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  • Local Area Banks (LABs)

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    Abhishek Yadav
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    Local Area Banks (LABs) Do we require LABs? when 2 or 3 Districts LAB Scheme Scope Mobilizing Savings and Bridge the gap in Credit Availability Why Cooperative Banking Premises Local knowledge local leadership. Reasons of Failure Poor mobilization of local resources Ineffective leadership Poor monitoring of end use of credit mounting overdues.

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    Local Area Banks (LABs) Do we require LABs? when 2 or 3 Districts LAB Scheme Scope Mobilizing Savings and Bridge the gap in Credit Availability Why Cooperative Banking Premises Local knowledge local leadership. Reasons of Failure Poor mobilization of local resources Ineffective leadership Poor monitoring of end use of credit mounting overdues.

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    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd
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    16 views12 pages

    Local Area Banks (LABs)

    Uploaded by

    Abhishek Yadav
    Local Area Banks (LABs) Do we require LABs? when 2 or 3 Districts LAB Scheme Scope Mobilizing Savings and Bridge the gap in Credit Availability Why Cooperative Banking Premises Local knowledge local leadership. Reasons of Failure Poor mobilization of local resources Ineffective leadership Poor monitoring of end use of credit mounting overdues.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PPTX, PDF, TXT or read online from Scribd
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    of 12

    Local Area Banks (LABs)

    Do we require LABs?

    LABs ????
    1996

    When

    2 or 3 Districts

    LAB Scheme
    Scope

    Mobilizing Savings & Bridge the gap in Credit Availability

    Why

    Cooperative Banking
    Premises Local knowledge Local leadership Reasons of Failure Poor mobilization of local resources Ineffective leadership Poor monitoring of end use of credit Mounting overdues

    Next Step

    ..

    Positive Impact
    New approach to bear on the provision of credit for agriculture With their superior material and human resources

    Why Failed?
    Problems of overdues High cost structure

    Next Step

    35%

    RRBs 50% 15%

    35%

    Success Factors:
    Lower scales of compensation for their staff than their sponsor banks

    RRBs
    50% 15%

    Subsidized refinance from their sponsor banks and NABARD

    New compensation policy


    Problems of mounting overdues Uneasy industrial relations

    Local Knowledge & Local Leadership

    Professional Ethos & Best Practices

    Structure and Functions


    Capital

    Promoters

    LABs
    Area of Operations Scope of Activities

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