scholarly journals Performance of Regional Rural Banks in Indian Economy: An Overview

2017 ◽  
Vol 3 (2) ◽  
Author(s):  
Bhajan Chandra Barman
Keyword(s):  
Commercial Banks ◽  
Secondary Data ◽  
Rapid Expansion ◽  
Good Growth ◽  
Rural Poor ◽  
Rural People ◽  
Banking Services ◽  
Rural Credit ◽  
Basic Objective ◽  
Accumulated Losses

Regional Rural Banks (RRBs) also known as ‘Gramin’ bank have emerged as an important rural credit delivery institution in India for meeting the credit requirements of the rural poor. These rural banks have been working for more than four decades in the Indian rural credit delivery system. They are state sponsored, regionally based and rural oriented commercial banks. The basic objective of this study is to analyse the growth and financial performance of RRBs in India from the period 2013 to 2016 based on some selected parameters like area coverage, profit and loss making RRBs, trends of profits and accumulated losses, overall position of non-performance assets and recovery rate. We have mainly used secondary data collected from various journals, books and available websites related to regional rural banks. The review of performance of RRBs shows the good growth performance of RRBs for providing better banking services to the rural people. From the analysis, we can draw the conclusion that rapid expansion of RRBs has been able to substantially reduce the regional disparities in respect of banking facilities in India.

scholarly journals Are Commercial Agent Banking Services Worthwhile For Financial Inclusion?

2021 ◽  
Vol 12 (2) ◽  
pp. 206
Author(s):  
Md. Imran Hossain ◽  
Md. Al-Amin ◽  
Md Abu Toha
Keyword(s):  
Emerging Economies ◽  
Commercial Banks ◽  
Econometric Model ◽  
Adult Population ◽  
Secondary Data ◽  
Sampling Technique ◽  
Financial Inclusion ◽  
Three Dimensions ◽  
Banking Services ◽  
The Impact

In recent times, commercial agent banking services have got considerable attention from academia and the banking industry for accelerating financial inclusion in emerging economies. However, it's incomprehensible to accelerate the economic progression through financial inclusion while ignoring a huge segment of the nonbank people from unprivileged areas. A very few studies have been conducted on the association between agent banking services and financial inclusion in emerging economies such as Bangladesh. The present study aims to investigate the impact of agent banking services provided by commercial banks on financial inclusion. To begin with the investigation, this study was based on agency theory considering the purposive sampling technique. This quantitative study was conducted on 19 commercial banks which are currently providing agent banking services in Bangladesh. An econometric model was proposed whereas the dependent construct has one specific dimension named as financial inclusion proxy by several accounts as a percentage of the adult population, in contrast, the independent construct had three dimensions named as-deposited amount, credited amount, and inward remittance of agent bank. In addition to that, this econometric model was based on secondary data whereas data analysis was conducted by considering panel data statistical method using GRETL (2019) software. This statistical analysis revealed that currently both the deposited amount and credited amount do have a significant impact on financial inclusion.  It has also been inferred that using agent banking for in-warding remittance and new accounts open by clients have a positive significant relationship with financial inclusion. It is argued that agent banking services by comprising unbanked people in financial inclusion will ultimately prompt the opportunity for proper mobilization of resources and funds while maintaining safety and security. Further, it is also claimed that this study would assist to illustrate the present performance of agent banking services in financial inclusion from a multidimensional perspective which will contribute to providing some more innovative and sustainable products and services towards the unbanked people. Finally, this study recommends that commercial banks through agent banking should include a maximum number of nonbank populations into the financial inclusion by ensuring sustainable agent banking services which will accelerate the emerging economics Sustainable Development Goal (SDGs) performance.

scholarly journals Regional Rural Banks and Rural Development: A Case of Pragathi Krishna Gramin Bank

2019 ◽  
Vol 7 (2) ◽  
pp. 68-74
Author(s):  
Harish Tigari ◽  
M G Gaganadeepa
Keyword(s):  
Rural Development ◽  
Rural Economy ◽  
Secondary Data ◽  
Specific Area ◽  
Vital Role ◽  
Rural People ◽  
Rural Credit ◽  
Agricultural Laborers ◽  
Credit Structure ◽  
The Village

