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Journal articles on the topic 'State Co-operative Banks'

Author: Grafiati

Published: 4 June 2025

Last updated: 1 August 2025

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1

Dr. Sony Vijayan, Devi Sekhar R,. "MEASURING THE EFFICIENCY IN LENDING OPERATIONS OF STATE CO-OPERATIVE BANKS IN INDIA." INFORMATION TECHNOLOGY IN INDUSTRY 9, no. 1 (2021): 1353–58. http://dx.doi.org/10.17762/itii.v9i1.277.

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Co-operatives are member driven and democratic in nature and played a pioneering role in providing agricultural credit to a very large rural population, especially in remote areas. The State Co-operative Banks (SCBs) are the apex level co-operative credit institutions and play a significant role in the functioning and growth of the co-operative credit structure in the respective states. Financial assistance from Reserve Bank of India and National Bank for Agriculture and Rural Development (NABARD) are mainly routed through the state co-operative banks and hence they have to ensure efficiency i

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Singh, Anshu, and Sagar Kisan Wadkar. "Andhra Pradesh State Cooperative Bank: credit beyond convention." Emerald Emerging Markets Case Studies 13, no. 3 (2023): 1–23. http://dx.doi.org/10.1108/eemcs-05-2023-0182.

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Learning outcomes After reading and analysing the case study, the students would be able to understand the various challenges in terms of credit expansion for a rural co-operative bank, discuss the role of an apex co-operative bank within the three-tier credit structure, understand the co-operative banks’ product offerings in the agribusiness space and understand the various styles of leadership and change management models within a rural bank. Case overview/synopsis This case study exemplified the enabling role played by a co-operative credit institution, Andhra Pradesh State Co-Operative Ban

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Dr., Sanjay B. Kalamkar, and Dipika S. Sonawane Mrs. "Rural And Co-Operative Development." Young Researcher 14, no. 1C (2025): 130–37. https://doi.org/10.5281/zenodo.14936292.

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<em>This study examines the importance of rural credit cooperatives and the challenges they face in the Indian financial system, focusing on how they affect rural credit and financial inclusion. According to a survey of rural credit dynamics at institutional and non-institutional levels, a consistent 30– 41% credit share of non-institutional institutions reflects the challenges faced by formal institutions in meeting demand for rural credit. The Primary Agricultural Credit Union (PACS) survey reveals an increasing gap between loan actual utilisation and distribution. Identify potential b

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Maxim, Carl. "The Role of Co-operative Societies in Fulfilling the Financial Needs of Village Farmers and Improving their Living Standards in Belthangady Taluk, Karnataka." Pearl Multidisciplinary Journal 1, no. 1 (2015): 33–37. https://doi.org/10.5281/zenodo.3611277.

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Commercial banks and co-operative banks are two major divisions of banking sector in India. When the commercial banks contribute to the growth of economy the village farmers are neglected although they pool good chunk of the financial growth of the nation. Co-operative banks have emerged to fill the gap. It is a study on the role of co-operative societies in fulfilling the financial needs of village farmers and in providing their standard of living in Belthangady Taluk, in Dakshina Kannada district, Karnataka state, India. The results show that 75% of the members of Co-operative Societies are

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S, Sujith T., and Sumathy M. "Does the Co-operatives Helps the Rural Development in India?" Technoarete Transactions on Advances in Social Sciences and Humanities 2, no. 1 (2022): 5–9. http://dx.doi.org/10.36647/ttassh/02.01.a002.

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In India, the co-operative movement has played an important role in meeting the developmental needs of the rural poor. Co-operatives are the organisation that help the individuals harness the power of collective bargaining in order to protect the financial interests of the impoverished and underrepresented in society. In India co-operative credit structure is three-tiered, with State Cooperative Banks (SCB) at the top of the each state, Central Co-operative Banks in the middle or central level, and Primary Agriculture Credit Societies (PACS) at the bottom level. Each of these institutions focu

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Bidikha, Gogoi. "An Analysis of the Legal Framework of the Co-operative Banks in India." Annual International Journal on Analysis of Contemporary Legal Affairs 1 (February 10, 2021): 192–215. https://doi.org/10.5281/zenodo.4876318.

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<strong><em>Co-operative banks are said to perform a broad and excellent role in the process of financial management which includes inculcating financial incorporation in India.  Co-operative banks are considered as the monetary organization which provides financial support to the customers especially the people of low-class society who cannot take the opportunity of the high-class business banks for financial purposes. Co-operative banks provide loans especially to the poor people for the fulfillment of their means of livelihood. The cooperative banks in India are considered as the secon

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Sasi Bhushan, M., Ch V Aruna, R. Anka Rao, and G. Sree Vidhya Naga. "Employee and Branch Productivity of State Co-Operative Banks in India: Region-Wise Analysis." International Journal of Science and Research (IJSR) 11, no. 10 (2022): 928–34. http://dx.doi.org/10.21275/sr221020024711.

