Download or read book Performance of Formal Rural Credit in india written by Gurdev Singh and published by Allied Publishers. This book was released on 2009-06-16 with total page 170 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book is the outcome of a study undertaken to examine the performance of formal rural credit in India. The author had generated the information on history of public intervention in rural credit, changes made in rural credit planning and efforts made to make access to formal credit easier and effective for enhanced use of credit by all sections of rural population. He has considered different facets of access and studied the performance on different fronts. Similarly different performance variables have been examined with respect to use of credit. The analysis is extended to district level as a case study of a selected district. The exercise leads to identification of deficiencies in the existing system and provides suggestions to make it more responsive and useful to users and efficient for the lending agencies. The book is another addition to his earlier publications on agricultural finance and would be useful to students of agricultural finance and policy makers and researchers interested in the rural credit.
Download or read book Towards a Perspective on Flow of Credit to Small and Marginal Farmers in India CMA Publication No 240 written by Samar K Datta and published by Allied Publishers. This book was released on 2012-05-25 with total page 306 pages. Available in PDF, EPUB and Kindle. Book excerpt: Against the backdrop of consistent and continuous failure of the formal rural financial system to fulfill the goals and aspirations of government policy and poor masses, on the one hand, and the resilience of the traditional rural informal credit system, on the other, this study has applied the tools of institutional economics—especially those pertaining to information asymmetry and transaction costs to develop a conceptual framework to capture the broad features of the current rural credit scenario in India. Using a fairly large size data from 700 borrower households and 94 lending organizations across the country and over a period of three years, supplemented by case studies of several new generation credit organizations, it has evolved both demand and supply side perspective and action points to resolve the observed problems of rural credit—especially those pertaining to small farmers and other vulnerable (mostly landless) groups.
Download or read book Agricultural development rural credit and problems of its recovery written by A. Ranga Reddy and published by Mittal Publications. This book was released on 1990 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book A Study of Microfinance as an Innovative Credit Delivery Mechanism in Rural India written by K. K. Tripathy and published by . This book was released on 2014 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt: The key problem of Indian agriculture is finance. Several weaknesses of the rural financial delivery system, have not been corrected even after almost 40 years of bank nationalization of 1969 which focused on enhancing the outreach and access to rural credit in India. In addition to reviewing agricultural credit policies followed in India and assessing the trends and progress in the credit flow and access, this paper aims at examining the suitability of government-directed microfinance activities as an alternate tool to the formal credit delivery mechanism in rural areas. Drawing upon the field surveys conducted in four districts of two federal states in India, the paper not only indicates the wide recognition the program has gained within the rural community but also reflects the inequitable impact of microfinance initiative, and highlights a few prominent flaws in program implementation and administrative mismanagement which reduce the effectiveness of the program. While the survey findings reveal the main problem areas like unfriendly attitude of bank officials, inaccessible bank branches, non-availability of timely and adequate credit, sub-optimal selection of key economic activities and market related problems, the regression result points out that land-based activities are not remunerative for the microfinance beneficiaries. This analysis also indicates that literacy, interest rate on loanable funds, ownership of productive assets and savings are the major determinants of the income function. The paper concludes with some policy implications for improving the design for implementing the program. The paper adds to the extant knowledge about microfinance programs by comparing the performance of formal banking with the informal banking through microfinance initiatives in a developing country like India.
Download or read book Rural Credit in India written by Prakash Chandra Deogharia and published by . This book was released on 2008 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Institutional versus noninstitutional credit to agricultural households in India Evidence on impact from a national farmers survey written by Kumar, Anjani and published by Intl Food Policy Res Inst. This book was released on 2017-03-02 with total page 36 pages. Available in PDF, EPUB and Kindle. Book excerpt: A goal of agricultural policy in India has been to reduce farmers’ dependence on informal credit. To that end, recent initiatives have been focused explicitly on rural areas and have had a positive impact on the flow of agricultural credit. But despite the significance of these initiatives in enhancing the flow of institutional credit to agriculture, the links between institutional credit and net farm income and consumption expenditures in India are not very well documented. Using a large national farm household–level dataset and instrumental variables two-stage least squares estimation methods, we investigate the impact of institutional farm credit on farm income and farm household consumption expenditures. Our findings show that in India, formal credit is indeed playing a critical role in increasing both the net farm income and per capita monthly household expenditures of Indian farm families. We also find that, in the presence of formal credit, social safety net programs such as the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) may have unintended consequences. In particular, MGNREGA reduces both net farm income and per capita monthly household consumption expenditures. In contrast, in the presence of formal credit, the Public Distribution System may increase both net farm income and per capita monthly household consumption expenditures.
