105 (F): Rural and Micro
Finance
Total Marks = 80
(Four Units)
Unit-1: Rural Environment 20
Environment-definition,
ideas of rural environment, meaning of rural environment, composition and
characteristics of rural economy in India- comparison with urban, Place of
agriculture in Indian economy, population structure in India. Forest resources
in India with special reference to NE India.
Unit-II: Rural
industries 20
Meaning and
definition - its role in Indian economy, different forms of rural industries-
cottage and village industries, agro processing, handicrafts, hadlooms etc,
their problem and prospects, government policy for rural industries;
Urban-rural linkage and inter-dependence. Concept of micro finance in rural
areas; forms and types of micro credit
Unit-III: Rural
Finance-its Sources 20
Sources of rural
finance; institutional sources, private sources, private money lenders; Rural
indebtedness-Nature, causes, consequences, extent and magnitude of rural
indebtedness, solution to the problem of rural indebtedness, Government
policies. Ideas and problems of rural credit survey, pre and post independence
rural credit survey of India. Indigenous banker and money lender- historical
background, their types, distinction and practices, their role in providing
rural credit. RBI Policy on rural credit, bank credit to rural sector.
Unit-IV:
Co-operation 20
Origin of
co-operative movement, meaning and philosophy of co-operation. Co-operative
movement in India, its weaknesses and different forms. Agencies for short and
long term agricultural finance- FSS, PACCS, GPSS, LDB, NABARD, and their role
in rural development.
Suggested
Books:
Rural
Banking in India- S.S.M. Desai
Rural
Banking in India -edited by Tokhi & Sharma
S.H.G.
Resource Hand Book -NABARD, Assam Regional Office, Guwahati
Rural
Economics ( A survey of Indian Economy)- T.N. Chabra & P.L.Taneja
Rural
industrialization-Bipin Behari
A
tract on Money- R.N. Mitra & H. Roy
Rural
and Agricultural Banking – P.S.Grewal
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