They have been created with a read to serve primarily the agricultural areas of India with basic banking and monetary services

Yüklə 1,71 Mb.
ölçüsü1,71 Mb.
  1   2   3   4   5   6   7   8   9   ...   27


They have been created with a read to serve primarily the agricultural areas of India with basic banking and monetary services. RRB's could have branches establish for urban operations and their space of operation could embrace urban areas. the world of operation of RRBs is restricted to the world as notified by Government of India covering one or more districts within the State RRB's in addition perform a range of different functions. RRB's carry out numerous functions in following heads supplying bank facilities to rural and semi-urban regions. effecting government operations like disbursement of wages of MGNREGA personnel, distribution of pensions and so on.providing Para-Banking facilities like locker facilities, debit and credit playing cards. Agriculture can be a prime deliver of sustenance in India.
The majority of poor people living in rural areas and also the Indian economy depend from last 60 years. Agriculture finance is best done by monitory Institutions that have the capability to diversify across all the regions, economic sectors and agriculture sub sector. Agriculture finance significance is to increase access to monetary services for farmers and different enterprises in rural areas.
In most of the cases, the Indian farmers don't seem to be able to meet the expenditure, thanks to low size of the holdings, low productivity, low financial gain and high level of consumption for domestic need. In earlier days the agricultural finance is provided solely by Co-operatives, development banks and personal cash lenders. Rural Regional Banks were imagined to evolve as specialised rural monetary establishments for developing the agricultural economy by providing credit to little and minor farmers, agricultural laborer, artisans and small entrepreneurs.

Their equity is control by the Central Government, involved authorities and therefore the Sponsor Bank within the proportion of 50:15:35 severally. The mandates of those rural monetary establishments were to: (a) Take banking to the doorsteps of the agricultural plenty, notably in areas were banking facilities are not available; (b) create offered cheaper institutional credit to the weaker sections of society, Who were to be the sole purchasers of those banks; (c) Mobilize rural savings and canalize them for supporting efficient activities inside the rural regions; (d) Generate employment opportunities in the rural areas and (e) deliver down the rate of offering credit in rural regions.

ORGANISATIONAL STRUCTURE OF RRB'S : The organizational Structure for RRB's varies the subsequent is that the higher cognitive process hierarchy of officers in a very Regional Rural Bank. • Board of directors • Chairman & manager • general manager • Chief Manager/Regional Managers • Senior Manager • Manager • officer / Assistant Manager • Office Assistant (Multipurpose) 1.3 summary of Telangana Grameena bank The bank was established on 24.03.2006 by amalgamating four RRBs sponsored by state bank of Hyderabad, viz.
Sri Saraswathi Grameena Bank, Sri Satavahana Grameena Bank, Sri Rama Grameena Bank and golconda Grameena Bank and introduced as Deccan Grameena Bank with head quarter at Hyderabad by giving varied facilities like low rate of interests and best credit facilities etc. The mission of the bank with “Providing clear and economical Banking Services at an affordable price at the doorsteps of our customers by making certain 100% monetary Inclusion, authorisation of rural customers.

The Area of operation of the Bank covers the districts of Adilabad, Karimnagar, Nizamabad, Hyderabad and Ranga Reddy districts of Telangana. The approved share capital of the Bank is Rs.5 crores. The paid capital is Rs.4 crores that is contributed by Government of india, Sponsor Bank i.e. banking concern of Hyderabad & Government of Andhra Pradesh within the magnitude relation of 50: 35: 15 severally.

