You are on page 1of 12

RESEARCH DESIGN SEMINAR

IMPACT OF CO - OPERATIVE
BANKS ON THE PRIORITY
SECTOR LENDING IN RANGA
REDDY DISTRICT
by
RAAVI.RADHIKA
Associate Professor,
Department of Management
AURORA P.G CENTER
under the supervision of
Dr. K.TRIVIKRAM RAO
Institute of Public Enterprise
Osmania University
INTRODUCTION

 CO-OPERATIVE LENDING BANKS CAME INTO
EXISTENCE IN 1912
 CO-OPERATIVE BANKS ARE ORGANISED AND
MANAGED ON THE PRINCIPLE OF
COOPERATION, SELF HELP AND MUTUAL HELP
 THEY FUNCTION ON NO PROFIT AND NO LOSS
BASIS
 THEY PROVIDE FINANCIAL ASSISTANCE TO
AGRICULTURE AND RURAL SECTORS
STRUCTURE OF COOPERATIVE
BANKS
COOPERATIVE
BANKING STRUCTURE

RURAL COOPERATIVE URBAN COOPERATIVE
BANK BANK

SHORT TERM COOPERATIVE LONG TERM COOPERATIVE PRIMARY COOPERATIVE
CREDIT INSTITUTES CREDIT INSTITUTES BANKS

STATE LEVEL COOP
SCARDB’s
BANKS

DISTRICT LEVEL
PCARDB’s
COOP BANKS

VILLAGE LEVEL
COOP BANKS
PROPOSED DESIGN OF STUDY

CHAPTER CONTENTS
CHAPTER NO. I INTRODUCTION
 Impact Co-operative banks on priority sector
Objectives, Need, Problem, Scope & Area of the Study

Sample Design & Period of the Study

Methodology & Analytical Tools

Presentation of the Study

CHAPTER NO. II REVIEW OF LITERATURE ON PRIORITY SECTOR LENDING

CHAPTER NO. III GENESIS AND CONCEPT OF PRIORITY SECTOR LENDING

CHAPTER NO. IV SOCIO-BANKING PROFILE OF RANGA REDDY DISTRICT

CHAPTER NO. V ANALYSIS OF PSL LENDING TARGETS
CHAPTER NO. VI CO OPERATIVE BANKS AND FINANCING OF PRIORITY SECTOR
– METHODS AND PROCEDURES
CHAPTER NO.VII PRIORITY SECTOR LENDING, UTILISATION & IMPACT

CHAPTER NO. VIII SUMMARY OF FINDINGS,CONCLUSIONS
ANDRECOMMENDATIONS
CHAPTERISATION
CHAPTER – 2 CHAPTER - 3
CHAPTER - 1 Concept of
Literature Review priority sector
Introduction lending

CHAPTER 8
Findings &Conclusions CHAPTER - 4
Suggestions Socio-banking profile
& Recommendations

CHAPTER - 6 CHAPTER - 5
CHAPTER – 7 assesses the methods
Impact of analysis of
priority sector credit and procedures of PSL lending
priority sector lending targets
OBJECTIVES OF THE STUDY

 To trace out the genesis and concept of priority sector lending.
 To make an assessment of the Co operative banking developments in the Ranga
Reddy District.
 To review the performance of implementation of priority sector lending scheme.
 To examine whether the banks have met the objectives and targets related to
priority sector lending.
 To analyse the credit utilisation pattern by the borrowers.
 To enquire into the nature of repayment of loans and to identify the major problems
involved.
 To evaluate the impact of priority sector credit on the income and employment
levels of the borrowers.
 To identify the problems and difficulties experienced by banks and borrowers in the
implementation of the scheme.
 To offer suggestions on the basis of the findings and conclusions of the study, so
that deficiencies and shortcomings can be rectified.
DATABASE AND
METHODOLOGY
 The study will be conducted in two stages.
 In the first stage, primary data will be collected through
field survey through questionnaires and Interviews.
 In the second stage required data is collected from
government publications, RBI Bulletins, statistical
returns, information from related websites, etc.
 The data thus generated through the above two
stages will be analysed with statistical tools like
mean, standard deviation, percentage, correlation,
Regression, chi- square, other non parametric tests etc.
NEED FOR THE STUDY

 The regional imbalances affect the banking habits of people and the
programmes which have been introduced by banks concerned. Due to the
variations in the opinions among the people it becomes essential to draw
a common objective to give a clear ideology about the functioning of the
concerned banks and beneificiaries, it is felt necessary to study the
problems of both farmers and banks in both areas i.e. financially advanced
and backward reasons.

 Through the study credit schemes should be thoroughly examined from
the point of view of economic viability, repayment capacity infrastructure
support to and functional linkages of the purpose of loan with other
activities and development programmes, staff required to implement
schemes, etc.

 Disseminate information through media, literature and other means (local
body meetings) about the credit schemes by co operative banks to the
beneficiaries.

 Eliminating as far as possible the Money lenders who are expensive and
SCOPE OF THE STUDY
&
SURVEY DESIGN

 This study covers the priority sector lending by all
primary level co operative banks. Multistage sampling
frame work will be used in the survey design. At the
first stage, 37mandals and 3 Revenue divisions in
Ranga Reddy District of Andhra Pradesh on which the
research study is focused.
 From each revenue division 100 beneficiaries are
selected. Thus the sample size consist of 300
beneficiaries and 50 bank staff. Random sampling
techniques will be applied in selecting the respondents.
The Beneficiaries include 60 from the agricultural
sector, 45 from the SSI sector, 120 from the
government- sponsored schemes and 75 from the other
sectors.
REFERENCE PERIOD

 The study is more qualitative than quantitative.
Hence the length of the study is more
qualitative than quantitative.
 Primarily, detailed analysis of Priority sector will
be taken from last five years, i.e., from 2003-
08.
 The reference period for the collection of
primary data is six months from July to
December 2009. 10
REVIEW OF LITERATURE
 REVIEW OF STUDIES CONDUCTED BY
GOVERNMENT COMMITTEES, FINANCIAL
INSTITUTES, BANKS, ETC.

 REVIEW OF BOOKS AUTHORED BY
EMINENT PERSONALITIES IN PRIORITY
SECTOR.

 REVIEW OF INFORMATION MADE
AVAILABLE BY RESEARCHERS ON THE
SUBJECT
11
CONCLUSION

PROJECT WORK WILL BE BASED ON THE
ABOVE MENTIONED SCIENTIFIC
METHODS, TOOLS, AND REVIEWS.

ANY SUGGESTIONS / MODIFICATIONS
REGARDING THE METHODS TO BE
FOLLOWED ARE SOLICITED.
THANK YOU