Impact of deposit mobilisation campaign on the agricultural advances of the primary agricultural credit societies
| dc.contributor.advisor | Mohandas, M | |
| dc.contributor.author | Indira, P | |
| dc.contributor.author | KAU | |
| dc.date.accessioned | 2020-01-16T09:54:49Z | |
| dc.date.available | 2020-01-16T09:54:49Z | |
| dc.date.issued | 1988 | |
| dc.description | PG | en_US |
| dc.description.abstract | The study on the Impact o f the Deposit Mobilisation Campaign on the agricultural advances o f the Primary Agricultural Credit Societies has been carried out to examine the extent end pattern of deposits mobilised and its impact on their resource base as well as their agricultural advances. Fourteen societies consisting of ten per cent of the PaCS in Trichur district were selected at random for detailed study. It was seen that no scientific criteria like the past performance o f the societies or the savings potential of the area were considered while fixing the targets. Percentage analysis and paired t-test revealed that there was significant increase in deposits in four years when the DMC was held during April-May While it was not significant in two years 1982-83 end 1983-84 When the DMC was held during November-January. There was also qualitative improvement in the composition of deposits. During the normal period, fixed deposits occupied only below 19 per cent of the deposits but during the DMC it ranged between 23 per cent and 29 per cent. A correlation test between the correlation coefficients of deposits and withdrawals during the normal period and with one month lag revealed that it was significant in 1983-84 and 1984-85 indicating concurrent withdrawal of deposits. But in 1985-86, i t was significant with one month lag. Alternative concepts o f Credit Deposit Ratios (CDR - estimated as the ratio of advances to deposits) were used to analyse the lending pattern. Cross CDR ranged between 13.87 and 42.86 during the DKC while it was high during the normal period 1 ranging between 88.97 and 120.01. But it showed an increasing trend with three months lag except in 1982-83 and 1983-84. Gold loans occupying below 57 per cent o f the total loans during the normal period was above 57 per cent during the DMC in five years. But Agricultural Loans were getting an increased share with a lag o f two months. DKCs during the period o f April-May had resulted in significant increase in incremental and to ta l deposits and comparatively higher CDR but those held during the months of November-December and Dec amber-January did not show any significant increase in deposits and had a lower CDR. it was thus observed that the period o f the EMC has an important effect on the success o f the EMC. | en_US |
| dc.identifier.uri | http://krishikosh.egranth.ac.in/handle/1/5810140542 | |
| dc.keywords | Deposit mobilisation in Kerala, Poor deposit base, Lending pattern of the PACS, Deposit Mobilisation Campaign | en_US |
| dc.language.iso | en | en_US |
| dc.publisher | College of Co-operation and Banking, Mannuthy | en_US |
| dc.sub | Rural Banking and Finance | en_US |
| dc.subject | null | en_US |
| dc.theme | Deposit mobilisation campaign on the agricultural advances | en_US |
| dc.these.type | M.Sc | en_US |
| dc.title | Impact of deposit mobilisation campaign on the agricultural advances of the primary agricultural credit societies | en_US |
| dc.type | Thesis | en_US |