The rural banking is one of the important roles in rural development of our country, and the village economy is the backbone of the Indian economy. Without the development of the rural economy, the objective of economic planning cannot be achieved. Hence the Regional rural banks (RRBs) are plays a vital role in the rural development for the economy in India.  The RRBs were established on October 2, 1975, with the main objective of a provisional credit to rural people who are not economically strong enough, especially the small farmers, artisans, agricultural laborers, and even small entrepreneurs. The present study is a modest attempt to rural credit structure and the role played by RRBs in the development of rural economy. The present research paper is designed in nature and makes use of secondary data. The relevant secondary data have been collected mainly through the articles, journals, books, and websites have been referred. This paper is to examine the rural credit structure in RRBs of Pragathi Krishna Gramin Bank. And this study is focused only on the specific area like loans and advances made by the RRBs for three years period of 2015-16 to the year 2017-18.

scholarly journals Financial Inclusion Disclosure: Empirical Evidence From Banking Industry Of Bangladesh

2021 ◽  
Vol 11 (1) ◽  
pp. 27-41
Author(s):  
Shaily Das
Keyword(s):  
Financial Services ◽  
Commercial Banks ◽  
Banking Sector ◽  
Stock Exchange ◽  
Financial Inclusion ◽  
Annual Reports ◽  
Commercial Development ◽  
Banking Services ◽  
Rural Credit ◽  
Bank Disclosure

Financial inclusion refers to the procedure of making financial services accessible to all individuals and businesses at reasonable costs. Financial inclusion strives to address the constraints that retard people from participating in the financial sector. It has been drawn much attention for its contribution to economic and commercial development, raising inclusive growth, minimizing income inequality all over the world, especially in developing countries like Bangladesh. Central Bank of Bangladesh (Bangladesh Bank) formulated a financial inclusion policy in 2009 intending to make banking services available to unbanked people. This study examines the Financial Inclusion Disclosure by 30 Banks (5 state-owned banks and 25 private commercial banks) of Bangladesh, which are listed in the Dhaka Stock Exchange during the period 2015-2019. The objective of the study is to analyze the activities of the banking sector of Bangladesh for making banking services available to unbanked people. For that purpose, annual reports of the selected banks have been studied, and findings are demonstrated through graphs. According to the study findings, priority areas of financial inclusion include school banking, agent banking, street children account,10 taka farmers account, SME financing, rural credit, women entrepreneur loan, etc.  This study also shows the prospects of financial inclusion, financial inclusion issues that are highly emphasized, barriers to financial inclusion, and initiatives needed to overcome these barriers.  This study findings depict that the financial inclusion performance of state-owned banks of Bangladesh is relatively better than those of private commercial banks, and inclusion actions are increasing with time. Policymakers might use these findings and also the banks to ensure no eligible person remains unbanked.   Keywords: Bangladesh Bank; disclosure; financial inclusion; unbanked people

Cyber crimes in the banking sector: Case study of Vietnam

2020 ◽  
Vol 6 (05) ◽  
Author(s):  
LE Thanh Tam ◽  
Nguyen Minh Chau ◽  
Pham Ngoc Mai ◽  
Ngo Ha Phuong ◽  
Vu Khanh Huyen Tran
Keyword(s):  
Financial Literacy ◽  
Commercial Banks ◽  
Banking Sector ◽  
Secondary Data ◽  
Legal Framework ◽  
Economic Sectors ◽  
Technological Revolution ◽  
Survey Results ◽  
Cyber Crimes

The technological revolution 4.0 brings great opportunities, but also cybercrimes to economic sectors, especially to banks. Using secondary data and survey results of 305 bank clients, the main findings of this paper are: (i) there are several types of cybercrimes in the banking sector; (ii) Vietnam is one of the top countries worldwide having hackers and being attacked by hackers, especially the banking sector. Three most common attacks are skimming, hacking and phishing. Number of cybercrime attacks in Vietnam are increasing rapidly over years; (iii) Vietnamese customers are very vulnerable to cybercrime in banking, as more than 58% seem to hear about cybercrimes, and how banks provide services to let them know about their transactions. However, more than 50% do not have any deep knowledge or any measures for preventing cybercrime; (iii) Customers believe in banks, but do not think that banks can deal with cybercrime issues well. They still feel traditional transactions are more secure than e-transactions; (iv) the reasons for high cybercrimes come from commercial banks (low management and human capacity), supporting environment (inadequate), legal framework (not yet strong and strict enough on cybercrimes), and clients (low level of financial literacy). Therefore, several solutions should be carried out, from all stakeholders, for improving the cybersecurity in Vietnamese banks. 