STATEMENT OF THE PROBLEM: The poor and weaker section people in rural areas they are born in debts, live in debts, dies in debts not reaching the rural price properly they are incapable to bear their life . By proper channel we can provide credit facilities regularly and establish more rural banks in rural areas in India and in Telangana. 1.5
REGIONAL RURAL BANK Agriculture is that the stamina of Indian Economy. regarding 65 % of Indian population depends directly on agriculture and it accounts for around 22 per cent of gross domestic product and employs nearly 62percent of the population. It accounts for 8.56 per cent of India's exports. regarding 43 per cent of India's geographic area is employed for agricultural activity.
In the past, India had to import most of its food. however improved farming techniques and therefore the exploitation of irrigation and high-yield grains has greatly multiplied. In India, since most of the cropped space even currently doesn't have any assured irrigation, the monsoon assumes a vital role in influencing agricultural production. India's agriculture exports important items of agricultural export are rice, cashew nuts, coffee, tea, horticulture and floriculture products etc.
Agriculture derives its significance from the very reality that it's essential offer and call for demand links with the producing area. during the beyond five years agriculture area has witnessed astonishing advances inside the manufacturing and productiveness of meals grains, oilseeds, industrial crops, fruits, vegetables, meals grains, poultry and dairy.
India has emerged because the second largest producer of fruits and vegetables within the world additionally to being the biggest overseas businessperson of cashews andspices.1Further, Asian country is that the highest producer of milk within the world. Agricultural production in Asian country depends upon countless small farmers. it's the intensity of their effort and also the potency of their technique that may facilitate in raising yields per acre.
Because of inadequate money resources and absence of timely credit facilities at affordable rates, several of the farmers, even supposing otherwise willing, area unit unable to travel certain improved seeds and manures or to introduce higher strategies or techniques. it is, therefore, of the utmost significance that the cash necessities of the farmers region unit properly met.

until Independence in 1947, cash lenders and the landlords had been the principal assets of rural credit. over the years, the operations of moneylenders have declined seeable of debt alleviation legislations, the gadget of licensing moneylenders and regulations on the usage and transfer of land as security.2similarly, the ending of all privileged tenures each in 'zamindari' and 'ryotwari' regions has discouraged investment by using the landlords and bigger cultivators.

Provision of comfortable and timely credit at truthful rates of interest has, therefore, tobe thought of as associate integral a part of agricultural development. assist rendered by technique of credit score has, however, to be associated with particular things of productive paintings or of critical expenses of cultivation. originated in 1982, commercial bank for Agriculture and Rural Development (NABARD) is that the apex establishment authorized with all matters regarding policy, coming up with and operations within the field of credit for agriculture and alternative economic activities in rural areas in Asian country.3NABARD is accomplice apex refinancing business enterprise for the establishments presenting funding and manufacturing credit in rural regions 1.6

IMPORTANCE OF AGRICULTURE FINANCE IN INDIA: skilled moneylenders were the sole supply of credit to agriculture until 1935.4they use to rate unnecessary excessive rates of interest and observe serious practices whereas giving loans and ill them. As a result, farmers were heavily careworn with debts and lots of of them perpetuated money owed.

There were widespread discontents among farmers against these practices and there have been instances of riots conjointly. With the passing of Federal Reserve Bank of Asian country Act 1934, District Central Co-op. Banks Act and exploitation Banks Act, agricultural credit received impetus and there have been enhancements in agricultural credit.

A powerful various agency came into being. Large-scale credit became obtainable with cheap rates of interest at simple terms, each in terms of granting loans and recovery of them. each the cooperative banks advance credit principally to agriculture. 1st bank advances short and medium term loans whereas the second bank advances long loans.

The Federal Reserve Bank of Asian country because the financial organization of the country took lead in creating credit obtainable to agriculture through these banks by giving birth down appropriate policies. even though the co-operative banks started funding agriculture with their establishments in 1930's actual impetus turned into received completely while Independence once appropriate law were passed and policies were developed.

Thereafter, bank credit to agriculture created fantastic progress by gap branches in rural areas and attracting deposits. fourteen main business banks have been nationalized in 1969, co-operative banks had been the maximum institutional groups providing finance to agriculture.when nationalization; it absolutely was created obligatory for these banks to supply finance to agriculture as a priority sector.

