OP galt RNY WRAY ID x sie macmillan education | eee ar eZCONTENTS Foreword MODULE A: RURAL INDIA 1, Demographic Features Characteristics of Rural Society Economic Features Infrastructure we Agriculture Economy Rural Development Policies a Issues Conceming Rural Areas MODULE B: FINANCING RURAL DEVELOPMENT 8. Regulation of Rural Financial Services Rural Credit Institutions 10. Finan 11. Financing Rural Non-Farm Sector 12. SME Finance 1g Agriculture and Allied Activities 13. Concepts of Project, Aspects of Project Formulation & Appraisal & Model Bankable Projects MODULE C: PRIORITY SECTOR FINANCING AND GOVT. INITIATIVES 14, Priority Sector Lending 15. Poverty Alleviation Programs 16. Rural Housing and Education Loans 17, Initiatives of RBI under Financial Inclusion & Financial Education Programs and Implementation of Various Poverty Reduction Programs MODULE D: PROBLEMS AND PROSPECTS IN RURAL BANKING oo Eee BANKING 18, Role of Banking ~ Emerging Trends in Rural Banking Characteristics of Rural Society 19. Role of Technology in Financial Inclusion and Rural Development 20. Financing Poor as Bankable Opportunities: Micro Credit and Self Help Groups References 26 40 60 76 106 130 441 461 473 484RURAL BANKING SYLLABUS MODULE A: RURAL INDIA Demographic Features Population; Literacy; Sixth Economic Census; Agriculture Census; Socio Economic Development Indicators; Health; Nutrition; Education; Rural-Urban Migration Characteristics of Rural Society Social Stratification; Local Institutions; National Institute of Rural Development and Panchayati Raj (NIRD & PR) Economic Features Agriculture; Non-Farm Activities; Gross Domestic Product and Gross Value Added; Rural Money Markets ~ Formal and Informal Rural Money Markets; Rural Indebtedness; Rural Poverty; Different Methods of Measuring Poverty Line; Sustainable Development Goals Infrastructure Infrastructure in India; Transport; Markets; Rural Electrifi Agriculture Economy Structure and Characteristics of Indian Agriculture; Role of Agriculture in Economic Development; Agriculture-Industry Linkage; Issues in Economic Development; Resources in Agriculture; Technical Change in Agriculture; Constraints in Agricultural Development; Emerging Issues in Agriculture; National Mission for Sustainable Agriculture (NMSA) Rural Development Policies Rural Development Schemes; Skill Development and Entrepreneurship Initiatives; Shyama Prasad Mukherji Rurban Mission (SPMRM); Programs for Development of Backward Areas; Power Supply to Rural India Program; Development of Dryland Farming; Soil and Water Conservation; Rural Infrastructure Development Fund; Economic Reforms; Financial Sector Reforms; Impact of Reform in Rural Economy; Reforms after 1998-99 Issues Concerning Rural Areas Components of Rural Development; Approaches to Rural Development since Independence; Sustainable Rural Development; Necessity for Rural Development; Measures for Development; Rural Development and Rural Management; Key Issues Concerning Rural Management; Marketing Management; Importance of Agricultural Prices tion; Other Services MODULE B: FINANCING RURAL DEVELOPMENT Regulation of Rural Financial Services Overall Set Up of Rural Financial Institutions (RFIs); Function and Policies of RBI in Rural Banking; Role and Functions of NABARD; Lead Bank SchemeRural Credit Ins tions Cooperative Credit System; Regional Rural Banks; Commercial Banks and Rural Financing; Other Financial Institutions Catering to Rural Areas; Initiatives for Augmenting Credit Flow; Role of Information and Communication Technologies in Rural Banking; Rural Development Banking Initiatives for Inclusive Growth; Rural Insurance and Micro Insurance; Micro Finance Institutions, Concept of Business Facilitators and Business Correspondents in Rural Banking, Financing Agriculture and Allied Activiti Crop Loans ~- Production Credit; Features of Kisan Credit Card Scheme; Basie Features of NABARD Refinance Support to Cooperative Banks and RRBs for Crop Production; Bank’s