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8

Sri Gururaghavendra, K. M., and T. Rajendra Prasad. "Impacts on Challenges and OpportunDistrict Central Co-operative Banks (DCCBs) are important in rural India’s financial system, link state co-operative banks and primary agricultural credit societieities of District Central Co-Operative Banks in Karnataka." Shanlax International Journal of Economics 13, no. 1 (2024): 11–18. https://doi.org/10.34293/economics.v13i1.8227.

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District Central Co-operative Banks (DCCBs) are important in rural India’s financial system, link state co-operative banks and primary agricultural credit societies (PACS). Their primary function is to facilitate credit flow to agriculture sector and other small-scale industries, thereby increasing financial inclusion and rural development. However, the recent years have brought significant challenges to these banks, affecting their operations and sustainability. The mainly challenges faced by District central co-operative banks include Capitalization Issues: Many District central co-operative

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Kumar, Dr Dinesh, and Prem Singh. "Performance appraisal of state co-operative banks ltd. in India." International Journal of Research in Finance and Management 1, no. 2 (2018): 01–04. http://dx.doi.org/10.33545/26175754.2018.v1.i2a.7.

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10

K, Vidya, and Ravi N. Kadam. "A Study on Performance of the Karnataka State Cooperative Agriculture & Rural Development Bank Ltd., Bangalore in women development cell to promote entrepreneurship." International Journal of Horticulture, Agriculture and Food science 7, no. 6 (2023): 6–11. http://dx.doi.org/10.22161/ijhaf.7.6.2.

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The Karnataka State Co-operative Agriculture and Rural Development Bank Limited is the apex bank of all the primary co-operative agriculture and rural development banks in the state. All the PCARD Banks in the state are affiliated to it. The KSCARD Bank provides financial accommodation to the PCARD Banks for their lending operations. In order to quick sanction and disbursement of loans and supervision over the PCARD Banks the KSCARD Bank has opened district level branches. Bank has established Women Development Cell to promote entrepreneurship among women in 2005. The Bank is identifying women

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Selvaraju, P. "2 and 3 Tier Structure of Co-operative Credit (CC) in India: Current Status, Issues and Challenges." Asian Journal of Managerial Science 7, no. 1 (2018): 57–62. http://dx.doi.org/10.51983/ajms-2018.7.1.2704.

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Co-operative banks in India have come a long way since the enactment of the Agricultural Credit Co-operative Societies Act in 1904. The century old co-operative banking structure is viewed as an important instrument of ba62nking access to the rural masses and thus a vehicle for democratization of the Indian financial system. Co-operative Banking is an agency which, in the words of Henry Wolff , “is in a position to deal with small man on its terms, accepting his security he has and without drawing on the protection of the rich, that the agency must not be channel for pouring charity or subsidi

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DR.A.DHARMENDRAN. "NON – PERFORMING ASSETS IN STATE CO-OPERATIVE BANKS IN INDIA – AN EMPIRICAL STUDY." IJRCM (INTERNATIONAL JOURNAL OF RESEARCH IN COMMERCE, ECONOMICS & MANAGEMENT) 2, no. 5 (2012): 102–6. https://doi.org/10.5281/zenodo.3760297.

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<em><strong>ABSTRACT</strong></em> <em>The present article aims at examining the Non-Performing Assets (NPAs) – Concept and Status in State Co-operative Banks (StCBs) in India. This article analyses the prudential accounting norms relating to capital adequacy, income recognition, assets classification and provisioning standards. The position and growth standard assets, sub-standard assets, doubtful assets, loss assets, gross NPAs, provision for NPAs and net NPAs are discussed with the help of percentage analysis and compound growth rate for all the StCBs in India. With the tightening of

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Chandel, Parkash, and Parvesh Gill. "Growth and Performance of State Co-operative Banks in India: An Analysis." MUDRA : Journal of Finance and Accounting 6, no. 1 (2019): 45. http://dx.doi.org/10.17492/mudra.v6i1.182689.

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Chaudhari, V. M., and Mayuri Farmer. "AN EMPIRICAL STUDY OF STRUCTURE AND PERFORMANCE OF STATE CO-OPERATIVE AGRICULTURE AND RURAL DEVELOPMENT BANKS AND AFFILIATED PRIMARY COOPERATIVE AGRICULTURE AND RURAL DEVELOPMENT BANKS IN INDIA." Gujarat Journal of Extension Education 33, no. 1 (2022): 41–52. http://dx.doi.org/10.56572/gjoee.2022.33.1.0010.