These banks underneath took special programs of branch growth and created a network of banking services throughout the country and began funding agriculture on giant scale. therefore agriculture credit nonheritable multiagency dimension. Development and adoption of latest technologies and handiness of finance go hand in hand. In delivery "Green Revolution", "White Revolution" and currently "Yellow Revolution "finance has vie an important role.

now the agriculture credit, through multi agency approach has come back to remain. The procedures and quantity of loans for numerous functions are standardized. Among the varied functions "Crop loans"(Short-term loan) has the key share. additionally, farmers get loans for purchase of electrical motor with pump, tractor and alternative machinery, excavation wells or boring wells, installation of pipe lines, drip irrigation, planting fruit orchards, purchase of farm animals and feeds/fodder for them, poultry, sheep/goat keeping and for several alternative allied enterprises.

1.7 HISTORY OF GRAMIN BANK IN INDIA: Grameena banks were started in Asian country on October ordinal, 1975.They were created supported the Recommendations of the Narsimham committee. the most reason was that our Economic planners knew well that regionally headed rural banks can facilitate within the growth of Rural economy. Rural Regional Banks square measure established underneath the provisions of associate ordinance publicized on the twenty sixth Gregorian calendar month, 1975 and therefore the RRB Act, 1976 with associate objective to confirm comfortable institutional credit for agriculture and alternative rural sectors.

Reforms and mergers introduced by the govt. of Asian countryn consultation with Federal Reserve Bank of India (RBI) and commercial bank for Agriculture and Rural Development (NABARD) within the years 1994-95 to 2005-06 have yielded positive ends in respect of key overall performance indicators like variety of banks and branches, capital composition, deposits, loans, loans and therefore the trend of investments.

The Rural Regional Banks were established with the objectives to supply credit and alternative facilities significantly to tiny and marginal farmers, agricultural labourers, rural artisans and little entrepreneurs thus on develop agriculture trade, commerce, business and alternative productive activities in rural areas. Initially, Rural Regional Banks were originated on October a pair of, 1975 in Moradabad and Gorakhpur in province, Bhiwani in Haryana, Jaipur in Rajasthan and Maldain state.

These banks were sponsored by the Syndicate Bank, the bank of Asian country, the geographic area commercial bank, the United full service bank and therefore the United Bank of Asian country severally.6The Equities of Grameena banks square measure divided as 50:35:15 among the Central Government, higher than same sponsoring banks, authorities. There square measure currently almost100 Gramin with their branches in 593 districts features a sensible base for Rural banking record for Garmin banks. 1.8

