Download or read book Agriculture Rural Banking and Micro Finance in India written by Rais Ahmad and published by . This book was released on 2012 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The agricultural sector occupies a key position in India's economy. It provides employment to about 65% of the working population of India. Being the backbone of India's economy, agriculture has been treated as a priority sector for the allocation of institutional credit. The low growth rate of agriculture in the past few years has further strengthened the channels of credit flow to this sector. Micro credit has emerged as a visible credit channel to the poor, as their access to conventional credit channels is constrained by the requirement of collateral and high transaction cost. Micro finance is routed through Self-Help Groups (SHGs). Over the years, the SHG-Bank Linkage Program - which includes commercial banks, regional rural banks, and co-operative banks - has emerged as the major micro finance program in the country. This book, authored by experts in the field of agricultural finance, provides an in-depth analysis of the current state of agricultural/rural finance in India, the emergence of micro finance, financial inclusion efforts, and related matters.
Download or read book Improving Access to Finance for India s Rural Poor written by Priya Basu and published by World Bank Publications. This book was released on 2006-01-01 with total page 152 pages. Available in PDF, EPUB and Kindle. Book excerpt: Annotation This book examines the current level and pattern of access to finance for India's rural households, evaluates various approaches for delivering financial services, analyzes what lies behind the lack of adequate financial access, and identifies what it would take to improve access to finance.
Download or read book Innovations in rural and agriculture finance written by Kloeppinger-Todd, Renate and published by Intl Food Policy Res Inst. This book was released on 2010-07-21 with total page 34 pages. Available in PDF, EPUB and Kindle. Book excerpt: Everywhere in the world, small agricultural producers are entrepreneurs, traders, investors, and consumers, all rolled into one. In all these roles, small agricultural households constantly seek to use available financial instruments to improve their productivity and secure the best possible consumption and investment choices for their families. But the package of financial services available to small farmers in developing countries is severely limited, especially for those living in remote areas with no access to basic market infrastructure. When poor people have limited saving or borrowing options, their investment plans are stifled and it becomes harder for them to break out of poverty. If households have no access to insurance and are unable to accumulate small savings that enable them to pay for household and business expenses, especially during lean seasons, they are forced to limit their exposure to risk, even if high returns are expected, once again making the pathway out of poverty more arduous than necessary. Inadequate access to financial services is thus part of what is often called the poverty trap.
Download or read book Rural Credit and Self Help Groups written by K G Karmakar and published by SAGE Publications Pvt. Limited. This book was released on 1999 with total page 376 pages. Available in PDF, EPUB and Kindle. Book excerpt: Looking to examples in Thailand and Bangladesh, this book enumerates the various factors which have been instrumental in weakening the rural credit agencies set up to relieve rural poverty in developing countries.
Download or read book Managing Rural Finances in India written by Gursharan Singh Kainth and published by Concept Publishing Company. This book was released on 2010 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Microfinance Risk taking Behaviour and Rural Livelihood written by Amit K. Bhandari and published by Springer Science & Business Media. This book was released on 2013-08-15 with total page 201 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book offers an in-depth analysis of borrowing and risk taking behavior of rural people, with the aim of designing effective financial products and service delivery in the rural market. Includes analysis of government schemes to promote rural development.
Download or read book Rural Finance and Financial Inclusion written by K. K. Tripathy and Anshu Singh and published by Notion Press. This book was released on 2022-07-12 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: Since independence, the field of rural credit has traversed a long terrain. This book is a good synthesis of the evolution and development of the domain from a theoretical as well as practical perspective. It is a fundamental literature on rural finance mechanisms as well as financial inclusion initiatives in India. Although the field of rural credit is vast and specialised, the authors have carefully picked up the most important components of this domain, which will be immensely useful to readers to get first-hand knowledge on the subject. While it traces the important institutional mechanisms of rural and agricultural credit in India, it also discusses the emerging paradigms of rural finance and ICT interventions, which can potentially restructure delivery mechanisms to encourage product innovation for serving the financial needs of those at the bottom of the pyramid population. The authors have attempted to cover every important aspect of rural finance by incorporating relevant discussions on institutions, governance, policy framework, schemes, and practices along with issues and concerns in the area of agricultural finance, rural credit and financial inclusion. The text has been woven in a cohesive manner so that the reader can appreciate the historic milestones while comprehending the present situation. Each chapter has been pinned to the larger developmental context to drive home the key issues concerning this field.
