Статті в журналах: "Regional rural banks"

1

Alamelu, K., and A. Devamohan. "Regional Rural Banks." Indian Economic Journal 58, no. 1 (April 2010): 153–64. http://dx.doi.org/10.1177/0019466220100110.

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2

Ahmed, Jaynal Ud-din. "Performance Evaluation of Regional Rural Banks: Evidence from Indian Rural Banks." Global Business Review 16, no. 5_suppl (September 22, 2015): 125S—139S. http://dx.doi.org/10.1177/0972150915601259.

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3

Tiwary, Bind Kumar. "Achievement Evaluation Of Regional Rural Banks In India." Indian Journal of Applied Research 1, no. 11 (October 1, 2011): 78–81. http://dx.doi.org/10.15373/2249555x/aug2012/27.

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4

Reddy, A. Sudarshana, and A. Padmavathi A. Padmavathi. "Growth and Performance of Regional Rural Banks in India." International Journal of Scientific Research 2, no. 11 (June 1, 2012): 119–20. http://dx.doi.org/10.15373/22778179/nov2013/39.

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5

Madya, Irsyad Sirajuddin Bintar, Ghozali Maskie, and Nurul Badriyah. "Determinants of Regional Owned Rural Banks Efficiency Level in Indonesia." Journal of International Conference Proceedings 5, no. 2 (August 1, 2022): 249–59. http://dx.doi.org/10.32535/jicp.v5i2.1689.

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The efficiency level of regional owned rural banks is one of the determinants in measuring financial performance each year. In term of local government, the measurement of the level of efficiency can be used in determining strategic policies for the development of regional owned rural banks, especially in capital participation and collaboration with fintech lending. Measuring the level of efficiency with input and output variables with 160 regional owned rural banks in Indonesia in 2020 by purposive sampling with the Data Envelopment Analysis (DEA) method, 66 regional owned rural banks are found in efficient conditions. Analysis using logistic regression is used to analyze the tendency of the factors that determine the efficiency level of regional owned rural banks in Indonesia. This study found that Equity to Total Asset Ratio (EAR) and Total Assets had a positive and significant effect, while Non-Performing Loans (NPL) and Loan to Deposit Ratio (LDR) factor has no significant effect on the efficiency level of regional owned rural banks in Indonesia. Therefore, in improving the performance of regional owned rural banks in Indonesia, it is necessary to have the role of local governments in capital participation and discipline in the disbursement of funds selectively to debtors.

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6

Revankar, Ashok. "REGIONAL RURAL BANK’S FOUR AND A HALF DECADE JOURNEY." GAP iNTERDISCIPLINARITIES - A GLOBAL JOURNAL OF INTERDISCIPLINARY STUDIES 3, no. 3 (July 28, 2020): 45–51. http://dx.doi.org/10.47968/gapin.33008.

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Regional Rural Banks have been conceived mainly for meeting the requirements of ruralites and to uplift them by providing necessary timely financial assistance. The regional Rural banks appeared in the Indian banking map with a number of objectives. In spite of their success and failure, these banks definitely tried to reach the rural mass. These banks which emerged as new species in the arena of Indian banking system have done a good work and have to travel a long way by facing many challenges. In the process of rural development certainly Regional Rural Banks are playing crucial role. Their existence is necessary, and they have to come out with strong, viable institutions in the days to come.

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7

Mr. P. Venkateswara Rao et al.,, Mr P. Venkateswara Rao et al ,. "Role of Regional Rural Banks in India." International Journal of Mechanical and Production Engineering Research and Development 10, no. 3 (2020): 10949–56. http://dx.doi.org/10.24247/ijmperdjun20201048.

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8

Sangeeta Sharma et al.,, Sangeeta Sharma et al ,. "Regional Rural Banks, Microfinance and Women Empowerment." International Journal of Agricultural Science and Research 7, no. 4 (2017): 251–56. http://dx.doi.org/10.24247/ijasraug201731.

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9

ur Rehman, Anis. "Innovation and Management by Regional Rural Banks in Achieving the Dream of Financial Inclusion in India: Challenges and Prospects." Marketing and Management of Innovations, no. 1 (2020): 222–34. http://dx.doi.org/10.21272/mmi.2020.1-18.

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The Regional Rural Banks are government-owned, regionally based and rurally oriented financial institutions specialized in catering to the credit needs of the neglected and weaker sections of the society. In the recent past, RRBs have become a potent mediator for financial inclusion in rural areas. This paper summarizes the innovative methods used by the employees of these banks in deposit mobilizations, credit expansion and recovery of the loan. The primary purpose of the research is to find the problems faced by officials of these banks in marketing their services to the rural customer. The opinions of these bank officials regarding the above factors and the functioning of these banks and their impact on society have also been studied. For this purpose, a sample of 96 bank officials of Aryavart bank and Purvanchal Bank have been taken from the rural areas of Uttar Pradesh. Methodological tools of the research methods were Frequency and Chi-square test of independence which have been used to test the hypotheses developed in the study. The research empirically confirms and theoretically proves that the employees and staff of these two regional rural banks in the state are making their earnest effort to channelize the savings of rural people by mobilization of deposits by motivating them to deposit their surplus money in the regional rural banks. The bank officials are making efforts to extend credit facilities in rural areas to uplift the people economically. The bank officials are facing problems in deposit mobilization, and credit expansion in the rural areas of the state and they are managing these problems very efficiently. Some political interference was found in the functioning of these banks. In the opinion of these bank officials, the overall working of these regional rural banks is proper. The results of the research can be useful for policymakers in the government to understand the hurdles faced by regional rural banks in reaching to the poor and needy sections of the society. The insights from this paper can help the policymakers to craft innovative schemes which enable these banks to reach the most inaccessible customers in rural areas. Keywords Regional Rural Banks, deposit mobilizations, credit expansion, financial inclusion, loan recovery.

