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Role of Hisar-Sirsa kshetriya gramin bank in rural financing

KrishiKosh

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Title Role of Hisar-Sirsa kshetriya gramin bank in rural financing
 
Creator Bisht, Jagvinder Singh
 
Contributor Dalvir Singh
 
Subject Regional Rural Bank, Hisar-Sirsa Kshetriya Gramin Bank and Self-Help Groups
 
Description Agriculture is the backbone of Indian economy as it is providing
livelihood to a majority of population and it is also a major contributor to the
gross domestic product of our country. The population of our country is
increasing so there is a need to increase the production as well. In this the role
of credit is very crucial. Earlier most of the credit was disbursed to the large &
well to do farmers due to their social and political influence. Thus, the role of
institutional credit is quite important more particularly for the rural poor. The
Hisar-Sirsa Kshetriya Gramin Bank was selected for the study because of its
considerable progress in rural financing. The present study was planned with
the following objectives:
(i) To study the performance in terms of deposits mobilization, loan advances,
recovered and overdues.
(ii) To examine the borrowing pattern and extent of loan diversion.
(iii) To assess the gap between the potential demand and existing credit
supply.
To accomplish the objectives, one branch from each district was
selected, out of 50 branches of the bank, 3 branches were selected namely,
Mirzapur, Dariyapur and Khariyan in Hisar, Fatehabad and Sirsa,
respectively. The data were collected regarding 3 categories of borrowers
namely; farmers, non-farmers and members of Self Help Groups. From
each branch, 60 respondents were selected including 20 farmers, 20
non-farmers and 20 members of Self Help Groups. In all, data were
collected from 180 respondents from three branches of the bank.
The members of Self Help Groups who borrowed money from bank
were categorized into cultivators and non-cultivators (landless, rural
artisans and retail traders). The members of Self Help Groups who
borrowed money from the bank received 64% of the money demanded and
diverted 11.2% of the funds. The non-farmers were divided into landless,
rural artisans and retail traders. The non-farmer borrowers received 71%
of the amount demanded and diverted 9% of the amount advanced. The
farmers were categorized into small i.e. upto 2.5 ha, medium between 2.5
and 3.5 ha, and large farmers above 3.5 ha, received 77% of the amount
demanded and diverted 9.7% of the amount advanced. Of the total
advances made to the farmers, non-farmers and Self Help Groups, 63%
was advanced to the farmers, 21% to non-farmers and 16% to Self Help
Groups. So it is clear from the study that there is a need to advance more
credit to the non-farmers and the members of self help groups.
 
Date 2016-12-01T09:59:25Z
2016-12-01T09:59:25Z
2005
 
Type Thesis
 
Identifier http://krishikosh.egranth.ac.in/handle/1/88513
 
Language en
 
Format application/pdf
 
Publisher CCSHAU