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Tuesday, February 12, 2019

Gauhati University Question Papers:MICRO CREDIT INSTITUTIONS (May-June’ 2012)

Gauhati University Question Papers
Full Marks: 80
Time Allowed: 3 hours
Answer either in English or Assamese
The figures in the margin indicate full marks for the questions
1. Select the most appropriate answer from the choice given against each:                                                                                                                                                            1x10=10
a)      Money lenders usually calculated interest rates on _____ basis.
1)      Flat rate.
2)      Floating rate.
3)      Both (a) and (b).
4)      None of the above.
b)      Loan Brokers who undertake to obtain bank loans in their names for a fee knows as –
1)      Pawn brokers.
2)      Piggy-back intermediaries.
3)      Shroffs.
4)      None of the above.
c)       NREGA provides guarantee for _____ days of guaranteed employment to one members of rural household.
1)      50.
2)      75.
3)      100.
4)      None of the above.
d)      The Grameen Bank Model developed by Prof. Yunus was initiated in _____.
1)      Bangladesh.
2)      Pakistan.
3)      Srilanka.
4)      India.
e)      In some of the Indian states, the poverty population rate is higher in urban areas as compared to rural areas. This statement is –
1)      True.
2)      False.
f)       The rate of interest change by Micro Financial Institutions is higher than the interest rate charged by commercial banks. This statement is –
1)      True.
2)      False.
g)      Which of the following is/are regulatory bodies in rural finance?
1)      RBI.
2)      NABARD.
3)      Both (a) and (b).
4)      SBI.
h)      NABARD can provide refinance facilities to –
1)      State Cooperative Banks.
2)      Regional Rural Banks.
3)      Commercial Bank.
4)      All of the above.
i)        Which of the following laws do not regulate MFIs in India?
1)      Reserve Bank of India Act 1934.
2)      Banking Regulation Act, 1949.
3)      Companies Act, 1956.
4)      None of the above.
j)        Which of the following is not a rural development programme?
1)      SGSY.
2)      SJSRY.
3)      NREGA.
4)      None of the above.
2. Answer the following in about 50 words each:                                               2x5=10
a)                  What is micro finance?
b)                  What do you mean by human poverty index?
c)                   State the basis purpose of federated self help groups?
d)                  What do you mean by economically active poor?
e)                  State the meaning of financial inclusions.
3. Answer any four of the following in about 150 words each:                                     5x4=20
a)      Justify the need of micro finance in India.
b)      Briefly state the organisational structure of Assam Grameen Vikash Bank.
c)       What are the salient features of self Help Group?
d)      Write a short note on any one NGO engaged in providing rural finance.
e)      State the need for regulating MFIs in India.
f)       What is SHG-bank-linkage model?
4. Is micro finance different from micro-credit? Discuss their role in poverty eradication.                               5+5=10
What are the various micro finance models? Discuss their special features.                      5+5=10
5. Make a critical assessment of RBI’s policy on rural development.                                          10
What are the functions of NEDFI? Write a note on its development activities in the North East India?  5+5=10
6. Explain the need for Regional Rural Banks. What are their distinguish features?                             5+5=10
Discuss the functions and progress of NABARD.                             5+5=10
7. Discuss the important features of NREGA and its role in rural development.                    5+5=10
Critically examine the role of banks in the rural development of our country.


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