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In India,the Rural Co-operative credit structure includes 'Short Term Co-operative Credit Structure' and 'Long Term Co-operative Credit Structure'. LTCCS comprises SCARDBs (State Co-operative Agriculture and Rural Development Banks) and PCARDBs (Primary Co-operative Agriculture and Rural Development Banks), which mainly dispenses long term investment credit to farmers. As on 31st March 2020, the total number of operational units of fully functional 13 SCARDBs is 1719. Total members of LTCCS are 86.04 lakhs. NABARD continues to be the main source of funds for SCARDBs. Borrowings of functional S

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K., Nagi Reddy, and M. Chandraiah Dr. "Progress of Cooperative Banks in India." International Journal of Engineering and Management Research 9, no. 2 (2019): 186–89. https://doi.org/10.5281/zenodo.3356055.

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Cooperative is one of the oldest and effective systems in terms of development of human civilization. Cooperative institutions are organized and managed on the principle of cooperation, self-help and mutual help. There are different types of cooperative institutions functioning in India. As far as the institutional credit structure is concerned, cooperatives play a significant role in this regard. Cooperative credit institutions are spread all over India and are providing their services at the grass root level. As main portion of the population in India lives in rural areas so it is important

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Yadav, Sunil Kumar. "A Study on the Eastern Region SHG Bank Linkage programme Performance with Special Reference to West Bengal State." ESSBC JOURNAL OF BUSINESS STUDIES I, no. II (2023): 53–62. https://doi.org/10.5281/zenodo.13968409.

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<strong>Abstract </strong>This paper analyses and compares the performance of the bank linkage programme, namely bank saving amount linkage with SHG and loan disbursement linkage programme for SHG in the eastern region of India. Additionally, this paper also focuses on West Bengal its bank linkage SHG performance. It uses secondary data that collected from NABARB annual reports and applied descriptive statistics to check the significant result of the study. The study finds that RRBs dominantly impacted on SHG savings amount, then commercial banks averagely impacte

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Alagu Pandian, Dr V., and Upnish Yadav. "A Study on the Funds and Investment Management of the Dehradun Urban Co-Operative Bank in Uttarakhand." Shanlax International Journal of Management 9, S1-Mar (2022): 92–103. http://dx.doi.org/10.34293/management.v9is1-mar.4897.

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Cooperative credit can be broken down into Urban Co-operative Banks (UCBs) and Rural Cooperative Banks. Rural cooperatives play a big part in the credit delivery system in rural areas. Urban Cooperative Banks (UCBs) try to get savings from middle and low-income people and give them money to people who need it. People who work for UCBs and rural cooperative credit banks are regulated by the Reserve Bank of India and NABARD, respectively. Both are regulated by the State Government in regard to certain types of work they do.The research demonstrates that in the majority of situations, the bank ha

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Bheda, Anandkumar J., and Arvind M. Gajera. "A Study on Deposits to Working Capital Ratio of Rajkot District Cooperative Bank Ltd." RESEARCH REVIEW International Journal of Multidisciplinary 7, no. 10 (2022): 179–87. http://dx.doi.org/10.31305/rrijm.2022.v07.i10.022.

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Majorly 21 types of banks are functioning worldwide. Each and every bank plays important role in growth and development of economy of the nation. This research is focusing on district level banks of Gujarat State. Presently total 42 district level banks are functioning in Gujarat. Amid them, the orientation is taken in account to evaluate the financial performance based on deposits to working capital ratio of the bank. The research is examined for Rajkot District Co-Operative bank ltd for financial year 2013 to 2019. An application of t – test is used to examine the results. It is observed tha

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Bheda, Anandkumar J., and Dr Arvind M. Gajera. "An Exploratory Research on Bhavnagar District Cooperative Bank Ltd – Evaluation of Profit Per Branch Ratio and Net Profit to Net Assets Ratio." RESEARCH REVIEW International Journal of Multidisciplinary 6, no. 12 (2021): 191–98. http://dx.doi.org/10.31305/rrijm.2021.v06.i12.029.

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Majorly 21 types of banks are functioning worldwide. Each and every bank plays important role in growth and development of economy of the nation. This research is focusing on district level banks of Gujarat State. Presently total 42 district level banks are functioning in Gujarat. Amid them, the orientation is taken in account to evaluate the financial performance based on two parameters – Profit per Branch Ratio and Net Profit to Net Assets Ratio of the bank. The research is examined for Bhavnagar District Co-Operative bank ltd for financial year 2013 to 2019. An application of t – test is us

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Santosh, Bajantri. "Impact of merger on profitability and non-performing assets Management in Indian Banking Sector- A Study on State Bank of India." International Journal of Advance and Applied Research S6, no. 16 (2025): 235–40. https://doi.org/10.5281/zenodo.15143833.

