MANAGEMENT OF CREDIT DISTRIBUTION TO AGRICULTURE SECTOR BY KCC BANK
| dc.contributor.advisor | VIJAYAKUMAR, H.S. | |
| dc.contributor.author | PALLERI, KASHINATH N. | |
| dc.date.accessioned | 2019-11-06T10:45:23Z | |
| dc.date.available | 2019-11-06T10:45:23Z | |
| dc.date.issued | 1999-08-30 | |
| dc.description.abstract | Institutional credit being a powerful means to improve agriculture, in modern agriculture, credit is a crucial input. Among the various financial Institutions the co operatives have emerged as a major source for agricultural credit. In Karnataka most of the DCCB's are operationally sick and suffering from inefficient and ineffective credit management. The management of credit distribution to Agriculture sector by KCC bank has been studied as it is one of the largest lending institutions in Dharwad district. The study is based on the secondary data for 10 years (1986-87 to 1996-97). Tabular analysis and compound growth rate were used for analyses of the data. The deposit mobilization of KCC bank indicated a three fold increase and the rate of growth in total deposits indicated an increase by 13.88 per cent the total cost incurred in mobilizing deposits was Rs. 11.03 per Rs.100 which included both non-interest cost (Re. 0.48) and interest cost (Rs. 10.55). There was substantial increase in the total funds for lending. The study showed that proportion of agricultural advances in the total bank lending had increased during study period. The total number of beneficiaries also showed increasing trend. The non-interest cost incurred in lending Rs. 100 by the bank was Rs. 1.07. The percentage of overdues of loans was more than 50 per cent in 7 years out of 10 years and the growth rate of recovery was 23.68 per cent. The cost of recovery of loans was Re. 0.68 on recovery of every Rs. 100 it has lent. On an average, the bank spends Rs. 10.43 on every Rs. 100 lent and the average interest earned from lending was Rs. 12.46. Thus there was a profit margin of Rs. 2.02 per Rs. 100 lent. The bank incurred a loss of 0.53 per cent for Rs. 100 lent in the category of loans of less than Rs. 25000. The poor recovery performance and lending in the category below Rs. 25000 of the bank need to be revitalized. | en_US |
| dc.identifier.other | Th-5161 | |
| dc.identifier.uri | http://krishikosh.egranth.ac.in/handle/1/5810134611 | |
| dc.keywords | MANAGEMENT OF CREDIT DISTRIBUTION TO | en_US |
| dc.language.iso | en | en_US |
| dc.pages | 183 | en_US |
| dc.publisher | UNIVERSITY OF AGRICULTURAL SCIENCES GKVK BANGALORE | en_US |
| dc.sub | Agricultural Marketing and Co-operation | en_US |
| dc.subject | null | en_US |
| dc.theme | AGRICULTURE SECTOR BY KCC BANK | en_US |
| dc.these.type | M.B.A. | en_US |
| dc.title | MANAGEMENT OF CREDIT DISTRIBUTION TO AGRICULTURE SECTOR BY KCC BANK | en_US |
| dc.type | Thesis | en_US |