The Development of Rural People: Myths and Approaches (The Quaid-i-Azam Lecture)

1988 ◽  
Vol 27 (4I) ◽  
pp. 379-395
Author(s):  
Mahmood Hasan Khan
Keyword(s):  
Physical Environment ◽  
Human Condition ◽  
Government Policies ◽  
Rural Poor ◽  
Rural People ◽  
Underdeveloped Countries ◽  
Wage Rates ◽  
Underlying Causes ◽  
Productive Land ◽  
Major Factors

Most rural populations in underdeveloped countries are poor, no matter how one defines poverty. The rural poor are neither a homogeneous group, nor is the incidence of poverty equally distributed among them. They do, however, share the underlying causes of their poverty. Landlessness (or absence of productive land) and poor prospects of employment at low wage rates are among the major factors. In some regions, the natural and physical environment exacerbates the conditions of poverty, even if the poor have reasonable entitlements to land. The prospects of improved living conditions for the rural poor depend on many factors. The major ones seem to be (a) population growth, (b) technical progress, (c) markets, and (d) public policy environment. The contribution of each of these factors is not easy to identify, because they act on the human condition in an interdependent and complex way. In most underdeveloped countries, the forces of market and government policies tend to work against the rural poor.

Norman Uphoff, Milton J. Esman and Anirudh Krishna. Reasons for Success: Learning from Instructive Experiences in Rural Development. New Delhi: Sage Publications, 1998. Paperback. Indian Rs 250.00. 233 pages.

1998 ◽  
Vol 37 (3) ◽  
pp. 305-307
Author(s):  
Afia Malik
Keyword(s):  
Quality Of Life ◽  
Economic Growth ◽  
Rural Development ◽  
Natural Resources ◽  
New Delhi ◽  
Rural Poor ◽  
Neoclassical Model ◽  
Rural People ◽  
Small Holders

Given the demographic realities in the developing world, it is not possible to solve the problems of poverty in these countries following the neoclassical model of economic growth. Since the majority of people are ruralites in these countries, the focus should be on rural development directly rather than on waiting for the benefits to trickle down to the rural poor. What is needed is to improve the quality of life and productivity of the small-holders or landless whose livelihood is based on natural resources which are depleting and require urgent attention. More options should be available for the rural people in their own area.

Investigating Occupation Wise Perception of Customers Towards Access to Cooperative Banking Services

2016 ◽  
Vol 4 (1) ◽  
Author(s):  
Neetu Andotra ◽  
Tarsem Lal
Keyword(s):  
Secondary Data ◽  
Principal Component ◽  
Himachal Pradesh ◽  
Primary Data ◽  
Varimax Rotation ◽  
Banking Services ◽  
Banking Service ◽  
Total Data ◽  
Cooperative Banks ◽  
Secondary Information

The present paper aims at investigating the occupation-wise perception of customers towards access to cooperative banking services. The study is both expressive and evaluative in nature. In order to investigate the perception of customers towards access to cooperative banking services, both primary and secondary data has been collected. The primary data have been collected from 540 customers of cooperative banks operating in three northern states of India i.e J&K, Himachal Pradesh, and Punjab. The technique of factor analysis has been used through SPSS (version 17.00) with Principal Component Analysis along with varimax rotation for summarisation of the total data into minimum factors. Secondary information was collected from published sources i.e books, journals, files, cooperative bulletins, organizational reports, annual drafts of Planning and Statistical Department (Government of J&K, Himachal Pradesh, and Punjab), RBI reports, magazines, and Internet. ANOVA has been applied for data analysis. The results of the study shows that there exits significant means difference between perception of customers towards access to Cooperative banking service.

