Rural Banking

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Rural Banking engages the attention of the bankers to a great extent. A large number of bankers are involved directly or indirectly in transformation of the rural sector. Hence the importance of rural banking to banks. The book presents different dimensions of rural banking in the country. It traces various schemes and programmes introduced for rural development, where banking system has to play an active role. The rules and regulations introduced from time to time by the controlling authorities in rural banking and the roles of all financial institutions working in rural areas are covered in detail. The book follows the syllabus prescribed for one of the optional papers of CAIIB. It is divided into four Modules dealing with basic features of rural economy; financial services in the rural areas: priority sector lending, poverty alleviation programme; provision for housing and education loans, problems and prospects of rural banking including micro-credit and self-help groups. The books aims to introduce the subject of rural banking to the students and lay man alike to familiarize with the problems, issues, challenges and opportunities present in the rural banking front to enable them to effectively participate in the development of the rural sector. About The Author Indian Institute of Banking & Finance (IIBF) formerly The Indian Institute of Bankers, established in 1928, is a professional body of banks, financial institutions and their employees in India. During its 82 years of service, IIBF has emerged as a premier institute in banking and finance education for those employed in the sector, aiming for professional excellence. Since its inception, the Institute has awarded over 5 lakh banking and finance qualifications, viz; JAIIB, CAIIB, Diplomas and Certificates in specialized areas. The pedagogy of Distance Learning offered by the Institute comprises (I) Publishing specific courseware for each paper/examination; (II) Publishing work books; (III) Holding tutorials through accredited institutions; (IV) Organizing contact classes; (V) conducting virtual classes; (VI) Offering e-learning through portal; (VII) Organizing campus training for selected courses, etc. Table Of Contents Module A: Rural India Demographic Features 3 Characteristics of Rural Society Economic Features Infrastructure Agriculture Economy Rural Development Policies Rural Issues Module B: Financing Rural Development Regulation of Rural Financial Services Rural Credit Institutions Financing Agriculture/Allied Activities Financing Rural Non-Farm Sector (RNFS) SME Finance Module C: Priority Sector Financing And Govt. Initiatives Priority Sector Lending Poverty Alleviation Programmes Rural Housing and Education Loans Module D: Problems And Prospects In Rural Banking Role of Rural Banking Emerging Trends in Rural Banking Transaction Cost and Risk Cost Financing Poor as Bankable Opportunities Micro Credit and Self-help Groups