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FIELD LEARNING REPORT

Objectives
1 Procedure for KCC
2 Fixation of MCL
3 Scale of finance for different crops
4 Land record register
5 MCL REGISTER
6 Maintenance of member accounts at PACS level
7 Imbalances at PACS Level
8 Various activities undertaken by PACS including AGRO service centre
9 Accessing financial position of PACS
10 BDP Preparation by PACS
11 SWOT Analysis
12 Recover management at PACS level`
13 General management of PACS







Procedure for KCC
Steps
Farmers apply for membership
Farad Jamabandi is taken and is added to land record register and further verification is
done.
1 copy is sent to branch and verification is done.
Then according to the set MCL For financial year loans are provided bank to society
which are further distributed by society to its members according to the requirement of
members.

Fixation of MCL
A technical committee is formed at state level which consists of 1 ar 2 farmers, 2 pau professors
which decides the MCL and scale of finance per acre for different crops according to the
conditions.
Land record register
It contains the land record of all the members of the society.
MCL REGISTER
It contains MCL provided to each member according to scale of finance and his land ownership.

Maintenance of member accounts at PACS level
Member register is maintained at PACS level which contains the list of all members of society.
These members are approved by PACS committee.

Imbalances at PACS Level
Recovery at society level may not be 100% but society tries to return total loan amount to bank.
This difference creates an imbalance at society level and this difference money is derived from
2% lending margin of the society or the reserves available with the society.

Various activities undertaken by PACS
AGRO SERVICE CENTRE
Provides fertilizers, insecticides, pesticides, EC etc.
Provides awareness to farmers Regarding type of fertilizers, insecticides, pesticides to
be used and other types.
Stock handling and verification
All the stock received from MARKFED and IFFCO is kept in godowns present in society
from where it is distributed accordingly.
Stock verification is done by inspector coop societies which verify the stock according to the
stock register.

Assessing financial position of PACS

As per balance sheet Society is going in profit.
Anually the society is being assessed by audit team and the society committe.

BDP PREPARATION BY PACS
BDP is prepared by committee every 3 years. New plans are created and implemented.
Few BDP points in our society(Bal khurd) are as follows
Building new library.
New Magazines and newspaper on agriculture have been subscribed.
target for different financial years has been set.
Refer to attached BDP Sheet for more information.
SWOT Analysis
Strengths
Good godowns.
Recovery on time.
Less NPA.
Sincere and punctual employees.


Weaknesses
Electricity issues.
Lack of awareness.
Opportunities
More members
Introducing new profitable schemes.
Threats
Lack of technology
Unable to cope up with increasing competition due to following of old
methodologies.

General management of PACS