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University of Agricultural Sciences, Dharwad

The University of Agricultural Sciences, Dharwad was established on October 1, 1986. The University has 5 Colleges, 27 Research Stations, 6 Agriculture Extension Education Centers, 6 Krishi Vigyan Kendras and ATIC. The University has its jurisdiction over 7 districts namely Bagalkot, Belgaum, Bijapur, Dharwad, Gadag, Haveri, and Uttar Kannada in northern Karnataka. Greater diversity exists in soil types, climate, topography cropping and farming situations. The jurisdiction includes dry-farming to heavy rainfall and irrigated area. Important crops of the region include sorghum, cotton, rice, pulses, chilli, sugarcane, groundnut, sunflower, wheat, safflower etc. The region is also known for many horticultural crops. Considerable progress has been registered in the field of education, research and extension from this University.

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20161
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Thesis Type: Ph.D. × Author: Srikanth H.S. ×
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    ThesisItemOpen Access
    Performance and Impact of Regional Rural Banks – a Case Study of Karnataka Vikas Grameena Bank in Karnataka
    (University of Agricultural Science, Dharwad, 2016-09) Srikanth H.S.; Karnool, N.N.
    In recent years, several changes have taken place in the structure and operation of the Regional Rural Banks in the wake of financial sector reforms in India and various measures have been taken by the Government to improve the commercial viability of RRBs. With this background, an attempt was made during 2013-14 to evaluate the performance of Karnataka Vikas Grameena Bank. It is having head office in Dharwad and operations in nine districts of Karnataka. A multistage random sampling procedure was adopted to select the required samples. Primary data was collected from bank beneficiaries and bank officials. Secondary data were collected from KVG Bank. Study period was from 2005-06 to 2013-14. Results depicted that the current ratio was more than one in study period which indicated that the bank had maintained a reasonable level of liquidity. Substantial annual growth of 9.51 per cent in deposit accounts and 6.68 per cent in advance accounts were noticed. Profitability ratio was found to be positive in all the periods. It was due to lower burden ratio (1.05 %) compared to spread ratio (2.67 %). The pattern of credit flow to beneficiaries remained unchanged as indicated by significant Kendall’s co-efficient (0.77). Gini ratio (0.22) indicated a lower inequality in credit distribution among beneficiaries. KVG bank achieved break-even volume of business and was operating above the norms of capital adequacy. PCA revealed that deposit amount, average business amount per branch and total business were important variables influencing the performance. Discriminant function indicated that higher level of education and income level tended to increase the willful defaulters. Income and employment of beneficiaries increased after the bank finance by 22 to 89 per cent and 28 to 67 per cent respectively. The KVG Bank has been performing well in both quantitative and qualitative aspects.