scholarly journals The Impact of Brand Equity on Conversion Behavior in the Use of Personal Banking Services: Case Study of Commercial Banks in Vietnam

2021 ◽  
Vol 14 (8) ◽  
pp. 346
Author(s):  
Thi Thu Cuc Nguyen
Keyword(s):  
Brand Equity ◽  
Commercial Banks ◽  
Structural Equation ◽  
Quantitative Research ◽  
Negative Impact ◽  
Banking Services ◽  
Quantitative Research Methods ◽  
Two Factors ◽  
Customer Services ◽  
The Impact

The brand equity of banks plays a crucial role in determining customer behavior of using their services. The study aims to examine the impact of brand equity on conversion behavior in the use of personal banking services at commercial banks in Vietnam. The paper uses quantitative research methods, through linear SEM (Structural Equation Modelling) analysis, with survey data including 554 samples of individual customers of commercial banks. The study’s findings show that the bank’s brand equity has a negative impact on the behavior of individual customers. In the relationship between these two factors, competitive advertising effectiveness and loyalty of customers act as intermediary factors. On that basis, the study makes a number of recommendations to preclude customers leaving and minimize business losses caused by the conversion of customers’ banks. The findings of this study have shown the importance and impact of brand equity on conversion behavior in the use of personal customer services. These are meaningful contributions both theoretically and practically to help banks get a deeper insight into brand equity and the need to pay attention to building and developing sustainable brand equity for the bank, as well as an important basis for further research.

Analisis Kinerja Keuangan Bank Umum Syariah Melalui Pendekatan Islamicity Performance Index

2021 ◽  
Vol 7 (2) ◽  
Author(s):  
Safaah Restuning Hayati ◽  
Mutiah Hanifah Ramadhani
Keyword(s):  
Financial Performance ◽  
Commercial Bank ◽  
Performance Index ◽  
Commercial Banks ◽  
Secondary Data ◽  
Sampling Technique ◽  
Descriptive Research ◽  
Index Approach ◽  
Principles Of Justice ◽  
Quantitative Descriptive

This study aims to determine how the financial performance of Islamic commercial banks in Indonesia through the islamicity performance index approach for the period 2013-2017, by the principles of justice, halalness, and purification. This study using quantitative descriptive research. The number of banks sampled are five Islamic commercial banks in Indonesia that have been selected, through a purposive sampling technique first. These banks are BRI Syariah, BNI Syariah, Mandiri Syariah, BCA Syariah, and Victoria Syariah. The type of data used is secondary data taken from the financial statements of each islamic commercial bank that is sampled. Through the islamicity performance index approach, the results of this study indicate that the financial performance of islamic commercial bank is unsatisfactory, based on the average of the variables that have been processed in accordance with predicate valuation standards.

THE EFFECT OF THE SHARIA SUPERVISORY BOARD AND THE BOARD OF COMMISSIONERS ON THE FINANCIAL PERFORMANCE OF SHARIA COMMERCIAL BANKS IN INDONESIA

2021 ◽  
Vol 3 (1) ◽  
pp. 60-73
Author(s):  
Ahmad Fauzul Hakim Hasibuan ◽  
Fuadi Fuadi ◽  
Angga Syahputra
Keyword(s):  
Data Analysis ◽  
Financial Performance ◽  
Commercial Banks ◽  
Supervisory Board ◽  
Secondary Data ◽  
Sampling Technique ◽  
Islamic Banks ◽  
Purposive Sampling ◽  
Islamic Bank

This study aims to determine the influence of the Sharia Supervisory Board and the Board of Commissioners on the Financial Performance of Islamic Banks in Indonesia. This study used secondary data from 12 banks.The sampling technique used is the purposive sampling technique. The method of data analysis used is multiple linear regression.The results partially show that the sharia supervisory board and board of commissioners positively and significantly influence the financial performance of Islamic banks in Indonesia. Simultaneously,the board of commissioners and the sharia supervisory board positively and significantly influence the financial performance of Islamic bank

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