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10

Koner, Santosh. "Present scenario of regional rural banks in India." Journal of Commerce and Management Thought 8, no. 3 (2017): 639. http://dx.doi.org/10.5958/0976-478x.2017.00039.8.

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11

Ramakrishna, Dr. "NABARD: A Financial Inclusion through Regional Rural Banks RRB’s in India." International Journal of Trend in Scientific Research and Development Volume-2, Issue-2 (February 28, 2018): 257–61. http://dx.doi.org/10.31142/ijtsrd8341.

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12

D.BALAMUNISWAMY, D. BALAMUNISWAMY, and G. ERRAIAH G.ERRAIAH. "Role of Regional Rural Banks Finance to Weaker Sections of the Rural Society in India." Paripex - Indian Journal Of Research 3, no. 1 (January 15, 2012): 206–9. http://dx.doi.org/10.15373/22501991/jan2014/70.

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13

R, Sreedhara. "Editorial." Ushus - Journal of Business Management 14, no. 4 (January 1, 2015): v—vi. http://dx.doi.org/10.12725/ujbm.33.0.

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Ushus Journal of Business Management wishes all its readers a very happy new year. In this final issue of 2015, the journal carries four research articles and two case studies in marketing. The Indian banking system consists of 26 public sector banks, 25 private sector banks, 43 foreign banks, 56 regional rural banks, 1,589 urban cooperative banks and 93,550 rural cooperative banks.

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14

Bansal, Monika, and Sneha . "A Study on Indian Rural Banking Industry - Issues and Challenges." International Journal of Advance Research and Innovation 2, no. 2 (2014): 256–61. http://dx.doi.org/10.51976/ijari.221434.

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Rural banking in India started since the establishment of banking sector in India. Rural Banks in those days mainly focused upon the agro sector. Rural India contributes a major chunk to the economy every year. Today, commercial banks and Regional Rural Banks in India are touching every corner of the country and are extending a helping hand in the growth process of the rural sector in the country. To give this sector a stronghold on finance and to enable economic independence, rural banks have special offerings that extend credit facilities to small farmers, agricultural labors and cottage industry entrepreneurs.

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15

Rachmawati, Rima. "Relationship between accounting information systems implementation and corporate governance of rural banks in Indonesia." Diponegoro International Journal of Business 2, no. 1 (June 29, 2019): 10. http://dx.doi.org/10.14710/dijb.2.1.2019.10-17.

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The purpose of this paper is to examine the relationship between accounting information systems implementation and the governance of rural banks (bank perkreditan rakyat/BPR). Specifically, this study examines the effect of bookkeeping systems, financial reporting, budgeting systems, and IFRS for SMEs implementation on good corporate governance of rural banks. PLS-SEM wasemployed for data analysis to 145 rural banks registered in Regional Owned Bank Association of Central Java Indonesia. The results of data analysis found that bookkeeping systems, financial reporting and budgeting systems implemetation positively affectgood corporate governance of rural banks, while IFRS for SMEs implementation was not significantly affectgood corporate governance of rural banks.

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16

Kathawala, Anjum Mehtab, and Vinod Sharma. "A Study on the Performance of Regional Rural Banks in India." RESEARCH REVIEW International Journal of Multidisciplinary 6, no. 11 (November 12, 2021): 28–32. http://dx.doi.org/10.31305/rrijm.2021.v06.i11.005.

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Banking plays a vital role in the growth and development of developing countries like India. Banks lubricate the entire monetary and financial system and ensure smooth operations. Nearly 70%of the total of Indian population lives in rural areas. For the development of Indian economy, there is a need for the development of the rural areas. For the purpose of rural development, there is a need for the banking system in rural areas which provide credit at lower and at reasonable terms to the rural households unlike traditional moneylenders which exploit the rural people by providing loans at a very high interest rate which leads to rural people were unable to repay loans given by moneylenders and lost everything and also commit suicide. To avoid all those negative consequences, the government appoints a working group on rural credit, the narasimhan committee. On the basis of recommendations given by the narasimhan committee, regional rural banks were established. The main objective behind the establishment of these banks is the development of agriculture, trade, commerce, industry and other productive activities in the rural areas particularly in those areas where banking services does not exist and make available cheaper institutional credit to the weaker sections of the society. This research paper throws light on the need of banking system in rural areas and significant role played by banking system in the development of rural areas and discusses about the problem faced by regional rural banks in India and suggestions to overcome the problems. The main aim of this paper is to analyse the present level of financial performance of RRBs in India as on 31st march 2017 in comparison to 31st march 2016. This study is based on the secondary data collected from the annual reports of NABARD. This study finds and concludes that the RRBs play a very important role in the development of rural areas.

