRaja Assistant Professor of
More informationPre and Post Merger Analysis of Non Performance Assets (NPAs): A Study with Special Reference to ICICI Bank Ltd.
DOI : 10.18843/ijms/v5i1(2)/08 DOIURL :http://dx.doi.org/10.18843/ijms/v5i1(2)/08 Pre and Post Merger Analysis of Non Performance Assets (NPAs): A Study with Special Reference to ICICI Bank Ltd. Dr. Veena
More informationNABARD & microfinance
NABARD & microfinance 2001-2002 Ten years of SHG-Bank Linkage (1992-2002) Self Help Groups An SHG is a group of about 20 people from a homogeneous class, who come together for addressing their common problems.
More informationDisclosure of information under RTI Act, 2005
Disclosure of information under RTI Act, 2005 In NHB s website, the following is already being displayed and they have been provided by the RESIDEX & Housing Policy Cell: Urban Housing o Housing Under
More informationImpact of New Economic Policy on India s Foreign Trade
Impact of New Economic Policy on India s Foreign Trade SACHIN N. MEHTA Assistant Professor, D. R. Patel and R. B. Patel Commerce College, Bharthan (Vesu), Surat Gujarat (India) Abstract: This study examines
More informationImpact of SHGs on the Upliftment of Rural Women: An Economic Analysis
EUROPEAN ACADEMIC RESEARCH Vol. II, Issue 9/ December 2014 ISSN 2286-4822 www.euacademic.org Impact Factor: 3.1 (UIF) DRJI Value: 5.9 (B+) Impact of SHGs on the Upliftment of Rural Women: An Dr. RAJANI
More informationINITIATIVES OF KERALA TOWARDS FINANCIAL INCLUSION
INITIATIVES OF KERALA TOWARDS FINANCIAL INCLUSION Nirmal Sabu, Research Scholar, Department of Commerce, St. Thomas College, Pala, Kerala, India. Dr. Deepu Jose Sebastian, Associate Professor and Guide,
More informationA Study on the Performance of Microfinance Institutions in India
International Academic Institute for Science and Technology International Academic Journal of Accounting and Financial Management Vol. 5, No. 4, 2018, pp. 116-128. ISSN 2454-2350 International Academic
More informationComparative Performance Evaluation Of Himachal Pradesh Co- Operative Bank And Kangra Central Co-Operative Bank
International Journal of scientific research and management (IJSRM) Volume 3 Issue 7 Pages 331-3323 2015 \ Website: www.ijsrm.in ISSN (e): 2321-3418 Comparative Performance Evaluation Of Himachal Pradesh
More informationResearch Guru Volume-10 Issue-2(September,2016) (ISSN: X)
Analysis of Profitability of Indian Banks: A Comparative Study of Abstract: Selected Public and Private Banks. Amit K Parmar Asst. Professor Govt. Comm. College Sec.15, Gandhinagar amitbhatera66@gmail.com
More informationFINANCIAL SUPPORTING FACTORS FOR WOMEN ENTREPRENEURS' SUCCESS IN SMALL & MEDIUM ENTERPRISES
Inspira- Journal of Modern Management & Entrepreneurship (JMME) 73 ISSN : 2231 167X, General Impact Factor : 2.5442, Volume 08, No. 02, April, 2018, pp. 73-77 FINANCIAL SUPPORTING FACTORS FOR WOMEN ENTREPRENEURS'
More informationKeywords: rural banks, deposit mobilization, credit deployment, india, population groups. GJMBR-C Classification : JEL Code: G21
Global Journal of Management and Business Research Finance Volume 13 Issue 10 Version 1.0 Year 2013 Type: Double Blind Peer Reviewed International Research Journal Publisher: Global Journals Inc. (USA)
More informationKeywords: Financial services & Inclusive Financing, Awareness of Households towards Financial Services. I. INTRODUCTION
ISSN: 2321-7782 (Online) Impact Factor: 6.047 Volume 4, Issue 6, June 2016 International Journal of Advance Research in Computer Science and Management Studies Research Article / Survey Paper / Case Study
More informationPRIORITY SECTOR LENDING BY FINANCIAL INSTITUTIONS
PRIORITY SECTOR LENDING BY FINANCIAL INSTITUTIONS (WITH SPECIAL REFERENCE TO COIMBATORE DISTRICT) Dr.VENUGOPAL.G Assistant Professor of Commerce, Department of Commerce, Chikkanna Government Arts College,
More informationM-CRIL Analytics 2009
M-CRIL Analytics 2009 A Celebration and a Lament Contents Introduction A celebration and a lament 1 1 The M-CRIL sample 4 2 Outreach 5 3 Portfolio growth and loan size 7 4 Operating efficiency and staff
More informationPERFORMANCE EVALUATION OF MUDRA BANK SCHEMES - A STUDY
PERFORMANCE EVALUATION OF MUDRA BANK SCHEMES - A STUDY PARIMALA RAMESH M.Com, SLET rameshparimala2012@gmail.com ABSTRACT India has emerged as one of the fastest growing economies in the world projected
More informationFINANCIAL RATIO ANALYSIS OF DCC BANK LIMITED RAJNANDGAON A CASE STUDY