OBJECTIVES OF THE RESEARCH STUDY: the precise objectives of this study area unit as follows. 1. to understand the role and importance of Rural Regional Banks inAgriculture& Rural Development 2.. to review the role of sponsored banks within the development of RRB'S in Telangana. 3. to review the credit facilities obtainable in Telangana Grameena Bank. 4.
To study the services provided by Telangana Grameena Bank to the farmers and its bias the social and economical status of farmers. 5. To find out the problems faced by Telangana Grameena Bank in Agriculture finances 1.9 HYPOTHESIS: 1. HO1: There is no significant deference between demographic factors and allocation of finance 2.
H02: There is no significant impact of socio-cultural factors on bank finance 3. H03: There is no significant difference in efficiency of managements of RRB's and facilities and finance allocation to farmers 1.10 RESEARCH METHODOLOGY: The current study is mainly bases on primary and secondary sources of data.
Sources of Data: The relevant primary data will be collected mainly through interviews and questionnaire. The secondary suitable data will be collected mainly from the published reports of Reserve Bank of India (RBI), National Bank for Agricultural and Rural Development (NABARD), the Banker's journals. RBI bulletin, NABARD statistical reports, different annual reports of Telangana Grameena Bank.
In this study simple statistical tools are used for data analysis. · Research area: The study is mainly limited only to the Telangana Grameena Bank.The study is conducted in selective branches of bank in Adilabad District. · Study period : The whole study period concerned with 2006-007 to 2015-16 i.e. · Ten years period.
· Research design: In this particular research one district of Telangana state named Adilabad district out of 10 districts has been taken for purposefully as a population under the convenient sampling. · Sample design: Sample design as follows Sample data Sample Size Customers (Farmers) 850 Bank employees 150 Total Sample size 1000 Period of study The period was taken as 2011 to 2015 for the Secondary data. For Primary data the period was 1st July 2014 to 31st July 2015.
Developing Questionnaire The data collected through a self administered questionnaire. This was developed in the following stages: 1. Identifying variables and developing draft. 2. Pilot survey 3. Finalizing the questionnaire 1. Identifying variables and developing draft:- a various of dimensions of the rural Regional Banks and Telangana Grameena Bank in context of farmers' preferences were specified as variables for the study. These variables were recognized on the basis of prior research done in India and abroad and other literature sources.
The statements were measured on five point scale to enable consumers to make better discriminations with both highly satisfied and highly dissatisfied as anchors. 2. Pilot survey: A pilot survey was done on 50 farmers and bank employees thirty five are farmers and fifteen are from bank employees find out the stage of understandability and rectify the errors if any in the questionnaire. There were no major difficulties encountered as such.
After the pilot survey, he only minor changes in statements and in terms of language were made. 1.11 DATA COLLECTION To increase our understanding of farmer's behavior, it is decided to conduct an tentative study to identify major preferences among between farmers and bankers. It involved conducting a field survey in selected Telangana Grameena bank, and farmers in the select villages.
The data is collected from the persons connected to bank, and loans taken from the bank. The persons were contacted after providing agriculture loan. The farmers were administered a planned survey to fulfill the objectives as mentioned the response was recorded using a set of statements measured on Likert's type Scale and demographic questions.
The questionnaire designed for the survey, conducted for the period 1st July 2014 to 31st July 2015 was administered to 1000 farmers (850), bank employees (150). 1.11.1 Source of Data Internet Websites, annual reports, Published articles, Printed material written by experienced persons and authors. Thesis of the research scholars, survey reports of eminent research institutes are taken for the secondary data.
Administered questionnaires filled by the respondents are taken for primary data analysis. 1.11.2 Data Processing The information collected from them were separated according to their category and were screened for any possible errors. Later these data, which were in quality form, are converted into codes and those codes were entered into the computer in the spreadsheet form.
Later, these spreadsheet form data were processed with the help of SPSS statistical package. All the percentage tables were prepared first in order to know the trends, and then descriptive statistics were prepared for all variables. 1.11.3 Data analysis Statistical tools such as percentages median, mean and inferential techniques like Chi- square test used for analyzing data.
Factor analysis is also used to recognize the factors which represent the relationship between a set off variables. Correlation is used to find out dating between the variables. Regression analysis, multiple regressions use to find out a descriptive application of multiple regression calls for controlling for confounding variables to letter assess the contribution of other variables. Multiple regressions is also used as an inference tool to test hypotheses and to estimate population values.
Cronbach”s alpha test is also used to test the reliability of data. 1.11.4 Descriptive Study Personal discussion with the people associated with the banks, resulted in understanding bankers views and farmers opinion in giving and taking loans. In addition awareness level information regarding various factors contributes to increase consumer preferences gathered through questionnaire. 1.11.5
Analytical Study The secondary data was collected from company websites, journals and magazines, proceeding of the conferences and seminars and books. Also collected through discussions with the experts and working people in the related areas. 1.11.6 Organization of the Study The entire study was divided into five chapters.
They are Chapter - 1: INTRODUCTION This chapter, being introductory in nature, deals with the concepts and definition of important terms that are relevant and significant in understanding rural Regional Banks with special reference to Telangana Grameena bank. It also represents a sample design, source of data, methodology, and scope of study, limitations and the scheme of presentation.
Chapter - 2: REVIEW OF LITERATURE This chapter provides comprehensive review of literature on pertaining to regional rural bank and Grameena banks Chapter -3 CONCEPTUAL FRAME WORK ON REGIONAL RURAL BANK This chapter highlights the theoretical understanding of the Regional Rural Bank and loans provided to farmers as agricultural loans. Farmers preference to take loan from the Grameena Bank.
Chapter -4 AN OVERVIEW OF RECENT TRENDS IN ORGANIZED RETAIL SECTOR This chapter provides the history of Grameena Bank, with special reference to Telangana Grameena Bank. Chapter - 5: DATA ANALYSIS AND INTERPRETATION The data collected was analyzed with the help of Chi-square, factor analysis, ANOVA, Correlation, Multiple Regression to understand the association between the various attribute of Bank employees and farmers.
Chapter: 6 FINDINGS, CONCLUSIONS AND RECOMMENDATIONS This chapter summarizes the study, presents major findings of the study, presents broad conclusions and offers few recommendations. It highlights the contribution of the present study. In addition it identifies the areas for further research. 1.11.7 LIMITATION OF THE STUDY The study is an attempt to trace out the customer preference factors and the research has done systematically.
Still it has certain limitations like: 1.11.8 Scope and limitations of study: The study covers the period of 10 years from 2006-007 to 2015-16. The study covers performance evaluation and operational aspects of Telangana Grameena Bank. The scope of the study will be confined to analysis of Capital, Deposits, Investments, Credit flow, profits,NPS and other financial parameters, etc.
The present study will also deals with, the performance of Telangana Grameena Bank with geographically limited to Telangana State only. The study confined to Telangana Grameena Banks situated in the select district and farmers who are avail the loans from these banks for activities of farming and farm related to the land owners and tenants who are cultivation are doing were considered for data collection.
The results which disclosed may not applicable to the other areas, other banks it may be one of the limitation of the study, ABSTRACT It may be observed soon after independence in 1947, the Government decided to develop the economy. It was also well known of the situation of the credit facilities in the country. As a preliminary measure, the Government put restriction on commercial banks.
Being rather doubtful of the response to the measures initiated to channelise increasing volume of credit to priority sectors, lead the Government to contemplate on giving the ownership of banks under State Control, which culminated in to the nationalization of fourteen banks in the country on 19th July 1969. The main objectives of the nationalization, among others, were ensuring greater supply of credit for priority sectors, removal of ownership of banks by a few and giving a professional feel to the bank management.
In due course, the lead bank scheme was implemented and finally to speed up rural credit, particularly credit to the weaker sections of the rural community (i.e. small farmers), the Regional Rural Banks were brought into existence. It was only some time ago that the union finance minister ruled out in the parliament the possibility of a merger of the Rural Regional Banks The Tribunal Award, announced granting of pay parity to all the 70,000 RRB employees with their counter parts in the sponsoring commercial banks, altering the financial picture to some extent. For the imposition of higher wage bill on the hopelessly unviable RRBs might just force the merger issue.
Nevertheless, there are sound reasons for the Finance Minister to not change his stand. The role and viability of the RRBs has been questioned since their inception. But the Dantwala, Kelkar and Khusro Committees have all upheld the usefulness of the RRBs in credit dispensation in the rural areas, although they have differed in their prescription for improving their viability. Thus, the RRBs will continue to operate and, given their mandate, probably remain unviable.