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<em>Stable economy of every country is depends on banking companies, in modern era an individual cannot imagine their life without bank because money is everything to an individual. Bank is base for proper flow of money in an economy. In Indian banking sector it comprises with co-operative banks, commercial banks and others. Now day’s commercial banks are playing vital role in our country. The whole commercial banks are broadly divided into two viz. public and private sector bank. In public sector state bank of India is larges and prominent bank in public sector. State bank of India earl

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McGuinness, Paul B., and Kevin Keasey. "The Listing of Chinese State-Owned Banks and their Path to Banking and Ownership Reform." China Quarterly 201 (March 2010): 125–55. http://dx.doi.org/10.1017/s030574100999110x.

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AbstractChina's leading state-owned banks have undergone radical transformation in recent years, with six of the country's top seven players listed in both Hong Kong and Shanghai. We first consider how the banks were reorganized for initial public offering, in terms of the removal of non-performing loans and the massive recapitalization of their balance sheets. Second, and more importantly, we consider whether they have been able to retain market share, further commercialize and enhance overall financial positions post-listing. Through in-depth case analysis of the six state-owned banks, we sh

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Bheda, Anandkumar J., and Arvind M. Gajera. "An Evaluation of Net Profit to Working Capital Ratio and Loans and Advances to Working Capital Ratio of The Amreli District Cooperative Bank Ltd." RESEARCH REVIEW International Journal of Multidisciplinary 7, no. 5 (2022): 138–45. http://dx.doi.org/10.31305/rrijm.2022.v07.i05.020.

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Majorly 21 types of banks are functioning worldwide. Each and every bank plays important role in growth and development of economy of the nation. This research is focusing on district level banks of Gujarat State. Presently total 42 district level banks are functioning in Gujarat. Amid them, the orientation is taken in account to evaluate the financial performance based on two parameters – Net profit to working capital ratio and Loans and advances to working capital ratio of the bank. The research is examined for Amreli District Co-Operative bank ltd for financial year 2013 to 2019. An applica

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Dr., E. Muthukumar, Rajesh Dr.G.Alex, and Sathis Kumar M. "A COMPARATIVE STUDY OF CUSTOMERS SATISFACTION ON INTERNET BANKING IN PUBLIC AND PRIVATE BANKS IN PALAKKAD DISTRICT." International Journal of Marketing & Financial Management 2, no. 2 (2014): 34–51. https://doi.org/10.5281/zenodo.10791483.

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<strong>Abstract</strong> <em> </em> <em> Banking segments in India have been booming of late due to high liquidity, changing demographic profiles, changing interest rates and increasing demand for consumer finances. A brief scrutiny of the Indian banking industry would unearth the reasons behind the current scenario governed by the Banking Regulation Act of India, 1949. The Indian banking industry can be broadly classified into two major categories: Non-scheduled banks and Scheduled banks.</em> <em>Scheduled banks comprise of Commercial banks and the Co-operative banks. In terms of

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Bodhgire, Nandkumar Baburao. "A study of state-wise variation in liabilities and assets of district centre Co-Operative Banks in India." Asian Journal of Research in Banking and Finance 13, no. 1 (2023): 1–8. http://dx.doi.org/10.5958/2249-7323.2023.00001.9.

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Dr., Daneshwar R. Pandey. "A comparative study on the financial analysis of the co operative banks of Bardoli Taluka in Surat District." International Journal of Advance and Applied Research 3, no. 8 (2022): 78–82. https://doi.org/10.5281/zenodo.7512364.

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Co operative banking has been playing a vital position in the development of rural economy and work as a backbone of Indian financial system. These banks are playing a major role in the achievement of the goal of financial inclusion. These banks with their extensive branch network  and  localized  operational  base,  also  engage in  recreation  of  the  development process, credit delivery and deposits mobilization  in rural areas. So, an attempt has been made in this paper to study the cooperative bank in the surat Districts . The curren

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Banerjee, Debolina, and Saptarshi Ray. "A Study on the Initiatives of the Banking Institutions towards Financial Inclusion Drive in the State of West Bengal." Kindler XXII, no. 1&2 (2022): 48–64. https://doi.org/10.5281/zenodo.7515089.

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The ever-evolving concept of financial inclusion in India is all about providing financial services to people who are deprived of banking facilities in the rural areas. The government has endowed this responsibility to the nationalised banks, that have outsourced it to private limited companies. These companies have again outsourced it to various cooperative societies and other Non-Banking Financial Companies (NBFCs) known as ‘Business Correspondents’. These Business Correspondents appoint hundreds of Customer Service Providers (CSPs) who oversee the opening of bank accounts of the

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A.A. Akinsulu. "A stochastic frontier approach to determine technical efficiency of cassava farmers in Ondo state, Nigeria." Journal of Agriculture and Environment 20, no. 2 (2025): 43–52. https://doi.org/10.4314/jagrenv.v20i2.5.

