The mission of NABARD is to promote sustainable and equitable agriculture and rural development through effective credit support, related services, institutions building and other innovative initiatives. The policy initiatives of NABARD are mainly geared to increase the credit dispensation for improving production and productivity in rural areas. The book seeks to examine the role of NABARD for rural prosperity, review the policies and programs of NABARD in promoting rural development at national level, analyze the innovative schemes implemented by NABARD, the utilization and repayment behavior of borrowers and assess the impact of credit programs on borrowers in terms of employment creation and income generation, and prescribe the strategies which will enable the existing credit schemes to emerge stronger and more viable. The findings of the study shows that the performance of NABARD at macro level is found to be in line with its objectives but ground level realities are otherwise. The situation warrants participation of borrowers inn planning of the lending activities which alone can minimize misutilization and default in repayment. The book suggests that organization of borrowers as the only way to make the ground level lending a success. The book with its many insights will interest all those in the field of banking, rural finance, rural development as well as policy makers, bureaucrats and NGOs and scholars.
ABOUT THE AUTHOR N. Lalitha
Dr. N. Lalitha holds M.A. degrees in Economics, Women’s studies and Gandhian thought, M.Ed., M.Phil and Ph.D. in Economics. She won Medal for securing first rank in M.A. (Women’s studies) at Mother Teresa Women’s University, Kodaikanal. Presently, Reader in the Faculty of Rural Development, Gandhigram rural Institute (D.U.) Gandhigram, she has presented papers in several International, National and Regional seminars and workshops. A seasoned teacher having nearly one and half decade of professional standing, she is the author of many research papers, articles, monographs and books on a variety of issues relating to empowerment of women, self help groups, micro credit, rural women and Rural Development. She has been involved in development projects with emphasis on alternate credit delivery systems and women’s empowerment. She has undertaken projects on women self help groups, women co-operatives and women in poverty alleviation programmes. She has been guiding scholars working for M.Phil and Ph.D. degree. She is in the network of Non Governmental SHG Federations. She has been involved in developmental projects with emphasis on alternate credit delivery systems. Currently, she is running an Action research project on Self Help Groups and Self Help promoting Institutions funded by CAPART and a research project on Micro credit Intervention and Women Empowerment funded by ICSSR.
ABOUT THE AUTHOR R. Dayanandan
Dr. R. Dayanandan obtained his M.Phil as well as Ph.D. from Gandhigram University. He was a Senior Research Fellow of UGC during his Ph.D research work and University Rank Holder during his graduation. He is a perceptive researcher and has contributed a number of papers to different Journals. Dr. R. Dayanandan is a life member of several professional and academic bodies and has participated in various conferences/seminars. He has also organized national level seminars and debate. Currently he is the Head of the department of Natural Resource Economics & Management, Mekelle University, Ethiopia.
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