CONTENTS:- 1. Facets of Cooperative Credit - An Analytical Study. 2. Rural Credit in India: Status and Agenda. 3. Working of the Regional Rural Banks - A Critical Study. 4. The Flow of Credit to Agriculture and Related Activities from Banking System in Orissa Problems and Prospectives. 5. Agricultural Finance in West Bengal: Some Observations. 6. Analysis of Borrowing Sources and Credit Use by Farmers in Rainfed Areas of Coastal Orissa. 7. A Note on Some of the Factors Affecting Efficiency of the Rural Credit Institutions. 8. Public Investment on Agriculture in Orissa: Its Determinants and all that. 9. Flow of Institutional Credit to Agriculture in Orissa. 10. Supply and Demand Aspects of Ground Level Institutional Credit Flow in Orissa. 11. The Rural Credit System and Financial Sector Reform: Some Issues and Experience.
The Indian Economy has adopted a multi-agency approach to rural credit and accordingly the Co-operatives, the Commercial Banks and the Regional Rural Banks are engaged in providing credit to agriculture and other activities in rural area. However, what is observed, in recent years the flow of credit to agriculture by these agencies has declined and this has affected the investment and growth in agriculture. Besides it is also observed that most of the Rural Credit Institutions are not in a state of good financial healthy. They are plagued with higher NPAs, mounting losses and greater non-viability. In view of this the present Workshop is organized to deliberate upon the working of the Rural Credit Institutions and their credit flow to agriculture, identify the various weaknesses thereof to improve their efficiency, viability and larger credit provision for developing agriculture. Besides, the Eastern Region continuing to be a relatively poor region in spite of its potentiality, and credit being a catalyst in the process of development, the Workshop lays emphasis on deliberating upon making institutional credit more responsive to the need of this region. The Workshop has drawn participants from academics, bureaucrats, bankers, and policy makers. The papers presented in the Workshop have identified the weaknesses in institutional credit and provided some solutions for the country as well as for the Eastern Region.