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The stochastic frontier production model showed an improvement over the traditional average function and the deterministic functions, which use mathematical programming to construct production frontiers. The study was conducted to analyze the technical efficiency of sole cassava farmers in Ondo State using a stochastic frontier model. Primary data were obtained with the aid of a structured questionnaire, and a multistage sampling technique was used to sample 160 respondents. The result revealed that the variance of parameters (gamma and sigma squared) of the frontier production function was bo

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Chaudhari, V. M., and Mayuri Farmer. "LOAN PURCHASE AND UTILIZATION BEHAVIOUR OF FARMERS IN A CREDIT COOPERATIVE SET-UP: A CASE STUDY OF GUJARAT STATE CO-OPERATIVE AGRICULTURAL AND RURAL DEVELOPMENT BANK LTD. (KHETI BANK)." Gujarat Journal of Extension Education 2022, no. 1 (2022): 67–79. http://dx.doi.org/10.56572/gjoee.2022.si.0014.

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Rural Co-operative credit system provide various loans to farmers for the improvement of their livelihood. The banks consider many parameters before sanctioning a loan to the farmers. Land holding is an important consideration while sanctioning an agriculture loan to a farmer, besides other parameters. Among the regular loan borrowers, it is better to understand their behaviour in terms of their land holdings. A primary research survey was conducted among 450 regular loan borrowers of The Gujarat State Co-Operative Agricultural & Rural Development Bank Ltd. (GSCARDB), from three different

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Zapadka, Piotr. "INSTRUMENTY FINANSOWE NOTOWANE NA RYNKU ‘CATALYST’ – WYBRANE ZAGADNIENIA PRAWNE." Zeszyty Prawnicze 12, no. 1 (2016): 129. http://dx.doi.org/10.21697/zp.2012.12.1.07.

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The Financial Instruments Listed on the Catalyst Bond Market: Selected Legal Aspects Summary The Catalyst Bond Market, which was launched on 30 September 2009, comprises four trading platforms which operate on the transaction platforms of the Warsaw Stock Exchange and BondSpot. Two of them can be classified as multilateral trading facilities (MTF) (in the meaning of art. 3 point 2 of the Trading in Financial Instruments Act of 29 July 2005) and the other two are an off-exchange regulated market (in the meaning of art 15 paragraph 1 point 2 of the Trading in Financial Instruments Act of 29 July

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Samuel, Elizabeth M. "Comparative Performance Evaluation of Selected Commercial Banks in India using CAMELS Rating Model." International Journal of Global Sustainability 2, no. 1 (2018): 24. http://dx.doi.org/10.5296/ijgs.v2i1.12576.

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Sound financial health of a bank is the guarantee not only to its depositors but is equally significant for the shareholders, employees and whole economy as well. As sequel to this maxim, efforts have been made from time to time to measure the financial position of each bank and manage it efficiently and effectively.Indian banking sector widely includes commercial, nationalized, co-operative, private and international banks in its fold. In the present study an attempt is made to evaluate the financial performance of three major commercial banks (IOB, Canara Bank and Syndicate Bank) using CAMEL

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kumar, K. Ashok, Ajay Chakraborty, Keneingunuo Pfuse, Sahida Begum, and Sonam Das. "A Study on Contribution of Pradhan Mantri Jan-Dhan Yojana for mobilization of savings and effective utilization of social sustainable livelihood - A Special Reference to Dimapur District in Nagaland." International Journal of Science and Social Science Research 1, no. 3 (2023): 198–216. https://doi.org/10.5281/zenodo.13623111.

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Bringing every household within the grasp of banking system has been the key policy concern for the policy makers ever since the nationalization of banks in 1969.In order to ensure financial inclusion various initiatives were taken up by RBI like nationalization of banks, expansion of banks branch network, establishment & expansion of co-operative and RRBs, introduction of priority sector lending, lead Bank Scheme, formation of SHGs and state specific approach for government sponsored schemes to be evolved by SLBC (State Level Bankers Committee) etc. 100% financial inclusion is still a dre

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N, Selvaraj. "CUSTOMER SERVICE IN BANKS AND ITS IMPORTANCE IN TAMILNADU." ICTACT Journal on Management Studies 7, no. 3 (2021): 1422–30. https://doi.org/10.21917/ijms.2021.0203.