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17

Singh, Shailendra, and Megha Aggarwal. "Rational of consolidation of Regional Rural Banks in India." Effulgence-A Management Journal 17, no. 2 (July 1, 2019): 52. http://dx.doi.org/10.33601/effulgence.rdias/v17/i2/2019/52-62.

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18

Jorum, Tasleema M., and Sujata S. Mali. "Performance of Regional Rural Banks after Amalgamation in India: Progress and Prospects." Artha - Journal of Social Sciences 11, no. 3 (July 18, 2012): 1. http://dx.doi.org/10.12724/ajss.22.1.

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For the past three decades India's banking system has several outstanding achievements to its credit. The most striking is its extensive reach. It is no longer confined to only metropolitans or cosmopolitans in India. In fact, Indian banking system has reached even to the remote corners of the country. This is one of the main reasons for India's growth process. The government's regular policy for Indian banks since 1969 has paid rich dividends with the nationalization of 14 major private banks of India. Regional Rural Banks started their development process on 2 October 1975 with the formation of a single bank—Prathama Grameen Bank. The RRBs mobilize financial resources from rural/semi-urban areas and grant loans and advances mostly to small and marginal farmers, agricultural labourers and rural artisans. The area of operation of RRBs is limited to the area as notified by GoI covering one or more districts in the State. In this context, the present study is an attempt to examine the impact of amalgamation on physical performance of RRBs during post-amalgamation period.Keywords: Banking; Regional rural banks; Amalgamation; Profit and loss and economic development; NPAs and deposits.

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19

Jamal Wiwoho, Nugroho Saputro, Putra Pamungkas, Irwan Trinugroho, Moch. Doddy Ariefianto, and Francisca Sestri Goestjahjantie. "Rural Bank and Regional Economic Development: Evidence from Indonesia." International Journal of Business and Society 22, no. 2 (August 12, 2021): 818–27. http://dx.doi.org/10.33736/ijbs.3761.2021.

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This paper investigates the relationship between fund reallocation on economic growth and poverty by using 1860 rural banks. Our quarterly data allow us to merge bank-level data and province level-data from 2010-2016. We find that loan-to-deposit ratio as our proxy of intermediation function could boost economic development. Our non-linear regression shows that too much finance reduces regional GDP growth but, in the long term, could help to reduce poverty. Our results provide some important policy implications that rural banks could contribute to economic development in a good way but should be highly supervised in terms of risk and competition.

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20

Prof. Nisar Ahmed Mulla, Attaullah Niazi,. "Financial Performance of Selected Regional Rural Banks in Jammu and Kashmir- An Empirical Study." Turkish Journal of Computer and Mathematics Education (TURCOMAT) 12, no. 6 (April 5, 2021): 2338–44. http://dx.doi.org/10.17762/turcomat.v12i6.5282.

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Regional Rural Banks(RRBs) have been formed to serve rural areas with banking and other financial Services. These institutions were brought in the public domain through an ordinance passed by the then President of India in September 1975, with the intent of providing banking and credit facilities for the agriculture and other rural section of the society across the nation. They are key financing institutions at rural levels that provides agriculture credit in rural areas. RRBs have more access to rural areas and play a key role in strengthening the agriculture sector & rural development of India. The main objectives behind the formation of such type of vibrant institution in India was to established a link between the banks and rural households, especially in banking deprived areas. Moreover, to encourage rural savings, to generate employment opportunities, and to provide cheaper credit to the marginalised section in rural India. Presently, the RRBs are under great pressure and going towards financial distress (As revealed from studies). In this paper, an attempt has been made to study the financial performance of Selected Regional Rural banks (RRBs) of J&K by applying “CAMEL” Model approach. The finding of the study revealed that the performance of the J&K Grameen Bank(JKGB) and Ellaquai Dehati Bank(EDB) is not up to the mark.

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21

Goyal, Sahil. "E-BANKING, ITS GROWTH & FUTURE IN INDIA." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 04 (May 1, 2024): 1–5. http://dx.doi.org/10.55041/ijsrem32541.

