Cooperative Agricultural and Rural Development Banks
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.
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Review of Literature
Profile of the Study Area
CoOperative Agricultural and Rural
Development Banks in India An Overview
Performance Evaluation of Kerala State
Impact of Long Term Credit Analysis
Summary of Findings and Suggestions
Agricultural and Rural Agricultural Credit agricultural development agricultural finance agricultural/production income allied activities Andhra Pradesh ANOVA average bank credit bank loan Bank of India beneficiaries CARD Banks Co-operative Agricultural Co-operative Banks Commercial Banks Committee credit gap credit supplied crores debentures declined defaulters earning members factors farmers/borrowers funds growth hectares impact increased incremental income Kerala KSCARD Bank lakhs Land Development Banks Land Mortgage Banks large farmers loan amount Loan and Non-Farm loanees loans advanced long term credit long term finance long term loans marginal farmers Minor Irrigation misused misutilisation NABARD Net Domestic Product Non-Farm Sector Number of Borrowers oo oo oo Ordinary Loan PCARD post-loan period pre-loan and post-loan Primary Banks productive purposes recovery Regression Analysis Report Reserve Bank respondents Rural Credit Rural Development Bank sample borrowers Sector-wise share capital significant small and marginal small farmers Source Table Thiruvananthapuram District three sectors three selected sectors total income utilisation