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The problems in promoting of bank services in urban and semi-urban square measure as are completely different. The sort of services needed differs in urban and rural square measure as and stratified services are required within the industry. Folks have a large selection of services and a multiplicity of product desires. However, they’re continually tuned in to convenience, cost, safety, speed, respect, quality, courtesy and class. The current day bankers got to reply to the wants of the shoppers during this intensely competitive and quickly ever-changing atmosphere. A bank is an establishment

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Dr. B. Balaji Naik and Prof. Srinivasulu bayineni. "Banking Sector Reforms: Its Impact on Agricultural Finance in India." International Journal of Linguistics Applied Psychology and Technology (IJLAPT) 2, no. 04(April) (2025): 35–44. https://doi.org/10.69889/ijlapt.v2i04(april).111.

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With the modernization of agriculture in the mid-1960s, the demand for short-term and long-term agricultural credit started rising at a rapid rate as the farmer has to purchase costly inputs like fertilizers, HYV seeds, pesticides, etc. from the market. Capital, together with scientific knowledge, played a very significant role in increasing the productivity of agriculture. This had shifted the government’s attention from co-operative based approach to state-owned banks to create an alternative source of finance to free the farmers from the grip of moneylenders. Several committees/working grou

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Osasona, Kehinde Kikelomo, Mercy Funke Salami, Olamide Faith Rotimi, Kafayat Yemisi Belewu, and John Oluwaseun Bonire. "Credit assess and welfare status of smallholder: evidence from farmers in Kwara state, Nigeria." Perspectivas Rurales Nueva Época 22, no. 43 (2024): 1–21. http://dx.doi.org/10.15359/prne.22-44.1.

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Lack of proper access to credit poses a major threat to agricultural production and food security globally, yet commercial bank, co-operative societies, microfinance banks, agricultural development programs, non- governmental organizations, government agricultural schemes offer loans to low-income individuals who have need of it despite the challenges encountered in accessing and managing it by farmers. However, there is limited research on the effectiveness of credit programs in improving the welfare of smallholder farmers in Kwara state, Nigeria. Therefore, the nexus between credit assess an

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Sodeeq, A. E., A. G. Ibrahim, L. O. Lamidi, and A. K. Famuyiwa. "Comparative Financial Analysis among Two Actors of Cassava Value Chain in Oyo State." Greener Journal of Agricultural Sciences 10, no. 1 (2020): 34–42. https://doi.org/10.15580/gjas.2020.1.01142008.

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Value chain has been perceived as an efficient strategy and magic formula for development of sustainable agriculture in Nigeria. Unfortunately, the issue of finance specificity which is a paramount element in value chain development is left out in many studies on cassava value chain. This study thus comparatively investigated finance analysis among two actors of cassava value chain in Oyo State, Southwestern, Nigeria. Data were collected using structured questionnaire administered to respondents (150 farmers and 150 processors) selected by multistage sampling techniques across Agricultural Dev

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Dr., P. Devi. "A STUDY ON THE ASCERTAIN INCOME, EXPENDITURE AND SAVING PATTERN OF GULF RETURNED IN MALAPPURAM DISTRICT." International Journal of Interdisciplinary Research in Arts and Humanities 3, no. 1 (2018): 329–32. https://doi.org/10.5281/zenodo.1296459.

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Kerala is a developing state in India. There are a large number of Keralities working in gulf countries. The Keralities are working in different segments of gulf countries and their incomes are transferred to Kerala. The Keralities contribute enough foreign exchanges to our country.  This helps the country to sustain its foreign exchange reserve. So the keralities play a vital role in the contribution of foreign money. Since 1980‘s many people in Kerala seek their fortune in gulf countries they earn handsome income which they invest in the Kerala in form of fixed deposit in banks, d

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Chandel, Seema, and Guru Swarup. "Rural banking system through credit and its effect on agricultural productivity in nagrota bagwan block in Kangra district of himachal pradesh." Journal of Management and Science 1, no. 1 (2015): 83–90. http://dx.doi.org/10.26524/jms.2015.8.

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Present study was confined to Kangra district of Himachal Pradesh. In this study Nagrota Bagwan block was selected randomly. A list of farmers, who had borrowed agricultural loan, was obtained from different banks and a sample of 50 beneficiaries was obtained from this block. The existing agricultural credit system in the study area showed that, Punjab National Bank, Himachal Gramin Bank,The Kangra Central Co-operative Bank and State Bank of Patiala, State Bank of India were operating.Overall % accessibility of sampled beneficiaries to the credit indicated that about 90 % of the loan applied w

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Raju, Swati. "ASSESSING THE EFFICIENCY OF URBAN CO-OPERATIVE BANKS IN INDIA." Central European Review of Economics and Management 2, no. 1 (2018): 11. http://dx.doi.org/10.29015/cerem.550.

