› › Performance Of Formal Rural Credit In India

Performance of Formal Rural Credit in india

Author : Gurdev Singh

Publisher : Allied Publishers

Page : 170 pages

File Size : 43,19 MB

Release : 2009-06-16

Category : Agricultural credit

ISBN : 8184244770

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Book Description

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.



Credit Cooperatives in India

Author : Biswa Swarup Misra

Publisher : Routledge

Page : 252 pages

File Size : 28,99 MB

Release : 2010-04-08

Category : Business & Economics

ISBN : 1136994033

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Book Description

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.



Rural Financial Markets in Asia

Author : Richard L. Meyer

Publisher : Asian Development Bank

Page : 428 pages

File Size : 12,21 MB

Release : 2000

Category : Agricultural credit

ISBN :

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Book Description

Rural Financial Markets in Asia: Paradigms, Policies and Performance specifically examines the commercialization of the rural economy and the provision and use of rural financial services since the 1970s.



Liberalising Indian Agriculture

Author : Garry Pursell

Publisher :

Page : 60 pages

File Size : 23,93 MB

Release : 1993

Category : Agricultural innovations

ISBN :

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Book Description

India's incentive system heavily favors manufacturing and discriminates against agriculture. This proposed reform agenda would remove major policies that distort agricultural imports, exports, inputs, and domestic markets. It would protect low- income groups against necessary increases in food prices.



Institutional versus noninstitutional credit to agricultural households in India: Evidence on impact from a national farmers’ survey

Author : Kumar, Anjani

Publisher : Intl Food Policy Res Inst

Page : 36 pages

File Size : 37,8 MB

Release : 2017-03-02

Category : Political Science

ISBN :

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Book Description

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.



White Gold: The Commercialisation of Rice Farming in the Lower Mekong Basin

Author : Rob Cramb

Publisher : Springer Nature

Page : 462 pages

File Size : 33,72 MB

Release : 2020-01-03

Category : Business & Economics

ISBN : 9811509980

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Book Description

This open access book is about understanding the processes involved in the transformation of smallholder rice farming in the Lower Mekong Basin from a low-yielding subsistence activity to one producing the surpluses needed for national self-sufficiency and a high-value export industry. For centuries, farmers in the Basin have regarded rice as “white gold”, reflecting its centrality to their food security and well-being. In the past four decades, rice has also become a commercial crop of great importance to Mekong farmers, augmenting but not replacing its role in securing their subsistence. This book is based on collaborative research to (a) compare the current situation and trajectories of rice farmers within and between different regions of the Lower Mekong, (b) explore the value chains linking rice farmers with new technologies and input and output markets within and across national borders, and (c) understand the changing role of government policies in facilitating the on-going evolution of commercial rice farming. An introductory section places the research in geographical and historical context. Four major sections deal in turn with studies of rice farming, value chains, and policies in Northeast Thailand, Central Laos, Southeastern Cambodia, and the Mekong Delta. The final section examines the implications for rice policy in the region as a whole.



Beyond Micro-credit

Author : Thomas Fisher

Publisher : Oxfam

Page : 396 pages

File Size : 47,16 MB

Release : 2002

Category : Business & Economics

ISBN : 9780855984885

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Book Description

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.



The Economics of Rural Organization

Author : Karla Hoff

Publisher : Oxford University Press, USA

Page : 616 pages

File Size : 25,70 MB

Release : 1993

Category : Business & Economics

ISBN :

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Book Description

A key to understanding why some rural development policies succeed and some fail is found in this book. The editors contend that established economic models are inadequate to interpret the behavior of rural markets and nonmarket institutions. This book investigates economic institutions and contractual arrangements in credit, labor, and land markets and analyzes their implications for the behavior of the rural sector. Drawing on 15 short case studies, five overview and nine theoretical chapters explore some of the most pressing problems facing developing countries: how to promote financial integration of the rural sector, how to rationalize the use of land and water, and how to design and administer tax and transfer policies. The book contributes to theory, empirical methodology, and the solution of concrete policy questions.



Finance Against Poverty: Volume 1

Author : Hulme David

Publisher : Routledge

Page : 244 pages

File Size : 13,65 MB

Release : 2005-08-12

Category : Business & Economics

ISBN : 1134803842

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Book Description

In two volumes these books review and expand the theory that poverty in the world's poorest regions could be alleviated by providing small loans to micro-entrepreneurs. Volume 1 provides detailed analysis of this theory and offers policy recommendations for practitioners in this field. Volume 2 presents empirical evidence drawn from comparative experiences in seven developing countries. The work assesses the success of this policy and provides some startling conclusions. This is essential reading for all those interested in development, poverty-reduction, social welfare and finance.



Rural Financial Markets in Developing Countries

Author : Von Pischke, J. D.

Publisher : Johns Hopkins University Press

Page : 464 pages

File Size : 38,60 MB

Release : 1983

Category : Business & Economics

ISBN :

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Book Description

Until recently the use of agricultural credit as a developmental tool seemed clear and straightforward. Most concerned people believed that increases in the volume of cheap credit were necessary to boost agricultural production, and that the rural poor could be brought into the mainstream of development through supervised credit programs. It seemed that certain ideal types of rural credit institutions offered the promise of meeting farmers' credit needs, and that experience in the industrialized countries with cooperatives and specialized agricultural finance institutions could be effectively transplanted to low-income countries. This collection of readings highlights facets of rural financial markets that have often been neglected in discussions of agricultural credit in developing countries. It moves beyond a narrow concern with the simple provision of credit to a broad consideration of the performance of rural financial markets and of ways to improve the quality and range of financial services for low-income farmers. It reflects new thinking on the design, administration, evaluation and policy framework of rural finance and credit programs in developing countries.