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Businesses make investments in e-business and the technology that supports it. Applications for e-business, like supply chain management and customer relationship management, boost innovative product and service offers, strong customer relationships, and transaction efficiency and scope economies. Companies find it challenging to turn these advantages into revenues or economic value, though. Many enterprises that have started online have failed to generate profits. According to a 2001 AMR Research Inc. survey, businesses would continue to spend more on e- business even in a recession. At best, though, these investments have yielded a mediocre return. Conventional Banking To conduct standard banking functions including cash withdrawals, fund transfers, and account inquiries, clients must physically visit the bank's branch. However, clients using e-banking can complete these transactions 24/7 from the comfort of their homes or workplaces using desktops or laptops and electronic media. We call this banking—anytime, anyplace. Consumers don't need to wait in line, deal with tellers, deal with constrained banking hours—all they need to do is visit the bank's website to examine their account details and do transactions as needed. The Banking System in India Scheduled and non-scheduled banks were distinguished under the Reserve Bank of India Act, 1934. The Second Schedule of the RBI Act, 1934 lists scheduled banks, which include state co-ops, regional rural banks, and commercial banks (both foreign and Indian). The banks not listed in this schedule are considered non-scheduled. Three types of banks comprise India's organized banking system: co-ops, regional rural banks, and commercial banks. The Reserve Bank of India, the nation's highest monetary and financial body, is in charge of managing the banking sector. Banks for commerce, which have been in place for many years encourage urban savings and make them available to trading and industrial organizations for working capital needs. Commercial banks were divided into public sector banks, sometimes known as nationalized banks, and private sector banks after 1969.

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22

Tanmay Sarker. "Performance of RRBs in pre-Merger and post-Merger period." International Research Journal on Advanced Engineering and Management (IRJAEM) 2, no. 03 (March 16, 2024): 281–89. http://dx.doi.org/10.47392/irjaem.2024.0042.

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Regional Rural Banks are established under the provisions of an ordinance promulgated on 26th September, 1975 and the RRB Act, 1976 with an objective to ensure sufficient institutional credit for agriculture and other rural sectors. Reforms and mergers introduced by the Government of India in consultation with Reserve Bank of India (RBI) and National Bank of Agriculture and Rural Development (NABARD) in the year 1994-95 to 2005-06. So, there is a need to study the growth and financial performance of Regional Rural banks in India in pre-Merger & post-Merger period. The study is based on secondary data collected from annual reports of NABARD and RBI. In order to provide access to low-cost banking facilities to the poor rural banking in India was started. Rural banks in those days mainly focused upon the Argo sector. RRBs in India penetrated every corner of the country and extended a helping hand in the growth process of the country. This research aim is that to analyze the financial performance of RRBs before amalgamations and after amalgamations. As spread ratio comprises of Interest income earned and interest income expensed divided by total assets. The other financial indicators such as no. of RRBs, branches, district coverage, deposits and advances have shown growth but it is not significant growth. The Internal working group of the Reserve Bank of India (RBI) suggested that merger and amalgamation of Regional Rural Banks (RRBs) may help in improving their health and viability, even as it sought to bring in new banks both public and private as sponsors of the merged RRBs.

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23

Tigari, Harish, and M. G. Gaganadeepa. "Regional Rural Banks and Rural Development: A Case of Pragathi Krishna Gramin Bank." Shanlax International Journal of Economics 7, no. 2 (March 15, 2019): 68–74. http://dx.doi.org/10.34293/economics.v7i2.315.

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The rural banking is one of the important roles in rural development of our country, and the village economy is the backbone of the Indian economy. Without the development of the rural economy, the objective of economic planning cannot be achieved. Hence the Regional rural banks (RRBs) are plays a vital role in the rural development for the economy in India. The RRBs were established on October 2, 1975, with the main objective of a provisional credit to rural people who are not economically strong enough, especially the small farmers, artisans, agricultural laborers, and even small entrepreneurs. The present study is a modest attempt to rural credit structure and the role played by RRBs in the development of rural economy. The present research paper is designed in nature and makes use of secondary data. The relevant secondary data have been collected mainly through the articles, journals, books, and websites have been referred. This paper is to examine the rural credit structure in RRBs of Pragathi Krishna Gramin Bank. And this study is focused only on the specific area like loans and advances made by the RRBs for three years period of 2015-16 to the year 2017-18.

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24

Hartono, Sri, and Agus Sobari. "Sharia Maqashid Index as a measuring performance of Islamic banking: A more holistic approach." Corporate Ownership and Control 14, no. 2 (2017): 193–201. http://dx.doi.org/10.22495/cocv14i2c1p5.

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So far, measurements of financial performance of Islamic banking is still predominantly still used by indicators of financial performance of conventional banking system. Its implication, many stakeholders, especially customers of Islamic banks. For Moslems are difficulty in measuring the benefits of the existence of Islamic banking. It is clearly due measure of success of Islamic banking course will be very different from conventional banking successes. If the benchmarks used today is still conventional, the consequences will be contained incorrect results of performance comparison of Islamic banking and conventional banking. Thus, both of the banking system becomes irrelevant and less apt to be compared directly. The size of Islamic banking performance should not directly benchmarking with conventional banking. It must be linked to the objectives and the establishment of Islamic banking noble intentions, namely to provide human well simultaneously implement the principles contained in sharia maqashid. This research will try to practice the measurement of financial performance based Sharia Maqashid and use it to make comparisons between the performance of the national largest-scale of Islamic commercial banks and regional small-scale of Islamic rural banks (BPR Syariah). This study presented using data from the financial statements of the three Islamic commercial banks and three Islamic rural banks (BPR Syariah). The results showed that the performance of the national largest-scale of Islamic commercial banks and regional small-scale of Islamic rural banks (BPR Syariah), all of them, has no a Sharia Maqashid index whose high value. This shows the inconsistency, that should be, the national largest-scale of Islamic banking to always focus on the muamalah objectives according by sharia. From the comparison of financial performance based on sharia maqashid, it turns out the national large-scale of Islamic commercial banks tend to have a lower index of Sharia Maqashid than the regional small-scale of Islamic rural banks (BPR Syariah).