Download or read book Microfinance in India written by K. G. Karmakar and published by Sage Publications Pvt. Limited. This book was released on 2008-02-21 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance in India provides an informative and holistic status of microfinance in the country and suggests a road map for the future. A valuable source of information for policy makers, Finance and Management students, and professionals alike, it is a collection of essays by experts from diverse backgrounds on topical themes that capture the complexities of the continuously evolving microfinance sector in India. It covers major microfinance delivery models in an unbiased manner through well-researched articles.The book provides an overview on microfinance institutions and measures that help promote the same. Among other things, it reflects upon the challenges faced by the dominant credit delivery model, i.e., SHG-Bank Linkage Programme and issues related to the emerging microfinance institutions (MFIs). It also dwells upon innovations in the microfinance sector and the efforts being made to evolve new models such as SHG Federations.
Download or read book Changing Contours of Microfinance in India written by Jayadev M. and published by Routledge. This book was released on 2016-05-12 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book brings together empirical evidences and theoretical perspectives to provide a comprehensive overview of the microfinance sector in India. The essays in the volume: focus on the application of information and communication technology (ICT) solutions in microfinance institutions to strengthen the savings movement and widen credit access to the poor and marginalized sections of society; present case studies on self-help group (SHG) movements, federations and SHG-Bank Linkage programmes; propose measures for strengthening regulatory and governance structures of the microfinance sector; and identify linkages between overall financial inclusion and the contribution of microfinance institutions (MFIs). The volume will be indispensable for scholars and researchers of microeconomics, South Asian economics and development economics as well as professionals and aspirants in the microfinance, rural banking and financial inclusion sectors.
Download or read book Microfinance and Financial Inclusion in India written by Govinda Rajulu Chintala and published by Sage Publications Pvt. Limited. This book was released on 2022-12-14 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: The success of microfinance in the last three decades has shown that if given adequate infrastructural and governmental aid, the poor can be bankable. Microfinance and Financial Inclusion in India traces the origin of microfinance in India and examines its growth, delivery and institutional models, and the challenges it faces. It advocates more engagement with the poor clientele through an appropriate product and process mix that could contribute meaningfully to India's economic development. The book also looks into the trailblazing initiatives launched by the National Bank for Agriculture and Rural Development (NABARD) to promote microfinance and inclusive banking services. It explores self-help groups and joint liability groups that can leverage social capital to support microentrepreneurs and small farmers with adequate and timely institutional credit. This book captures the fascinating journey of Indian microfinance by delving into NABARD's work, the use of technology to transform banking for the poor and the dream of universal financial access.
Download or read book State of Rural Finance in India written by Narasimhan Srinivasan and published by Oxford University Press, USA. This book was released on 2016 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "This report examines the policy framework, institutional structure, trends and patterns in the flow of financial services, product suitability, and efficacy of financial services both in terms of penetration and customer satisfaction. It has been organized into savings, credit, insurance policy issues, repayment performance, and products. The performances of NABARD, non-farm sector, microfinance, and cooperative banking reform-considering the specific and topical nature of these institutions/segments-are also discussed."
Download or read book Agricultural Finance in India written by K. Prabhakar Rajkumar and published by . This book was released on 2008 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: Agricultural production in India depends upon millions of small farmers. However, because of inadequate financial resources, many farmers are unable to receive improved seeds and fertilizers, nor introduce better methods and techniques. It is, therefore, of the utmost importance that the financial requirements of farmers are adequately met. The provision of sufficient and timely credit at fair rates of interest has to be considered as an integral part of agricultural development. However, assistance rendered by way of credit has to be related to specific items of productive work or of essential costs of cultivation. Set up in 1982, India's National Bank for Agriculture and Rural Development (NABARD) is the apex institution accredited with all matters concerning policy, planning, and operations in the field of credit for agriculture and other economic activities in rural areas in India. NABARD serves as an apex refinancing agency for the institutions providing investment and production credit in rural areas. This book explains the system of agricultural finance in India and it provides an in-depth analysis of the role of NABARD.