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Aim: Urban Co-operative Banks are a small segment albeit significant constituent in the multi-stage credit delivery mechanism of the banking sector in India. These banks have an organisational, managerial and regulatory structure different from commercial banks. It is, therefore, of interest to study the efficiency with which these banks perform their core banking and off balance sheet activities. This paper focuses on the measurement of efficiency in the conduct of core banking and off balance sheet activities for the period 2013-14 to 2015-16. Design / Research methods: The main idea is to e

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TURATI, GILBERTO. "Different contracts in the Civil Code for different organizations in the market: comparing co-operative and stock banks using a cost frontier approach." Journal of Institutional Economics 6, no. 4 (2010): 543–67. http://dx.doi.org/10.1017/s1744137410000184.

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Abstract:In this paper, I propose an empirical test of the main prediction of the theoretical literature on the firm as an incentive structure using data on the Italian markets, where two types of co-operative banks co-exist together with stock banks. I estimate a standard translog cost frontier and I derive cost efficiency scores. Kruskall–Wallis tests indicate that mean efficiency scores are statistically different among the three types of banks, providing empirical support to the theoretical prediction that different organizations represent different incentive structures. Moreover, co-opera

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Shirsat, Mr Sagar Suresh, and Prof S. B. Waghole. "Review Paper- A Study of TJSB Bank’s Term Loan Products Through V Loans." INTERANTIONAL JOURNAL OF SCIENTIFIC RESEARCH IN ENGINEERING AND MANAGEMENT 08, no. 12 (2024): 1–8. https://doi.org/10.55041/ijsrem39426.

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With the modest beginning in 1972 in the co- operative field, TJSB Sahakari Bank Ltd (TJSB) and has emerged as one of the leading multi-state scheduled co-operative Bank in the country. TJSB presently is catering to the needs of society through a close network of 64 Branches and 1 Extension Counters spread all over the city of Thane, Mumbai, Navi Mumbai, Nasik, Pune, Satara, Aurangabad, Kolhapur, Nagpur, Latur, Goa & Karnataka. All these Branches have made remarkable progress on all fronts in all these years. TJSB believes that "customer delight" is the ultimate goal and has a strong belie

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Ogum, Effy Akinyi, and Ambrose Jagongo. "Investment Decisions and Financial Performance of Deposit Taking Savings and Credit Co-Operative Societies in Nairobi City County, Kenya." International Journal of Current Aspects in Finance, Banking and Accounting 4, no. 1 (2022): 72–90. http://dx.doi.org/10.35942/ijcfa.v4i1.233.

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It is a requirement for Kenyan SACCOS to conform to regulations set by Sacco Societies Regulatory Authority (SASRA). Deposit Taking (DT) SACCOS are very instrumental towards the financial sector in serving an increasing number of rural and urban households. They are required to submit their statements of financial position, deposit returns statement, investments report, statement of liquidity and capital adequacy return reports. With varying degree of success, DT-SACCOS has invested in non-core business areas. This is especially true of DT-SACCOS which have liberalized their investment portfol

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Pande, Pooja D., and Rekha M. Gulhane. "A STUDY OF THE PROGRESS OF MAHARASHTRA STATE CO-OPERATIVE BANK." ShodhKosh: Journal of Visual and Performing Arts 5, no. 7 (2024). https://doi.org/10.29121/shodhkosh.v5.i7.2024.4641.

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State Co-operative banks functions as the apex bank of all the co- operative banks in the state. Being the bank of all District Central Co-operative banks. State Co-operative Bank accepts deposits from its members among District central co-operative banks, individual members as well as co-operative societies. The bank also accepts deposits from Zilla Parishad, educational institutions, municipal council, etc. The State co-operative banks accept deposits on a large scale and fulfil the requirement of working capital of District Central co-operative banks.

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Prof., Revati Ramrao Rautrao, and G. Gopalkrishnan Dr. "HUMAN RESOURCE DEVELOPMENT IN THE URBAN CO-OEPARATIVE BANKS -AN INDIAN PERSPECTIVE." January 25, 2018. https://doi.org/10.5281/zenodo.6939519.

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In the broadest term, co-operation is basically an economic system with social content and outlook. The concept of human resource development (HRD) in cooperative sectors is a recent phenomenon. Hence, it has remained neglected in the national psyche. Generally, co-operative institutions constitute to organizational elements namely business enterprise, and social institutions signifying associations of persons. The growth of non-agricultural co-operative sectors consists of two parts: (a) State Co-operative Bank and (b) State Industrial Co-operative Bank. The State Co-operative Bank federates

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Dr. Rekha M. Gulhane and Ku. Pooja D. Pande. "Analytical Study of Managerial Function in Urban Cooperative Banks in Nagpur City (2016 to 2021)." International Journal of Advanced Research in Science, Communication and Technology, November 17, 2022, 84–86. http://dx.doi.org/10.48175/ijarsct-7420.

