Shah, Deepak (2007): Rural Credit Delivery System in Maharashtra: Some Emerging Issues. Published in: Artha Vijnana , Vol. Volume, No. March - June, Nos. 1&2 (10. June 2005): pp. 127-148.
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An investigation into rural credit delivery system in Maharashtra shows slower growth in institutional finances through commercial banks, credit cooperatives, RRBs and LDBs, particularly during the decade of 1991-2000, which is mainly due to adverse environment created by the financial sector reforms. Due to unfavourable policy framework, the entire rural credit delivery system is reduced to a moribund state. High transaction costs and poor repayment performance are the twin root causes of the moribund state of rural credit delivery system. With a view to revive the agricultural credit delivery system, there is need to adopt innovative approaches like linking of Self-Help Groups (SHGs) and Non-Government Organizations (NGOs) with mainstream financial institutions. The revival of rural credit delivery system of Maharashtra also depends on strategies that are required for tackling issues such as sustainability and viability, operational efficiency, recovery performance, small farmer coverage and balanced sectoral development of the state.
|Item Type:||MPRA Paper|
|Institution:||Gokhale Institute of Politics and Economics|
|Original Title:||Rural Credit Delivery System in Maharashtra: Some Emerging Issues|
|Keywords:||Rural Credit Delivery|
|Subjects:||R - Urban, Rural, Regional, Real Estate, and Transportation Economics > R1 - General Regional Economics > R11 - Regional Economic Activity: Growth, Development, Environmental Issues, and Changes|
|Depositing User:||Deepak Shah|
|Date Deposited:||06. Jul 2007|
|Last Modified:||12. Feb 2013 08:30|
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