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25

Mehta, Mini, Deepak Sahni, and Suman Vij. "“Financial Inclusion through Regional Rural Banks (RRBs)”-Dream or Reality." Siddhant- A Journal of Decision Making 17, no. 4 (2017): 310. http://dx.doi.org/10.5958/2231-0657.2017.00037.4.

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Kharuri, Zahid Hassan, and T. Manjunatha. "A Study on Financial Inclusion in Indian Regional Rural Banks." Asian Journal of Management 9, no. 3 (2018): 1117. http://dx.doi.org/10.5958/2321-5763.2018.00178.6.

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Patnaik, B. Chandra Mohan, Ipseeta Satpathy, and Avinash Supkar. "Revamping regional rural banks through Odisha Gramin Bank: a study." International Journal of Economic Policy in Emerging Economies 7, no. 4 (2014): 327. http://dx.doi.org/10.1504/ijepee.2014.066624.

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Prananta, Widya, Yulianti Yulianti, and Anita Damajanti. "ANALISIS KOMPARASI KINERJA KEUANGAN BPR MILIK SWASTA DAN BPR MILIK PEMERINTAH DAERAH DI PROVINSI JAWA TENGAH PERIODE 2014-2016." Jurnal Akuntansi Indonesia 8, no. 1 (January 14, 2019): 57. http://dx.doi.org/10.30659/jai.8.1.57-73.

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This study aims to analyze the Differences in Performance of Private Owned Rural Banks and Local Government-Owned Rural Banks in Central Java Province by using financial performance ratios namely Non Performing Loans (NPL), Capital Adequacy Ratio (CAR), Loan to Deposit Ratio (LDR). ), Earning Assets Quality (KAP), Operating Income Operating Expenses (BOPO) and Return on Assets (ROA). The method used to analyze the data is the Different Test using the Independent T test. This study used the SPSS Version 19. Analysis tool.The population used in this study was BPR in Central Java. The sample of this study is the Rural Bank owned by the Central Java Regional Government and the Private Rural Banks in Central Java Province. Sample selection using purposive sampling. Based on the Independent Test of the T test, there are differences in the NPL and KAP ratios between the Regional Government-owned BPR and the Private BPR, while there are no differences in the CAR, LDR, BOPO and ROA ratios.

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Ajay. "A Study of Regional Rural Banks in the Present Scenario of India." RESEARCH REVIEW International Journal of Multidisciplinary 8, no. 1 (January 16, 2023): 17–22. http://dx.doi.org/10.31305/rrijm.2023.v08.n01.003.

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Regional Rural Banks play a crucial role in the agriculture and rural development of India. RRBs successfully achieved the target of taking banking to the doorstep of rural households to avail easy and cheaper credit facility and other financial services. The main objectives of this study are to find the Need, Functions, Objectives, and Challenges of RRBs as well as also study the financial statement of RRBs. Which was published by NABARD (Mumbai) to find how many RRBs survive today and in which state or district they cater their services.

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30

Backman, Mikaela. "Banks and new firm formation." Journal of Small Business and Enterprise Development 22, no. 4 (November 16, 2015): 734–61. http://dx.doi.org/10.1108/jsbed-03-2013-0035.

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Purpose – The purpose of this paper is to give a nuanced picture of how the local bank sector influences new firm formation and how this differs along the urban-rural hierarchy. Thus, the present paper increases the knowledge concerning the importance of the local bank sector in influencing new firm formation. In this respect, it also sheds light on how banks influence regional growth through their impact on start-ups. Design/methodology/approach – The empirical design is based on a cross-sectional approach from 2010, where Swedish municipalities are employed as the unit of observation. To overcome a possible endogeneity problem, an instrumental variable approach is applied. A two-stage least squares approach is employed in which instruments for the local bank sector in 2010 are utilised. Findings – The findings present positive relationships among the average size of the bank branches, independent banks per capita, bank branches per capita, bank competition, and the number of local start-ups in Sweden. Hence, access to financial funds is important for new firm formation. When the sample is divided across the urban-rural hierarchy, differences arise concerning the importance of the local bank sector. Independent banks per capita and bank branches per capita tend to have a larger impact on firm formation in rural municipalities. Originality/value – This paper is novel in its detailed approach to describing the local bank sector. This topic is important for local and national policy makers, demonstrating the importance of the local bank sector for a growing and healthy regional economy. This study is also the first study on this topic in Sweden.

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31

C, Dhanalakshmi. "A Study on Non-Performing Asset at Co-Operative Societies in India." South Asian Research Journal of Business and Management 6, no. 01 (February 10, 2024): 1–7. http://dx.doi.org/10.36346/sarjbm.2024.v06i01.001.

