wD THE INSTITUTE OF BANKI Banking Diploma Exa DAIBB AGRICULTURE AND MICROFINANC Time—3 hours Full marks~-100 : Pass marks—S0 , BANGLADESH tion, May, 2011 AM) ye [N.B.—The figures in the right margin indicate fill marks, Answer any five @ (b) . (a) (b) . (a) (b) @ @ - (a) (b) questions.] What are the main constraints to raise agricultural productivity in Bangladesh? Do you advocate government subsidy for farm machinery and irrigation equipments for the farmers for raising agricultural productivity? Discuss the impact of climate changes in our agriculture. What measures should be taken to protect or minimize the effects of natural hazards on agricultural operation? What are the causes of rising prices of foodgrain in Bangladesh? What measures should be taken to stabilize the prices of foodgrain? Distinguish between food self-sufficiency and food security. Critically analyse the food procurement and subsidized food distribution policy of the government. Distinguish between micro-credit and micro-finance. Give a brief account of the growth of micro-credit institutions and their impact on poverty alleviation in Bangladesh. Financing of the SME sector is very important for job creation—Discuss. What is the role of the banks in the development of SME sector? “Development of Bangladesh largely depends on the development of agriculture”——How the bank finance can contribute in this development? What improvement do you suggest of the present rural financing policy for the greater contribution in agricultural sector? What is meant by Rural Non-Farm (RNF) sector? Discuss the role of BKB and RAKUB for the development of this sector. Do you think the private commercial banks should be involved in financing the RNF sector for solving the rural unemployment problem? Marks 12 20 10 10 [Please turn over7. (a) (b) 8. (a) (b) (b) 10. What factors are considererd by the banks for financing an agro- based project? How a financing bank can assist for rehabilitation of a sick project? Discuss the sources of fund of NGO and MFI. What elements are considered in determining cost of fund and lending rates by the NGOs/MFls in micro-financing? Do you think that NGOs/MFls are charging higher rates of interest than the banks? Describe the importance of credit pass-books during sanction & disbursement of rural credit. What are the contents of the credit pass-book? Write short notes on any four of the followings :-— (a) Overdue and classified loan; (b) High value crops and hybrid crops; (c) Annual agricultural credit plan; (d) Subsistence farming: (ec) Multiple Cropping; () Share Cropper. Marks, 10 10 10 5x4=20