205 (F): Micro Credit
Institutions
Total Marks = 80
Unit-I: Micro
Finance Approach 20
Micro Finance
-meaning and concept, significance, basic features. Emerging micro finance
institutions, its role in rural development, Formation of NGO-Self Help Group
(SHG)- definition, objectives and salient features, Types of NGOs, Merits and
demerits, Role of SHG in rural development, SHG linkage with rural banking and
emerging trends in rural finance, Models of micro finance.
Unit-II: R.B.I.
and Rural Finance 20
RBI- its role in
policy formation towards rural credit, need and policy for rural finance.
Coordinating role of RBI among different financial agencies in India. RBI’s
regulation of money lending activities for rural sector. Regulatory role,
NEDFI, RGBN, their role in micro finance.
Unit-III :Present
Structure of Institutional Finance for Rural Development 20
NABARD –
historical background, its role and activities in rural finance, SBI and its
role in rural finance, Commercial bank and rural finance, Regional Rural Banks
(RRB)- their salient features and role in rural development. Changing scenario
of RRBs –reorientation of RRBs; functions of Assam Gramin Vikash Bank.
Unit-IV: Rural
Development Approach 20
Rural
development-meaning and definition, emerging trends in rural development
programmes in India. Different rural development
programmes-REGP,PMRY,NREGA-their role in rural development. Peoples’
participation and involvement of banks in rural development policies.
Government policies, for rural development, fiscal incentives.
Suggested Books:
Banking
in India-Panandikar (revised by Mithani)
N.G.O.-
Good Books Distributors Publishers, 31, Chowringhee Road, Kolkata-6.
Rural
Banking in India- S.S.M. Desai
Banking
and Financial System – Vasant Desai, Himalaya Publishing House
Theory
of Banking – S.V. Vasudevan, S. Chand & Co.
Micro-Finance:
Perspectives and Operations – Indian Institute of Banking and Finance, MacMillan
Publishers, New Delhi
Micro
Finance - Dr. Vinod Kumar, Laxmi Publications, New Delhi.
Monthly
Bulletins And Annual Reports of R.B.I.
Publications
of Indian Bank Association (I B A).
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