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In India rural people such as small and marginal farmers, landless agricultural laborers, artisans and socially and economically backward castes and classes they have been exploited in the name of credit facility by informal sector. The rural credit market consists of both formal and informal financial institutions and agencies that meet the credit needs of the rural masses in India. The supply of total formal credit is inadequate and rural credit markets are imperfect and fragmented. Moreover, the distribution of formal sector credit has been unequal, particularly with respect to region and class, cast and gender in the country side. Regional Rural Banks were established under the provisions of an Ordinance promulgated on the 26th September 1975 and the RRB Act, 1975 with an objective to ensure sufficient institutional credit for agriculture and other rural sectors.This book is useful to policy makers and researchers in the field of Regional Rural Banks and Weaker Sections Development.
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.
In India, Regional Rural Banks (RRBs) were started in 1975 to cater to the needs of the rural economy. Operating mainly at the district level, these RRBs pay particular attention to the credit requirements of small farmers, artisans, and agricultural workers. The capital of RRBs comes from contributions by India's central government, concerned state governments, and sponsor banks at a ratio of 50:15:35. This book contains 18 papers by scholars in the field of rural institutional finance. The papers examine almost every aspect of the functioning of India's RRBs, including geographical coverage, clientele outreach, business volume, and the development of the rural economy.
It has been the Endeavour of each state to fulfill the basic needs of its citizens which are primarily food, clothing and shelter. If the governments fail to fulfill these needs for the welfare of their citizens according to the principles of justice, they are not legitimate. Food takes the priority over all the other needs. Which implies that agricultural sector gets top most priority. In India there are thousands of marginal farmers who struggle to make both ends meet. Along with agriculture sector there are other sectors which play an important role to uplift the poor people. As a financial coverage, banking sector in India treat Agriculture, Small Scale Industry and other sectors of prime importance from the socio-economic development point of the nation, as a priority sectors and allot substantial portion of their lending to these sectors.
able of Content : 1. Money–Definition, Functions and Importance 2. Supply of Money and High Powered Money 3. Financial System : Meaning, Components and Significance 4. Financial Intermediaries 5. Indian Banking System and Commercial Banking 6. Bank : Definition, Functions and Importance of Commercial Banks 7. Regional Rural Banks 8. Cooperative Banks in India 9. Creation of Credit By Banks 10. Development Banks 11. Non-Banking Financial Institutions in India 12. Problems and Policies of Allocation of Institutional Credit 13. Reserve Bank of India 14. Reserve Bank and Monetary Regulations in India 15. Interest Rate 16. Inflation and Interest Rates in India. More Information:- TheThe authors of this book are Dr. V.C.Sinha. Dr. V.C.Sinha is a former Vice-chancellor & Head, Department of Business Economics and Business Administration, A.P.S University, Rewa..
With special reference to their performance in rural credit in Uttaranchal, India.
This book divided into six chapters contain is inter alia the analysis of the purpose and logic of the already existing credit institutions, their strengths and weaknesses in achieving the goals for which they were setup, the changing environment which necessitates the setting up of new institutions called Regional Rural Banks, an analysis of their operations at all India level and in the state of Orissa. Very useful to teachers and researchers engaged in the study of rural banking especially in the post banking sector reform period.