Download or read book Rural Credit Institutions of India written by Gyan Prakash Verma and published by . This book was released on 2012 with total page 208 pages. Available in PDF, EPUB and Kindle. Book excerpt:
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 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 Credit Cooperatives in India written by Biswa Swarup Misra and published by Routledge. This book was released on 2010-04-08 with total page 252 pages. Available in PDF, EPUB and Kindle. Book excerpt: Credit cooperatives in India make up one of the largest rural financial systems in the world. Playing a vital role in dispensing credit in largely agricultural areas, they are also the weakest link in the formal credit delivery system. This book provides a valuable case study of the traditional banking system in this developing economy, exploring the reasons for the poor performance of credit cooperatives in India and suggesting measures to revitalise them. Although this sector has grown along with the micro-credit sector to provide finance for the poor and the less creditworthy borrowers, financing development still remains a major problem in the developing world. However, the financial health of credit cooperatives in India has been a matter of perennial concern. The author argues that cooperatives hold great promise for financial inclusion if the financial position of the cooperatives can be consolidated. Providing a detailed analysis of the historical evolution of cooperatives in India, the book establishes the link between different segments of this institutional system and their performance in a commercial sense to show that cooperatives occupy an important place in India’s financial edifice as they play a key role in the multi-agency framework for rural credit delivery. As such, the analysis provides a valuable reference for scholars of economics, Asian economics and finance.
Download or read book Rural Credit Policies and the Persistence of Overdues in Indian Agriculture written by Snehylata Gupta and published by . This book was released on 1990 with total page 490 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Rural Credit Role of Informal Sector written by Dinesh Chandra and published by . This book was released on 1993 with total page 278 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Rural Informal Credit Markets and the Effectiveness of Policy Reform written by Alexander Sarris and published by Food & Agriculture Org.. This book was released on 1996 with total page 156 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Microfinance India written by Tara Nair and published by SAGE Publications Pvt. Limited. This book was released on 2014-05-13 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Microfinance India: State of the Sector Report is an annual publication which quantifies the growth and performance of Indian microfinance in addition to documenting recent developments, analyzing critical issues, and identifying policy choices with the overall objective of deepening the understanding of the sector. Besides making available the latest statistical data on growth, performance and expansion across regions and population segments, the document provides a thorough review of the operational climate and the recent innovations in the realms of products, services and processes. This year’s State of the Sector Report is structured in line with the critical themes of current microfinance discourse. The report locates itself within the financial inclusion debate, as that is the overarching philosophical foundation of microfinance. Specifically, the report attempts to (a) unravel the major patterns of change within three major legal-organizational forms—self-help groups, for-profit microfinance companies and non-profit microfinance organizations; (b) explain the relationship among the major channels of microfinance, and between them and the other system players (banks, investors, government, central bank); and (c) review the main facets of the recent policy and regulatory changes that have a bearing on financial inclusion in general and microfinance in particular. This report is a valued reference document for researchers, practitioners and policy makers in the microfinance sector.
Download or read book Rural Credit in India written by Shukla Mahanty and published by . This book was released on 1991 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book Rural Credit Markets written by Anita Gill and published by . This book was released on 2000 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Download or read book The Impact of Formal Finance on the Rural Economy of India written by Hans Binswanger and published by . This book was released on 1992 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: India's supply-led approach to agricultural credit paid off in nonfarm growth, employment, and rural wages. The impact of expanded credit on agricultural output has been modest, and the benefits of agricultural income exceed the costs of the program only if optimistic assumptions are made about repayment rates on farm credit.