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The performance of a country's financial system reflects in a country's growth. India is striving to be one of the developed countries. Our country is going through many changes as it strives to be at the top of the world. The financial system is the mainstay of any country in India and the banking system plays an important role in the financial system. In a country like India, where 70% of the population lives in rural areas agriculture is a main occupation, which accounts for more than 30% of GDP. Banks and cooperatives in the public and private sectors play an important role in accelerating credit services to rural areas. India has 12 public sector banks, 22 private sector banks, 42 foreign banks, 56 regional rural banks, 1485 urban cooperative banks 96000 rural cooperative banks in addition to Credit Cooperative Bank. The obstacle for cooperative societies and banking institutions is NPA non-performing assets. The focus of this paper is to study NPA in Indian cooperatives and the impact of NPA on the profitability of cooperatives, the remedies for NPA problems to improve the performance of cooperatives.

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Das, Sulagna, and B. C. M. Patnaik. "Microfinance in Eastern India: The Role Played by Regional Rural Banks." Indian Journal of Finance 9, no. 11 (November 1, 2015): 45. http://dx.doi.org/10.17010/ijf/2015/v9i11/81133.

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Thirumoorthi, P., and V. Manjula. "Customer relationship management (crm) practices in regional rural banks in India." SAARJ Journal on Banking & Insurance Research 9, no. 4 (2020): 38. http://dx.doi.org/10.5958/2319-1422.2020.00025.9.

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Wijaya, Temmy. "URGENSI PEMERINTAH KABUPATEN/KOTA MENDIRIKAN BPR SYARIAH." Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah 3, no. 2 (December 31, 2019): 80–90. http://dx.doi.org/10.33650/profit.v3i2.893.

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The purpose of this study is to analyze the urgency of the Regency / City Government in Indonesia to establish a Sharia Rural Bank in the era of regional autonomy in order to improve the standard of living of the people and increase the receipt of Regional Original Revenues (PAD). Before the birth of Sharia Rural Banks in Indonesia, the public was first familiar with the People's Credit Bank (BPR). According to Law No. 21 of 2008 stated that BPR is a conventional bank that in its activities does not provide services in payment traffic. Where conventional BPRs still apply interest systems in their operations.Sharia Rural Bank (BPRS) is a bank that conducts business activities based on Sharia principles in which its activities do not provide services in payment traffic. Law (UU) No. 21/2008 concerning Sharia Banks has specifically regulated the existence of Sharia Banks in Indonesia. The law complements and perfects Law No. 7 of 1992 concerning Banking as amended by Law No. 10 of 1998 which has not been specific so it needs to be specifically regulated in a separate Act. According to Article 18 of Law No. 21 of 2008, Sharia Banks consist of Sharia Commercial Banks and Sharia People Financing Banks.There are several objectives expected from the establishment of Sharia Rural Banks in the economy, especially in the regions (Regency / City), which are as follows:1. Improving the economic prosperity of Muslims, especially those in economically weak groups who are generally located in rural areas.2. Increase employment, especially at the sub-district level so as to reduce the flow of urbanization.3. Fostering the spirit of ukhuwah Islamiyah through economic activities in order to increase income per capita towards an adequate quality of life.4. To accelerate the rotation of economic activity, especially the real sector in the regions

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Subudhi, R. N., and Jitendra K. Ram. "Operational Efficiency of Regional Rural Banks and other Commercial Banks of Odisha India : A Comparative Study." Nigerian Chapter of Arabian Journal of Business and Management Review 1, no. 1 (December 2012): 50–64. http://dx.doi.org/10.12816/0003609.

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36

Subudhi, R. N., and Jitendra K. Ram. "Operational Efficiency of Regional Rural Banks and other Commercial Banks of Odisha , India : A Comparative Study." Nigerian Chapter of Arabian Journal of Business and Management Review 1, no. 2 (January 2013): 34–44. http://dx.doi.org/10.12816/0003618.

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Ramakrishna. "Role of of Regional Rural Banks on Rural Farmers - A Study of Mysore District-India." International Journal of Social and Economic Research 6, no. 2 (2016): 190. http://dx.doi.org/10.5958/2249-6270.2016.00032.5.

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38

Paheem Beg, Dr Mahammad. "The Role of Regional Rural Banks (Rrbs) in Financial Inclusion: An Empirical Study in India." Paripex - Indian Journal Of Research 3, no. 1 (January 15, 2012): 129–30. http://dx.doi.org/10.15373/22501991/jan2014/39.

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39

Trisdian, Paula Adiati, Yulius Pratomo, and Birgitta Dian Saraswati. "VOLATILITAS INFLASI DAERAH DI INDONESIA: FENOMENA MONETER ATAU FISKAL?" KRITIS 24, no. 1 (August 11, 2016): 76–89. http://dx.doi.org/10.24246/kritis.v24i1p76-89.

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This research aims to analyse the regional inflation volatility in Indonesia for the period of 1999-2009 from both monetary and fiscal sides. The data employed in this study are regional panel data consisting of 275 observations picked from several publications. The method of analysis used in this study is Fixed Effect Model. The proxy of monetary side is outstanding of loans in Rupiah and Foreign Currency of commercial and rural banks by project location of Provinces, and fiscal side is local government debt. This research finds both monetary and fiscal sides have positive relationship with the inflation volatility in Indonesia. However, only monetary side which has significant impact, but fiscal side does not. This finding further shows that the regional inflation in Indonesia is still a monetary phenomenon. Therefore, the solution to controll regional inflation in Indonesia is to manage credit rationing conducting by commercial and rural banks for every province.

