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Tuesday, February 12, 2019

Gauhati University Question Papers: MICRO CREDIT INSTITUTIONS (May-June’ 2014)

Gauhati University Question Papers
MICRO CREDIT INSTITUTIONS (May-June’ 2014)
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 multiple choices given against each:                       1x5=5

a)      “Rural financial services do not include credit for consumption purposes.” This statement is –
1)            True.
2)            False.
b)      Micro Credit refers to –
1)            Small loans.
2)            Small savings.
3)            Micro insurance.
4)            All of the above.
c)       MGNREGA is associated with –
1)            Housing.
2)            Wages.
3)            Skill development.
4)            Social pension.
d)      NGO-MFIs are registered under –
1)            Trust Act, 1882.
2)            Societies Registration Act, 1860.
3)            Section 25 of Indian Companies Act.
4)            All of the above.
e)      Which type of agricultural finance is provided by the NABARD?
1)      Short-term loans.
2)      Medium term loans.
3)      Long-term loans.
4)      All of the above.
2. Answer the following questions in about 30 words each:                          2x5=10
a)      Define microfinance.
b)      What do you mean by rural environment?
c)       Mention any two principles of cooperation.
d)      What is rural indebtedness?
e)      State any three rural development programmes sponsored by the Government of India.
3. Answer any five of the following in about 150 words each:                                      5x5=25
a)      Discuss the basic functions of NABARD.
b)      State the important features of rural economy in India.
c)       Briefly narrate the role of Regional Rural Banks in meeting rural credit needs.
d)      Discuss the salient features of Grameen Joint Liability group Model of micro lending.
e)      Explain the benefits of microfinance.
f)       Write a note on the structure of Cooperative banks in India.
g)      Discuss on the problems of Self Help Groups in India.
4. Answer the following in about 600 words each:
(a) What are the key principles of microfinance? Discuss.                                              10
Or
Explain the role of Self Help Groups in rural development. Are you satisfied with their achievement till date? Examine. 6+4=10
(b) Discuss the role played by the Reserve Bank of India in extending and regulating rural finance.            10
Or
Illuminate the role of NEDFI in providing rural finance in the North Easter Region of India.             10
(c) Discuss the functions and performance of Assam Gramin Vikash Bank.                            10
Or
Describe the structure of Regional Rural Banks in India. Do they need any restructuring? Discuss.        6+4=10
(d) Highlight the important features of any two rural development programmes initiated by the Government of India. 6+4=10
Or
Make a critical assessment on the success and achievement of MGNREGA.

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