The Book: Both components of the banking profession are of paramount importance. The deposits, of course, are the sheet anchor to generate initial finances but lending of banks have manifold dimensions. Dr. Pratima Kapoor’s present treatise unfolds this aspect of Banking in proper perspective. As to how loans from the banks can help to alleviate the national poverty to meet the domestic needs and give rise to the sense of respect and importance to the loanees have been widely and vividly discussed in this book. This work of Dr. Kapoor reveals that the studies cannot be confined to the four walls of the libraries, although author has drawn heavily from various source materials but her actual field of study stretches from plain low land situations to the high mountain tops, from the valleys and dales of the country side to the bustling bazaars where the beneficiaries have to be contacted to get feed backs regarding the utilization of loan money and efforts to repay it back to the banks. The task was not simple. They had to be interrogated while ploughing the land and thrashing the crops, while celebrating the fairs and festivals and enjoying the birthdays or marriages. On the whole the loan component study of Dr. Pratima Kapoor is not just an academic effort but has all the elements of a creative writing. The tone and contents of the text have exposed the fact how through the mechanism and facilities of the bank loan, poverty can be converted into prosperity.
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