International Journal of Accounting and Financial Management Research (IJAFMR) ISSN 2249-6882 Vol. 3, Issue 1, Mar 2013, 93-106 TJPRC Pvt. Ltd. FINANCIAL RATIO ANALYSIS OF DCC BANK LIMITED RAJNANDGAON
More informationIJRSS Volume 2, Issue 3 ISSN:
Customer satisfaction of SHGs with the Primary Agricultural Cooperative Societies(PACS): Evidences from the field Dr.K.Rajendran MBA, Ph.D.* Abstract This paper analyses and discus about the customer satisfaction
More informationROLE OF BANKING SECTOR IN THE DEVELOPMENT OF RURAL AREA
ROLE OF BANKING SECTOR IN THE DEVELOPMENT OF RURAL AREA GAWADE NILESH BABASAHEB Assistant Professor, Department of Commerce, Sant Dnyaneshwar Mahavidyalaya, Soegaon, Dist : Aurangabad (M.S) 431120, MS,
More informationROLE OF PRIVATE SECTOR BANKS FOR FINANCIAL INCLUSION
270 ROLE OF PRIVATE SECTOR BANKS FOR FINANCIAL INCLUSION ABSTRACT DR. BIMAL ANJUM*; RAJESHTIWARI** *Professor and Head, Department of Business Administration, RIMT-IET, Mandi Gobindgarh, Punjab. **Assistant
More informationVishleshan-International Journal of Engineering and Management (VIJEM) Volume 1, Issue 3 (Apr.-June, 2016) ISSN (Online): X
TAX INCENTIVES AND GROWTH OF CEMENT INDUSTRY IN INDIA Punam Sachdeva *, Dr. Hem Chand Jain ** Associate Professor, Commerce, University of Delhi Kalindi College *, Deen Dayal Upadhyaya College ** Punamsachdeva01@yahoo.com
More informationMicrofinance for Agriculture: Perspectives from India
Microfinance for Agriculture: Perspectives from India SATISH PILLARISETTI National Bank for Agriculture and Rural Development (NABARD) INDIA 11 December 2007 1 PROLOGUE State interventions in rural finance
More informationMICROFINANCE: ITS EVOLUTION AND VARIOUS MODELS FOR ENPOWERMENT OF RURAL POOR IN INDIA
MICROFINANCE: ITS EVOLUTION AND VARIOUS MODELS FOR ENPOWERMENT OF RURAL POOR IN INDIA * Mrs. Ghousia Shameen, Assistant Prof., Millennium Institute of Management, Aurangabad. INTRODUCTION: The major concern
More informationSTRUCTURE AND FUNCTIONING OF SELF HELP GROUPS IN PUNJAB
Indian J. Agric. Res., 41 (3) : 157-163, 2007 STRUCTURE AND FUNCTIONING OF SELF HELP GROUPS IN PUNJAB V. Randhawa and Sukhdeep Kaur Mann Department of Extension Education, Punjab Agricultural University,
More information: 106 branches. The Branch net work is spread in to four Areas
Management of non-performing assets A Case study in Krishna Grameena Bank, Gulbarga District Prof. Kartikey Koti Abstract: In the recent years public sector banks have been experiencing a growth in profits.
More informationEngineering & Technology in India
=================================================================== Vol. 1:5 December 2016 =================================================================== Micro Small and Medium Enterprise Sector in
More informationAgricultural Credit in India: A Study of Public and Private Sector Banks Dr. Sanjeev Kumar 1, Provinder Kumar 2
Agricultural Credit in India: A Study of Public and Private Sector Banks Dr. Sanjeev Kumar 1, Provinder Kumar 2 1 Assistant Professor, Department of Economics, Govt. Degree College Majheen, District Kangra,
More informationBanking and Finance Indian Microfinance Sector: Entering a phase of moderate credit risk, three years post AP crisis
Indian Microfinance Sector: Entering a phase of moderate credit risk, three years post AP crisis March 7, 214 Summary Microfinance sector in India has gone through 3 broad risk phases in the past high
More informationEVALUATION OF THE PROGRESS OF MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL
EVALUATION OF THE PROGRESS OF MICROFINANCE THROUGH SELF HELP GROUP BANK LINKAGE MODEL. Dr. Dev Raj Jat Assistant Professor Post Graduate Government College Sector 11, Chandigarh Abstract Self-Help Group
More informationIMPACT OF MICROFINANCE AND WOMEN EMPOWERMENT - AN ANALYSIS WITH REFERENCE TO BENGALURU RURAL DISTRICT. Dr. Kalaivani K. N., Assistant Professor
IMPACT OF MICROFINANCE AND WOMEN EMPOWERMENT - AN ANALYSIS WITH REFERENCE TO BENGALURU RURAL DISTRICT Prof. F. Arockia Doss, Research Scholar, Bharathiar University, Coimbatore, Tamil Nadu, India Dr. Kalaivani
More informationCHAPTER V DISTRICT CREDIT PLANS AND FINANCING OF PRIORITY SECTORS. Consequent to the introduction of Lead Bank Scheme, commercial banks
CHAPTER V DISTRICT CREDIT PLANS AND FINANCING OF PRIORITY SECTORS Consequent to the introduction of Lead Bank Scheme, commercial banks are assuming the lead role in co-ordinating the functions of all developmental
More information