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Kaur, Hardarshan, and Navkiranjit Kaur Dhaliwal. "Performance of Kisan Credit Card Scheme by Regional Rural Banks in Punjab." Journal of Business Thought 9 (April 25, 2018): 70–80. http://dx.doi.org/10.18311/jbt/2018/21326.

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41

Begum, Durdana, and Badiuddin Ahmed. "Performance appraisal of regional rural banks - A study on Telangana Grameena Bank." SAARJ Journal on Banking & Insurance Research 6, no. 3 (2017): 4. http://dx.doi.org/10.5958/2319-1422.2017.00009.1.

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Rasure, K. A. "Regional Rural Banks in Development of Hyderabad Karnataka Region: A Comparative Analysis." SEDME (Small Enterprises Development, Management & Extension Journal): A worldwide window on MSME Studies 30, no. 1 (March 2003): 87–92. http://dx.doi.org/10.1177/0970846420030109.

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43

Meslier-Crouzille, Céline, Emmanuelle Nys, and Alain Sauviat. "Contribution of Rural Banks to Regional Economic Development: Evidence from the Philippines." Regional Studies 46, no. 6 (June 2012): 775–91. http://dx.doi.org/10.1080/00343404.2010.529117.

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44

Siti Zulaikha, Mauizhotul Hasanah, Faris Kurnia Hakim,. "The Effect of Islamic Rural Banks (BPRS) on Regional Economies in Java." Jurnal Ekonomi 24, no. 2 (September 26, 2019): 256. http://dx.doi.org/10.24912/je.v24i2.590.

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The financial sector in a region can spur the pace of economic movements, especially with the contribution of banks in the micro sector as an intermediary tool in channeling funds to productive investments that encourage the real sector, especially in the micro sector, which will produce aggregate output. The purpose of this study is to analyze the extent of the Islamic Rural Bank (BPRS), which is an Islamic microfinance institution for the economy on the island of Java. This study uses secondary data during the period from January 2016 to December 2018. This study uses the Ordinary Least Square Data Panel method. The empirical results show that part of Total Assets does not have a significant negative effect on GRDB. While the total financing and Third Party Funds (TPF) partially does not have a significant positive effect on GRDB. Also, simultaneously the overall independent variables together have a significantly positive effect on GRDB.

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45

Titus, Mathew. "The New Jan-Dhan: Why Is a Makeover Necessary?" Journal of Development Policy and Practice 3, no. 2 (June 25, 2018): 119–36. http://dx.doi.org/10.1177/2455133318777160.

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The Jan-Dhan programme has garnered consistent policy attention across two national governments. Started in February 2011, this programme has gone on to mobilise ₹ 81,203.59 crore (US$12.4 billion approximately) by May 2018 through 31.6 crore ( 316 million) savings accounts. These accounts, spread over thousands of branches and operating in diverse conditions, include banks from the public sector, private sector and rural sector (Regional Rural Banks). The central question this paper tries to address is how we can ensure sustained gains from the programme. This article recommends that a new version of the programme be launched. The justification for this new version arises from evidence of substantive difference among banks already in outreach, product success and service quality. Using available data, this paper identifies banks that have done better than others in mobilising deposits and opening of the accounts. The next phase, this article suggests must direct resources and policy attention to the successful banks and support them by policy and regulatory incentives.

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B. Y., Muhammad Firdaus, Raden Heru Kristanto, and Khoirul Hikmah. "Analysis of Differences in Credit Distribution, Non-performing Loans and Profits of Rural Banks (BPR) with the Issuance of the Financial Services Authority." Journal of Business Innovation and Research 1, no. 1 (October 19, 2022): 27. http://dx.doi.org/10.31315/jubir.v1i1.8031.

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This study aims to determine differences in credit distribution, non-performing loans, and profits at Rural Banks Owned by Regional Governments in DIY before and during the Covid-19 Pandemic after the issuance of Number 11/POJK.03/2020. This research was conducted by quantitative comparative method. The samples taken in this study are data regarding the level of lending, non-performing loans (NPL), and net income from the publication reports of Perumda BPR Bank Jogja, PT BPR Bank Sleman (Perseroda), PT BPR Bank Bantul (Perseroda), PD BPR Bank Kulon Progo Market, and PT BPR Bank Daerah Gunungkidul in 2018, 2019, 2020 and 2021. Data testing was carried out using a paired sample T/T-test using the SPSS program, with a significance value of 5%. The results of this study include differences in credit distribution at Rural Banks Owned by Regional Governments in the Special Region of Yogyakarta before and during the Covid-19 Pandemic after the issuance of Financial Services Authority Regulation (POJK) Number 11/POJK.03/2020, then there is no significant differences in non-performing loans of Regional Government-Owned Rural Banks in the Special Region of Yogyakarta before and during the Covid-19 Pandemic after the issuance of Financial Services Authority Regulation (POJK) Number 11/POJK.03/2020, as well as significant differences in bank profits Local Government-Owned People's Credit in the Special Region of Yogyakarta before and during the Covid-19 Pandemic after the issuance of Financial Services Authority Regulation (POJK) Number 11/POJK.03/2020.