Kataloq: wp-content -> uploads
uploads -> Mühaziry riyazi mYntiqin elementlYri
uploads -> Mühazirə Tarix, elm və fəlsəfə. Anlayışlar və ideyalar Keçmiş və Tarix
uploads -> Amerikalılarda Azərbaycan haqqında daha geniş təsəvvür yaratmağa çalışacağam
uploads -> Mühazirə1:İqtisadi informatikanın əsas anlayışları İnformatika haqqında ümumi məlumat
uploads -> Frankfurt məktəbi
uploads -> İxtisasın (proqramın) şifri və adı: 040545 Kompyuter şəbəkələrinin və hesablama texnikasının
uploads -> Onlayn jurnaliSTİka fənninin
uploads -> Mühazirə mətinləri. Matrislər və onlar üzərində əməllər
uploads -> İxtisasın (proqramın) şifri və adı 040529 – Nəqliyyatda daşımaların təşkili baki – 2014
uploads -> Multimedia Mərkəzi Ali təhsil müəssisələrinin jurnalistika fakültələri üçün multimedia jurnaliSTİkasi fənninin

Yüklə 1,71 Mb.

Dostları ilə paylaş:
  1   2   3   4   5   6   7   8   9   ...   27

Verilənlər bazası müəlliflik hüququ ilə müdafiə olunur © 2023
rəhbərliyinə müraciət

    Ana səhifə