Role in Provision of Relief in Areas Affected by Natural Calamities; Term-Loans for Agriculture and Allied Activities Features of Major Sectors for which Opportunities are Available for Provision of Term Credit by Banks Advance against Gold Ornaments Financing Rural Non-Farm Sector. Rural Non-Farm Sector ~ Facilitative Set Up, Importance, Structure and Growth, Strength and Issues Concerning the Sector: Promotion of Traditional Industries; Raw Material Supply — Arrangements: Marketing Assistance; Institutional Finance; Technology Development and Training, SME Finance Definition of SME; Importance of the sector to the Indian Economy; Arrangements for provision of credit to the MSME sector; Appraisal of MSME loan proposals ~ techniques and Requirement assessment of Projects for term loans; SIDBI’s assistance to the MSME Sector and its development role; Policy prescriptions of RBI for the growth of MSME Sector; Initiatives taken by GOI for the development of MSME Sector; Problems faced by MSMEs; Delayed Payments to Micro and Small Enterprises under the Micro Small and Medium Enterprises Development (MSMED) Act, 2006; Performance and Credit Rating Scheme (PCRS): Framework for Revival and Rehabilitation of MSMEs Concepts of Project, Aspects of Project Formulation & Appraisal & Model Bankable Projects Aspects of Project Preparation; The Project Cycle; Minor Irrigation Schemes; Lift Irrigation; Financing Micro Irrigation Structures; Land Development Schemes; Farm Mechanization; Financing Plantation and Horticulture; Dairy Development Schemes; Poultry Farming; Sheep Breeding: Goat Rearing; Pisciculture: Bee Keeping; Financing Rural Godowns; Financing Sericulture; Financing Mushroom Cultivation MODULE RIORITY SECTOR FINANCING AND GOVT. INITIATIVES. Priority Sector Lending Evolution of Priority Sector Lending; Guidelines on Priority Sector Lending ~ Categories; Non- Achievement of Priority Sector Targets; Common Guidelines for Priority Sector Loans; Priority Sector Credit Achievement Poverty Alleviation Programs Poverty Assessment and Way Forward; Initiatives of the Government — Features of the Schemes Implemented for Poverty Reduction; Welfare Schemes Rural Housing and Education Loans Rural Housing an Introduction; Pradhan Mantri Awas Yojana (Grameen); Education LoanInitiatives of RBI under Financial Inclusion & Financial Education Programs and Implementation of Various Poverty Reduction Programs National Strategy for Financial Inclusion; National Strategy for Financial Education; Direct Benefit Transfer; Guidelines Issued by RBI under NRLM/NULM; Relief Measures by Banks in areas Affected by Natural Calamity-RBI Guidelines to Banks; Credit Facilities to SCs/STs; Credit Facilities to Minority Communities; Poverty Alleviation/Employment Generation Programs MODULE D: PROBLEMS AND PROSPECTS IN RURAL BANKING Role of Banking ~ Emerging Trends in Rural Banking Characteristics of Rural Society Present Scenario; Areas of Concer and Actions Pursued; Present Focus on Banking in Rural Areas: Inclusive Banking Activities Role of Technology in Financial Inclusion and Rural Development Transformational Role of Digital Technologies; Technology for Adoption of Improved Agricultural Practices; Scope for Using Digital Technology for Growth in Agriculture: Moder Management of Agriculture ~ Possible Technological Components; Benefits of Usage of Technology in Agriculture for the Society and the Nation; Common IOT Devices/Equipment in Agriculture for Agri-Solutions: Technology and Value Chain Operations; Progress of IOT in World Agriculture: Progress of IOT in Indian Agriculture; Other Initiatives for Development of Rural Areas; Financial Technology in Financial Inclusion Space Financing Poor as Bankable Opportunities: Micro Credit and Self Help Groups Microcredit Delivery Models; SHG-Bank Linkage Program (SBLP) Approach; Micro Finance Institutions (MFIs); Role of NABARD as Microfinance Facilitator; SIDBI & Micro Credit; Initiatives by RBI and GOL