Though the rural Credit Survey committee has brought into limelight the problems of the rural finance, the Regional Rural Bans Ordinance 1975 proved to be a landmark in restructuring the rural infrastructure by providing easy and cheap finance to the small marginal farmers, agricultural labourers, artisans and the small entrepreneurs in the rural areas. Since the problems of employment is becoming more and more acute and the service sector is nearly stagnant and industry sector has a narrow scope, the employment opportunities can be better explored in the rural segments. In this regard, the Regional Rural easy and cheap credit to the unemployed. The book besides highlighting the aims and objects of the Regional Rural Banks scheme presents a vivid descripti0n of the working and performance of the Prathma Bank, Moradabad, which is considered to be one of the ideal Regional Rural banks in the country. The author has covered the relevant aspects of Regional Rural Banks like branch expansion, deposit mobilization, credit deployment, profitability etc. and has given practical suggestions for improvement . Problems like lack of banking habits among rural public, competition with other financing institutions, recovery of advance, defective management pattern, untrained staff, limited resources, etc, have also been discussed along with suitable remedial measures. An effort has also been made to assess impact of these banks on rural economics as well as to the readers in general.
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