RURAL BANKING AND MICROFINANCE

Maximum marks: 30 Duration: 1 HR

GROUP- A
Note: Attempt all question, each carries equal marks. (10 Questions) 1 mark

Q.1 Maximum Loan amount given under Kisan Gold Card Scheme is. (a) Rs. 5 Lac (b) Rs. 10 Lac (c) Rs. 15 Lac (d) Rs. 25 Lac Q.2 National Agriculture Insurance Scheme does not cover (a) Flood inundation (b) Landslide (c) Drought (d) War and Nuclear Risk Q.3.Which of the following is not true about the specialized farm? (a). Such a farm is the most advanced agricultural phase in a market economy. (b). Such a farm usually emphasizes cultivating one crop. (c). Such a farm is labor intensive. (d). Such a farm uses advanced technology, and takes advantage of economies of scale. Q.4.What is the use of Regional rural bank? (a) Give direct loan and advance to small and marginal farmers (b) Give loans to marginal farmer (c) Give loans agricultural labourers and rural artisan (d) All the above Q.5.The main aim of crop insurance is to prevent. (a) Natural fire and lightning (b) Storm , hailstorm, cyclone , typhoon, (c) Flood , inundations and landslide (d) All the above Q.6.When was comprehensive crop insurance scheme started? (a) 1st April 1985 (b) 1st April 1987 (c) 2nd march 1985 (d) None Q.7.What is the full form of NAIS? (a) National agriculture insurance scheme (b) National agriculture insurance sector (c) National agriculture insurance session (d) None Q.8. ---------------- includes all types of loans that financial institutions, such as banks and insurance companies, provide to poor or unemployed individuals.

(a) (b) (c) (d)

Microfinance Microcredit Services None of these

Q.9. Name the institution which was set up in 1982 to promote integrated rural development. (a) NSIC (b) NABARD (c) SIDBI (d) NCEUS Q.10. SFCs are established under: (a) State Financial Corporation Act 1951 (b) State Financial Corporation Act 1985 (c) State Financial Corporation Act 1982 (d) State Financial Corporation Act 1975

GROUP- B
Note: Attempt any 1 out of 8, all question carries equal mark. Q.1 Write about the importance of RNFS in India? Q.2 What are the causes for introduction of New Reforms in Agriculture? Describe two major reforms. Q.3 Write about Indian Rural Economy. 2Marks

Q.4 What is the role of Small Scale Industries and also explain the structure of Small Scale Industries. Q.5 Write the main features of the National Agricultural Insurance Scheme.
Q.6. Explain the architecture of credit system in India.

Q.7 Explain the concept of self help groups and its characteristics. Also discuss the objectives of forming SHG. Q.8 Discuss the models of credit delivery through the SHG system practiced in Andhra Pradesh.

GROUP - C
Note: Attempt any 1out of 5, all question carries equal mark. 8 Marks

Q.1 Explain the concept of small scale industries. What are the major problems/challenges faced by SSI, and how SFCs help them in the in the development of Small Scale Industries. Q.2 Explain Agricultural Marketing System with special reference to the Current State of Agricultural Marketing. Q.3 Explain in detail about the idea of Bangladesh Grameen Bank, and briefly write about the microcredit and microfinance.

Q.4 Explain the stepwise process of Operating of SHG. Also Discuss the Credit Rating and Bank Linkage of SHG and the criteria for the development of Rating Instrument. Q.5 Elucidate the Business Facilitator/Business Correspondent Model.

GROUP - C
SELF HELP GROUP 10 Marks

Sele Mwatu is a member of Kyeni Kya Muusini SHG in Kisiiki sub location in the new Yatta District. Sele can be described as one of the poorest SHG members amongst the groups in Kisiiki. For a long time Sele has struggled with poverty related problems like starvation and poor health. She has a granddaughter by the name Syombua Mwatu. Syombuas parents passed away when she was a small girl leaving her under the care of her old grandmother. Sele has continued offering the much-needed care and support to her granddaughter despite her old age. When the SHG approach was initiated in Kisiiki, Sele was among the first women to join the SHGs. She started meeting and saving regularly in her group and felt a great sense of acceptance and belonging as she interacted with her fellow SHG members. With time Sele qualified to get small loans from her group. At first she borrowed a loan with which she used to buy clothes for her granddaughter and pay school fees. Later on she accessed a loan to set up a small business to supplement the small-scale farming she was engaged in and so could take better care of her grand-daughter. The SHG members have been quite supportive and encouraging. Her health is improving gradually and Syombua is able to continue with her schooling comfortably. She confesses that if the idea of SHGs had been introduced when she was much younger, she probably would not be in the status she is today. She encourages both young and old to join hands in SHGs and work together to improve their standards of living. Q1. Explain the process which Sele has followed from joining a SHG to accessing a loan. Q2. What is the confession made by Sele, and what is the reason behind her encouraging to young and old people.

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