2 and 3 Tier Structure of Co-operative Credit (CC) in India: Current Status, Issues and Challenges

2018 ◽  
Vol 7 (1) ◽  
pp. 57-62
Author(s):  
P. Selvaraju
Keyword(s):  
Financial Services ◽  
Current Trend ◽  
Current Status ◽  
Agricultural Credit ◽  
Reserve Bank ◽  
Grass Root ◽  
Grass Root Level ◽  
Banking Structure ◽  
The Rich ◽  
Credit Structure

Co-operative banks in India have come a long way since the enactment of the Agricultural Credit Co-operative Societies Act in 1904. The century old co-operative banking structure is viewed as an important instrument of ba62nking access to the rural masses and thus a vehicle for democratization of the Indian financial system. Co-operative Banking is an agency which, in the words of Henry Wolff , “is in a position to deal with small man on its terms, accepting his security he has and without drawing on the protection of the rich, that the agency must not be channel for pouring charity or subsidizing the small man out of the public funds, instead, the material help must be backed by moral improvement and strengthening of the fiber”. Today, short term co-operative credit structure has 32 state co-operative banks and 371 district central co-operative banks operating through 14907 branches. There were 92,996 Primary Agricultural Credit Societies (PACS) as on March 31, 2014 at the grass root level catering to the credit requirements of the members but also providing several non-financial services like input supply, storage and marketing of produce, supply of consumer goods, etc. The journey has not been smooth for the co-operative banking structure. This analysis has been made based on the various data given by Reserve Bank of India (RBI) to trace out the current trend of the co-operative credit institutions also includes the issues and challenges of the two and three tier credit structure of co-operative credit.

scholarly journals WOMEN & EQUALITY IN WESTERN ODISHA: THE GROUND REALITY.

2021 ◽  
pp. 5-6
Author(s):  
Binita Panda
Keyword(s):  
State Government ◽  
Real World ◽  
The State ◽  
Current Status ◽  
Indian Constitution ◽  
Men And Women ◽  
Legal Provisions ◽  
Grass Root ◽  
Grass Root Level ◽  
Independent Life

The 21 century is well-known for its advancement and development in every aspect.Similarly it cannot be ignored that st everywhere one strong belief has been established that women are equal with men. No doubt women are being empowered and have proven themselves in the higher position in different sectors. There are provisions for the promotion and protection of women's rights in UDHR, several international covenants, Indian constitution, and in the various schemes enunciated by the state government at the local or grass root level too. But in real world, are women actually treated equally with men in every field? Whether the legal provisions are been actually practiced? Are they leading a free and independent life as their counterparts? Are they enjoying equality with their men folk? Are these legal provisions really helping them? All the above questions remained unanswered. In this regard this paper analyses the provisions guaranteed by the Indian constitution providing equality both for men and women i.e.Right to equality with its ground reality.To answer the above questions it discusses the current status and position of women in western Odisha.

scholarly journals MEASURING THE EFFICIENCY IN LENDING OPERATIONS OF STATE CO-OPERATIVE BANKS IN INDIA

2021 ◽  
Vol 9 (1) ◽  
pp. 1353-1358
Author(s):  
Devi Sekhar R, Dr. Sony Vijayan
Keyword(s):  
Rural Population ◽  
The State ◽  
Financial Assistance ◽  
Credit System ◽  
Agricultural Credit ◽  
Remote Areas ◽  
Reserve Bank ◽  
National Bank ◽  
Credit Structure ◽  
Reserve Bank Of India

Co-operatives are member driven and democratic in nature and played a pioneering role in providing agricultural credit to a very large rural population, especially in remote areas. The State Co-operative Banks (SCBs) are the apex level co-operative credit institutions and play a significant role in the functioning and growth of the co-operative credit structure in the respective states. Financial assistance from Reserve Bank of India and National Bank for Agriculture and Rural Development (NABARD) are mainly routed through the state co-operative banks and hence they have to ensure efficiency in their lending operations. The study has used the benchmarking technique DEA and revealed higher deviations in efficiency scores among state co-operative banks. The problems and challenges of SCBs differ from state to state. Hence in every state, the management and the regulating authorities should work on transforming the co-operative credit system into a viable and self- sustaining system by identifying and addressing their core inefficiencies.

scholarly journals Awareness of Farmers about the Primary Agriculture Credit Societies (With Special Reference of Uttar Pradesh and Uttarakhand)

2021 ◽  
Vol 11 (3) ◽  
Author(s):  
Damini Goswami ◽  
Mayank Jindal
Keyword(s):  
Special Reference ◽  
Rural Areas ◽  
Uttar Pradesh ◽  
Basic Unit ◽  
Credit System ◽  
Agricultural Credit ◽  
Village Level ◽  
Grass Root ◽  
Grass Root Level ◽  
The Village

Primary Agriculture Credit Society is a basic unit and smallest cooperative credit institution in India. It works on the grass-root level (gram panchayat and village level). Primary Agriculture Credit Society is formed at the village or town level. It is the old cooperative credit system of India. Primary Agriculture Credit Society was designed to be a village-level credit society into which the farmers brought in share capital, deposits, and provide loans to each other. This study aims to assess the Awareness of Farmers about the Primary Agricultural Credit Societies with Special Reference to Uttar Pradesh and Uttarakhand. 58% of farmers know about primary agriculture credit societies and this study will useful for the rural areas policymakers and this study will also useful for many other stakeholders.