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The term Urban co-operative Bank’s refers to Primary Co-operative Banks located in Urban and semi-Urban Areas. Until 1996, these Banks were Only Permitted to lend money for non-Agricultural Purposes. This Distinction is non longer valid today. Traditionally, these bank’s were Centered on Communities, Localities, and Workplace Group’s. They Primarily gave loans to small borrowers and businesses. Their Scope of operations has expanded Significantly Since then. They are registered and governed by the respective state’s. co-operative societies Acts, as well as the banking regulation Act of 1949, a

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Dr., Jagannath K. Khemnar. "The growth of co-operative segments in Maharashtra." June 25, 2021. https://doi.org/10.5281/zenodo.6949795.

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The availability credit facility is the major challenges in every business. Specifically, it is very crucial in agriculture. The return from agriculture is not guaranteed so as it become neglected from various a credit source. At the same time a large proportion of population remains engaged in agriculture and without credits the cultivations would not begin. This picture underlined the importance of credit facility. Since long in India, there were credit facilities which have supplied to agriculture through the money lenders, relatives, friends and landlords. Under the British rule , the

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B., D. Mishra, and Shriwas Vaishali. "Functioning of District Central Cooperative Banks in Chhattisgarh." August 22, 2023. https://doi.org/10.5281/zenodo.8271623.

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<strong>Abstract: </strong>The functioning of the cooperative credit system in India is characterized by two distinct arrangements. There are two categories of credit structures: short-term and long-term. This paper focuses solely on evaluating the functioning of the short-term credit system. Primary Agricultural lending Societies form the bedrock of the short-term lending system, with linkages to both District Central Co-operative Banks and the State Co-operative Bank. To reflect its status as a federal organization, the DCCB welcomes participation from all PACS and other associated functiona

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Bhulal, Vipan Kumar. "Financial Performance of Cooperative Banks in India: A Case study of Kangra Central Co-operative Bank." MUDRA : Journal of Finance and Accounting 3, no. 2 (2017). http://dx.doi.org/10.17492/mudra.v3i2.7894.

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Performance and efficiency of co-operative banks are the key elements of a country’s financial system at primary level. The co-operative societies in India, in fact, are playing multifunctional role in both rural as well as urban areas. This paper explores the financial growth and performance of Kangra Central Co-operative bank in Himachal Pradesh, which is the largest co-operative banks in the state. The main objective of the study is to analyse the performance and present financial position of the Kangra Central Co-operative bank in Himachal Pradesh with regard to its branches, ATMs, custome

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Dr., Dilip S. Patil. "ROLE OF MAHARASHTRA STATE CO-OPERATIVE BANK LTD. IN RURAL DEVELOPMENT WITH REFERENCE TO KONKAN REGION IN MAHARASHTRA." February 24, 2021. https://doi.org/10.5281/zenodo.7236140.

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Rural development is the process of improving the quality of life and economic well-being of the people living in rural areas often relatively isolated and sparsely populated areas. Education, Entrepreneurship, Physical Infrastructure, Social Infrastructure, Technology and Innovation all play an important role in the development process. Rural development is necessary, not only for overwhelming majority of population living in villages, but also the development of rural activities essential to accelerate the pace of overall economic development of the country. Co-operation is a worldwide pheno

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-, Rajni. "Growth and Performance of Primary Cooperative Agricultural and Rural Development Banks in District Patiala." International Journal For Multidisciplinary Research 5, no. 2 (2023). http://dx.doi.org/10.36948/ijfmr.2023.v05i02.2712.

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Cooperative banking or cooperative credit societies have a very important role to play in the Indian financial system and especially in the sphere of rural finance. The first LDB was started at Jhang in Punjab in 1920. The Punjab State Co-operative agricultural and rural development bank is an Apex Bank and Primary Co-operative agricultural and rural development banks are playing a key role in meeting credit requirement of rural population at Taluka level as its member Banks. There are 89 beside two others Primary Co-operative agricultural and rural development banks in Punjab as on 31st march

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"Financial Performance of Bharat Co-Operative Bank – An Appraisal." International Journal of Recent Technology and Engineering 8, no. 6 (2020): 571–76. http://dx.doi.org/10.35940/ijrte.f7376.038620.

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Today, the lending sector is considered as the fastest rising sectors, also plenty of funds is been devoted in banks. Thus it involves so much of complexity and proper evaluation of its performance is needed. There are various models available for assessing the routine act of the bank. In this study we uses CAMEL model as an instrument to estimate the budgetary presentation of Bharat Cooperative bank. This model comprises of Capital Adequacy, Management Efficiency, Asset quality, Liquidity and Earnings. Bharat Cooperative bank has been selected for the time period of 2014-18 for studying and e

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