Download or read book Changing Face of Rural Credit in India written by Ramashish Purvey and published by Serials Publications. This book was released on 2009 with total page 428 pages. Available in PDF, EPUB and Kindle. Book excerpt: After The Nationalization Of Banks, The Reserve Bank Of India And The Government Of India Directed Commercial Bank To Prepare Schemes And Programs To The Help The Poor Farmers, Small Scale Industries (Ssis) And The Unemployed Youth In Country. Many Banks Prepared Schemes And Programs For This Purpose As Directed By Reserve Banks Of India & Government Of India. The Liking Of Shgs With The Banking System Has Emerged As The Major Micro-Finance Programme In The Country. Micro-Credit And Micro-Finance Are Changing The Lives Of The Rural People, Re-Energizing The Poor Community, Particularly The Most Oppressed, Suppressed And Neglected Community Of The Rural Society Mainly Comprising Schedule Caste And Scheduled Tribes. The Access To Credit As Well As Extending Other Financial Products And Services To These People Of Low Income Group Below Poverty Line Includes Women, Small Mergical Farmers, Artisans, Tenants Agricultural Labourers And Share Croppers. It Also Gives Them Access To Micro Insurance Through Which Sudden Expenses Relating To Serious Illness Or Asset Can Be Recovered. Present Global Financial Crisis Is Not Likely To Impact Small And Micro Enterprises And Hence It Is Better For Banks To Focus On Micro-Finance. Various Developments In The Area Of Micro Finance Are Narrated In The Authors Suggest That Banks Must Not Miss The Opportunity And Take It As A Challenge For Developing Business.
Download or read book Cooperative Agricultural and Rural Development Banks written by Jaya S. Anand and published by Atlantic Publishers & Dist. This book was released on 1999 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over Nearly Four Decades Of Their Chequered History, Co-Operative Agriculture And Rural Development (Card) Banks Have Been Able To Emerge As An Outstanding Co-Operative Institution, Catering Exclusively To The Investment Credit Needs Of The Rural Areas. The Kerala Card Bank Is Considered To Be The Best Among The Developing Banks Based On Its Outstanding Performance In Terms Of Many Indicators Like The Quantum Of Advances Made, Reserves, Profit, Small Farmer Coverage Etc. It Has Diversified Its Activities So As To Cover And Assist Rural Artisans, Small Scale Industrialists And Has Also Launched The Financing Of Rural Housing.The Study Examines The Role Of The Bank In Meeting The Long Term Credit Requirements Of The Rural Masses In The State. It Has Also Examined The Impact Of Lending, And The Utilisation And Recovery Pattern Of Loan Advanced.The Study Makes A Brilliant Exposition Of All These Issues And Highlights The Real Problem Prevailing At The Beneficiary Level. The Author Has Used Various Statistical Tools To Make The Study Scientific And Accurate. This Book Should Be Of Vital Importance To Policy Makers And Researchers.
Download or read book Social Banking written by Dīpāli Panta Jośī and published by Foundation Books. This book was released on 2006 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: With reference to India.
Download or read book Expanding the Frontier in Rural Finance written by Maria E. Pagura and published by Practical Action Publishing. This book was released on 2008 with total page 324 pages. Available in PDF, EPUB and Kindle. Book excerpt: Conroy and Iketut Budastra 9 Self-reliance vs.
Download or read book Rural Banking in India written by Manas Chakrabarti and published by New Century Publications. This book was released on 2011-01-01 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt: Agriculture and rural sectors play an important role in India's overall development strategy in terms of income and employment generation and poverty alleviation. Great significance has, therefore, been accorded to developing appropriate institutions and mechanisms for catering to the credit requirements of these sectors. The government of India has promoted Regional Rural Banks (RRBs). These banks are state-sponsored, regionally-based, and rural-oriented. Besides the RRBs, commercial and co-operative banks have also been catering to the credit requirements of the rural sector. The renewed emphasis on agricultural and rural development by the government would lead to a growing demand for different types of financial services in the rural areas. RRBs would be called upon to play a greater role in providing such services, due to their rural character and feel. This book explores development of RRBs in India.