New Grounded Feminist Approach to Islam in Indonesia: A Textual Analysis of Rahima and Fahmina’s Publications

2020 ◽  
Vol 2 (1) ◽  
pp. 25-52
Author(s):  
Nina Nurmila
Keyword(s):  
Migrant Workers ◽  
Textual Analysis ◽  
Dominant Male ◽  
Young Generation ◽  
Feminist Activism ◽  
Government Organizations ◽  
Violent Extremism ◽  
Grass Root ◽  
Grass Root Level ◽  
Nahdlatul Ulama

This article aims to offer a textual analysis of Rahima and Fahmina’s publications. Rahima and Fahmina are two Non-Government Organizations founded in 2000 by a young generation of Nahdlatul Ulama (NU), one of the largest moderate Muslim organizations in Indonesia. There are more similarities than differences between Rahima and Fahmina because the persons involved in the organizations are close friends and, in fact, the same persons even though both are based in two different cities. Since their foundation, both Rahima and Fahmina have published many books and magazines. This article argues that both Rahima dan Fahmina publications offer a new grounded feminist approach to Islam, which counterbalance the dominant male-biased normative approach to Islam in most Muslim societies. These publications are based on their feminist activism and community engagement with the grass-root level of many Nahdlatul Ulama pesantrens (Islamic boarding schools). The topics of their publication cover many current issues such as fiqh of women’s reproductive rights and empowerment, fiqh of the daily life of migrant workers, fiqh of anti-trafficking, prevention of child marriage, violent extremism and religious pluralism. As a result, the progressive nature of their publications negates the existing label of NU as the traditionalist organization.

Child Abuse Control Centers: A Project for the Academy?

PEDIATRICS ◽  
1970 ◽  
Vol 45 (5) ◽  
pp. 894-895
Author(s):  
Jacob Brem
Keyword(s):  
Child Abuse ◽  
Good Deal ◽  
Battered Child Syndrome ◽  
Battered Child ◽  
Child Syndrome ◽  
Grass Root ◽  
Grass Root Level ◽  
Social Agencies

A good deal of literature on child abuse has accumulated since Kempe and his group first described the "Battered Child Syndrome."1 Enlightened laws have been passed in the various states and management transferred from the police into the hands of social agencies. Furthermore, the reporting physician was protected from libel. However, at the grass root level, conditions are far from ideal. Physicians are unfamiliar with the various laws and are reluctant to report for fear of getting involved in unpleasant situations.

scholarly journals Urban fire risk control: House design, upgrading and replanning

2018 ◽  
Vol 10 (1) ◽  
Author(s):  
Isabela Wilfred Mtani ◽  
Elinorata Celestine Mbuya
Keyword(s):  
Structural Characteristics ◽  
Real Life ◽  
Fire Risk ◽  
Fire Disaster ◽  
Grass Root ◽  
Grass Root Level ◽  
House Design ◽  
Fire Accidents ◽  
And Coping ◽  
Dar Es Salaam City

Urbanisation leads to house densification, a phenomenon experienced in both planned and unplanned settlements in cities in developing countries. Such densification limits fire brigade access into settlements, thereby aggravating fire disaster risks. In this article, we assess the fire exposure and risks in residences in informal areas of Mchikichini ward, in Dar es Salaam City, Tanzania. We rely on interviews of residents and government officials to obtain background on the occurrence and causes of fire accidents, policy provisions and regulations, and experiences with fire outbreaks and coping strategies, as well as on observations and measurements of house transformations, spatial quality and indoor real life. Our findings suggest that fire risks arise from both inappropriate structural characteristics and unsound behavioural practices. This includes unsafe electric practices by residents, poor capacity of residents to fight fires once started, limited access to structures by firefighting equipment because of flouting of planning regulations and inadequate awareness of local government leaders of the magnitude of fire risks. Potential changes to reduce fire risks in the settlement include the installation of firefighting systems, restriction of cooking to designated spaces, use of safer cooking energy sources and lighting means, improvements of vehicle access routes to neighbourhoods, capacity building at the grass root level and the establishment of community-based fire risk management.

scholarly journals Status, Appropriate Sampling Scheme, and Movement in the Tiger Salamander (Ambystoma tigrinum) in Yellowstone National Park

2002 ◽  
Vol 26 ◽  
pp. 80-81
Author(s):  
Charles Peterson ◽  
Stephen Spear
Keyword(s):  
Spatial Scale ◽  
Average Distance ◽  
Current Trend ◽  
Amphibian Declines ◽  
Current Status ◽  
Ambystoma Tigrinum ◽  
Terrestrial Habitat ◽  
Amphibian Species ◽  
Core Habitat ◽  
Breeding Pond

