Emerging Issues on Rural Credit

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The Indian Economy has adopted a multi-agency approach to rural credit and accordingly the Co-operatives, the Commercial Banks and the Regional Rural Banks are engaged in providing credit to agriculture and other activities in rural area. However, what is observed, in recent years the flow of credit to agriculture by these agencies has declined and this has affected the investment and growth in agriculture. Besides it is also observed that most of the Rural Credit Institutions are not in a state of good financial healthy. They are plagued with higher NPAs, mounting losses and greater non-viability. In view of this the present Workshop is organized to deliberate upon the working of the Rural Credit Institutions and their credit flow to agriculture, identify the various weaknesses thereof to improve their efficiency, viability and larger credit provision for developing agriculture. Besides, the Eastern Region continuing to be a relatively poor region in spite of its potentiality, and credit being a catalyst in the process of development, the Workshop lays emphasis on deliberating upon making institutional credit more responsive to the need of this region. The Workshop has drawn participants from academics, bureaucrats, bankers, and policy makers. The papers presented in the Workshop have identified the weaknesses in institutional credit and provided some solutions for the country as well as for the Eastern Region.

ABOUT THE AUTHOR Raj Kishore Panda

Dr. Raj Kishore Panda, is at present Professor and Head in the Post-Graduate Department of Analytical and Applied Economics, Utkal University, Bhubaneswar. His field of specialization is Rural / Agricultural Economics and Institutional Finance. Dr. Panda has been awarded many fellowships for doing research at the Doctoral and Post-Doctoral levels. He got the UGC Teacher Fellowship for his Ph.D. work on ‘Agricultural Indebtedness and Institutional Finance.’ For undertaking Post-Doctoral research abroad, he was selected by the UGC as Visiting social Scientist under Indo-French Cultural Exchange Programme to work on credit Agriocole in France during 1995. Dr. Panda was awarded Japan Foundation Fellowship during 1997 to work on Japanese Multi-Purpose Agricultural Cooperatives. In the year 1999 he was selected for a 3-year Research Award under UGC to work on ‘Agricultural Investment in Orissa – Inter-Region and Inter-Farm Analysis’. Dr. Panda has completed a number of Research Scholars have obtained Ph.D. degree under his supervision. He has to his credit a number of Research Books and Monographs written on Agricultural Economics and Institutional Finance. Dr. Panda has edited a book on Reviving Orissa Economy – Opportunities and Areas of Action – an outcome of a National Workshop conducted by the Department of Analytical and Applied Economics, Utkal University in 2004.

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Bibliographic information

Title
Emerging Issues on Rural Credit
Author
Edition
1st ed.
Publisher
ISBN
8176489131
Length
xvi+192p., Tables; Figures; References; Index; 23cm.
Subjects