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Yadav, Amar Nath, Sukhbir Singh, and Ashish Jaiswal. "A Study of Regional Rural Banks : The Conundrum of Managing Inclusion with Sustainability." Indian Journal of Finance 17, no. 1 (January 1, 2023): 47. http://dx.doi.org/10.17010/ijf/2023/v17i1/172602.

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Hartarska, Valentina, Denis Nadolnyak, and Xuan Shen. "Agricultural credit and economic growth in rural areas." Agricultural Finance Review 75, no. 3 (September 7, 2015): 302–12. http://dx.doi.org/10.1108/afr-04-2015-0018.

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Purpose – In this paper, the authors set out to establish if there is a link between finance and economic growth in rural areas. The purpose of this paper is to evaluate the relation between credit by major lenders in rural areas – commercial banks and Farm Credit System (FCS) institutions – and economic growth for the period 1991-2010. Design/methodology/approach – The motivation for this work comes from empirical studies showing a link between economic development and financial system development as well as from work which highlights the positive role of long-term finance provided by banks. The authors use two alternative panel data sets and fixed effects models to estimate the causal effect of credit supply (with lagged explanatory variables) on agricultural GDP growth per rural resident. Findings – The authors find a positive association between agricultural lending and agricultural GDP growth per rural resident with additional billion in loans (about a third of the actual average) associated with 7-10 percent higher state growth rate with this association stronger during the 1990s. Regional data confirm these results. The results point to a positive link between credit and economic growth in rural areas during that period, attributable to the lending by FCS institutions and by commercial banks. Research limitations/implications – Data availability limits the scope of this paper. The authors use state level balance sheet data available for the 1991-2003 period and annual data for 2003-2010 period. An additional regional data set is constructed for 1991-2010 with more aggregated data for the ten USDA agricultural production regions. The small number of panels limits the ability to use more sophisticated econometric models and the choice of dependent variables that captures economic growth. Practical implications – By provides evidence that agricultural finance and in particular lending contribute significantly to the growth of US agriculture, this paper contributes to the policy debate on weather support for agricultural finance initiatives is justified. Originality/value – The authors are not aware of another study that has linked agricultural lending by commercial banks and FCS institutions to growth in rural areas in the USA.

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Brahman, Beena Sagarmal. "Performance Evaluation of Bank of India and Union Bank of India with Respect to Priority Sector." INDO-ASIAN JOURNAL OF FINANCE AND ACCOUNTING 3, no. 2 (2022): 161–74. http://dx.doi.org/10.47509/iajfa.2022.v03i02.08.

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It is been said that India is an agricultural country. And an Indian banking industry plays a significant role in flourishing the Indian agricultural industry. The commendable contribution of the banking sector is one of the major reasons for the upliftment of agricultural industry as a whole. As per National Statistical Office, agricultural sector contributes 20.19% to the total economy of India. Reserve Bank of India has taken an initiative specifically to foster the growth of priority sector. Establishment of Regional Rural Banks is an outcome of those reforms taken place in the banking industry. Even the major players of the Public Sector Banks are indulged vigorously to support rural India. A researcher here has put in efforts to understand and analyze the contribution and role of Bank of India and Union Bank of India in this noble initiative of Government of India. Exponential Growth rate has been considered as a tool to check the intensity of financial contribution of both banks in the upliftment of rural India.

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Tarannum Jahan, Arfath Jahan, L Manjula, Lubna Ruheen, Madigani Sravanthi, and Madiha Fatima Maryam. "A Study on Agricultural Loans offered by NABARD to Farmers." International Research Journal on Advanced Engineering and Management (IRJAEM) 2, no. 04 (April 8, 2024): 860–65. http://dx.doi.org/10.47392/irjaem.2024.0115.

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This study delves into the comprehensive landscape of agricultural loans disbursed by the National Bank for Agriculture and Rural Development (NABARD) to farmers in India. The research scrutinizes the varied purposes for which these loans are extended, encompassing crop cultivation, animal husbandry, dairy farming, poultry, fisheries, and agro-processing. Emphasizing the different loan types – short-term, medium-term, and long-term – the investigation explores the interest rates associated with each category and evaluates the role of government subsidies in enhancing affordability. Additionally, the study investigates the credit delivery mechanism facilitated by NABARD through cooperative banks, regional rural banks, and commercial banks, ensuring an inclusive approach to reach farmers across diverse strata. The research underscores the technological impetus provided by NABARD, encouraging farmers to adopt modern agricultural practices and technologies. Special attention is given to risk mitigation measures, including crop insurance, designed to shield farmers from losses arising due to unforeseen circumstances. Keywords: NABARD, Agricultural Loans, Farmer Financing, Credit Delivery, Government Subsidies, Rural Development, Risk Mitigation, Financial Inclusion, Technological Adoption, Indian Agriculture.

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