Due to the current trend of amphibian declines (Wake 1998, Alford and Richards 1999, Semlitsch 2000), the monitoring and study of amphibian populations has become increasingly necessary. To properly do such studies, we must consider several issues. Some of these include the detectability of the species at a site, current status of the population, and the spatial scale for sampling of a population. Determining the detectability of a species is important to consider because some amphibian species may have different difficulties of detection. Therefore, if a species is difficult to observe, it may occupy a greater number of sites than a survey indicates (MacKenzie et al. 2002). The appropriate spatial scale is also important for monitoring studies. For example, in a pond breeding amphibian, do one or two breeding ponds with the appropriate terrestrial habitat constitute the correct sampling area for a population, or does a population utilize multiple ponds within a larger terrestrial area? If the sampling scale is not appropriate, then any conclusions made may be inaccurate (Wiens 1989). In addition, understanding the terrestrial habitat use of pond breeding amphibians is important for both monitoring and conservation reasons. Many pond-breeding amphibians use the ponds for breeding and then utilize terrestrial zones around the pond for the rest of the year. The total area that is encompassed by these terrestrial zones is known as the terrestrial "buffer zone" or core habitat area for that population (Semlitsch 1998). To identify these core habitat areas, we must know not only the distance that the amphibians physically move from the breeding pond, but also the type of habitat that they will use. For example, short, steep slopes or rivers can serve as a barrier to amphibian movement (Laan and Verboom 1990, Storfer 1999), even if they are within the movement range of a population. Understanding individual movement may also give insights into the spatial population structure of the species. If we can identify the average distance of movement, we can then extrapolate if a breeding pond is likely to have an isolated subpopulation based on its distance from other ponds.

scholarly journals PROPERTY-SYNDICATION INVESTMENT V PROPERTY SCAM: WHO DECIDES? A CRITICAL EXAMINATION OF THE REGULATION OF PUBLIC-PROPERTY SYNDICATION SCHEMES IN SOUTH AFRICA

Obiter ◽  
2021 ◽  
Vol 34 (2) ◽  
Author(s):  
Tanya Woker
Keyword(s):  
Financial Services ◽  
Essential Element ◽  
Critical Examination ◽  
Investment Portfolio ◽  
Public Property ◽  
Reserve Bank ◽  
Investment Opportunities ◽  
Full Picture ◽  
Vulnerable Consumers ◽  
The Individual

Building an investment portfolio is an important part of saving for retirement. This not only benefits the individual concerned but it also has benefits for the economy as a whole. Investment in property is regarded as an essential element of an investment portfolio and many investors have over the years invested in public-property syndications. Unfortunately such investments have proved to be very risky and there have been some spectacular failures with severe consequences especially for elderly, vulnerable consumers. There is a need to ensure that all investment opportunities are properly regulated and different aspects of property syndications are regulated by different regulators including the Reserve Bank, the Department of Trade and Industry, the newly established Consumer Commission and the Financial Services Board. There seems to be some confusion amongst regulators over which entity is ultimately responsible for ensuring that such investments are sound and reliable and that consumers can have faith that they are not investing in a scam. The fact that no one regulator is responsible for overseeing the full picture is problematic because it enables the unscrupulous to slip under the radar and avoid detection. This paperseeks to consider the question of which regulator is or should be responsible for regulating public-property syndications and to make some suggestions for reform going forward.

scholarly journals Impact of the Informal Institutional Forces on the Local Government Elections in Khyber Pakhtunkhwa, Pakistan

2017 ◽  
Vol 1 (1) ◽  
pp. 62-70
Author(s):  
Niaz Ahmad ◽  
Abida Bano ◽  
Ashfaq Rehman
Keyword(s):  
Local Government ◽  
Good Governance ◽  
Local Level ◽  
Local Elections ◽  
Formal Institutions ◽  
Political Awareness ◽  
Khyber Pakhtunkhwa ◽  
Institutional Forces ◽  
Grass Root ◽  
Grass Root Level

Local government is visualised as a tool for promoting political participation, downward accountability, which consequently leads to the establishment of good governance at the grass-root level. In the establishment of the local government system, the main ingredients of good governance, such as participation and downward accountability, reckon almost on the nature of elections. However, societies marked with strong cultural and socially embedded informal institutions, already existed from generations, hinder formal institutions to play its intended role. In Pakistan, some socio-cultural features like gender, ascribed status, and economic background of the individuals influence the entire process of elections adversely. This paper attempts to assess the processes of the local government elections in District Karak, Khyber Pakhtunkhwa Pakistan. It aims to highlight the deterministic role of other informal institutional forces that affect the outcome of local elections. It investigates, how the process of local government elections is influenced in Pakistan and how do people decide whom to vote for in these elections. The study argues that policymakers should work on strengthening the formal institutions of elections through measures such as monitoring by media, referendums, auditing, evaluations, education, and political awareness as alternatives to ensure good governance at the local level in Pakistan.

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