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With reference to India; partial focus on National Bank for Agriculture and Rural Development (India).
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.
`This is a "must read" for anyone interested in value chain finance.---Kenneth Shwedel, Agricultural Economist --Book Jacket.
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.”
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.
Beyond Micro-Credit sets out how Indian Micro-Finance Initiatives are combining micro-finance with a wide range of development goals, these include not only poverty alleviation through providing savings, credit and insurance services but also promoting livelihoods, empowering women, building people's organizations and changing institutions.
This open access book provides an evidence-based roadmap for revitalising Indian agriculture while ensuring that the growth process is efficient, inclusive, and sustainable, and results in sustained growth of farmers’ incomes. The book, instead of looking for global best practices and evaluating them to assess the possibility of replicating these domestically, looks inward at the best practices and experiences within Indian states, to answer questions such as -- how the agricultural growth process can be speeded up and made more inclusive, and financially viable; are there any best practices that can be studied and replicated to bring about faster growth in agriculture; does the prior hypothesis that rapid agricultural growth can alleviate poverty faster, reduce malnutrition, and augment farmers’ incomes stand? To answer these questions, the book follows four broad threads -- i) Linkage between agricultural performance, poverty and malnutrition; ii) Analysing the historical growth performance of agricultural sector in selected Indian states; iii) Will higher agricultural GDP necessarily result in higher incomes for farmers; iv) Analysing the current agricultural policy environment to evaluate its efficiency and efficacy, and consolidate all analysis to create a roadmap. These are discussed in 12 chapters, which provide a building block for the concluding chapter that presents a roadmap for revitalising Indian agriculture while ensuring growth in farmers’ incomes.
A flagship publication of the Ministry of Agriculture, this is an authentic source of data on various facets of the agriculture and allied sector. It gives a comprehensive picture of Indian agriculture by presenting statistical data across states and time periods, covering diverse aspects, such as crop production and productivity, land use, agricultural inputs, terms of trade, price support and procurement, domestic and international trade, rainfall, credit and insurance. Though primarily based on data being continuously generated by the Ministry of Agriculture through a nation-wide agricultural data collection system and from various other central and state government Departments, the 2014 edition includes key indicators of Situation Assessment Survey of Agricultural Households 2013, made public in December 2014.
Is democracy driven by citizens or by the citizen elite? Acclaimed sociologist and author Dipankar Gupta argues that at every historical juncture when democracy made significant advances, it was the citizen elite, or the elite of calling, who led the charge, often going against the grain of popular demands and sentiments. At its best, democracy does not reflect reality as much as it shapes and changes it. This requires active intervention by the citizen elite, who are not concerned with short-term electoral calculations but have a vision for strengthening democracy. They are the ones who set the agenda that the masses follow, thereby taking the country forward on the path of true democracy. As India has not delivered meaningfully in terms of universal health, education and livelihood, it too needs a band of citizen elite to initiate change. Dipankar Gupta argues that this change cannot be contemplated through the short-term rationality of elections, and needs visionaries to push it through-change can only be effected by 'revolution from above'. Incisive and relevant, this book provides empirical evidence to show how urgent it is to take democracy forward, and explains how best to accomplish it in the light of international historical evidence.