• ISBN13: 9788126934959
• Binding: Hardcover
• Subject: Business Management
• Publisher: Atlantic Publishers & Distributors (P) Ltd
• Publisher Imprint: Atlantic
• Publication Date: July 28, 2022
• Pages: 176
• Original Price: INR 995.0
• Language: English
• Edition: N/A
• Item Weight: 350 grams
• BISAC Subject(s): Finance / General

The book attempts to analyse certain theoretical aspects evolved in agricultural credit system and discusses the role of agriculture in economic development, the characteristics of Indian agriculture, and theories of agricultural finance, elaborating the concept of the Cooperative Village Bank (CVB) which constitutes a remedy for many of the cooperative credit system. Since cooperation is the only system to be adopted to develop the farm economy in particular and rural economy in general, it suggests a new system in the form of CVB to restructure the whole cooperative movement at grassroot level. The book includes five chapters dealing with various aspects of agricultural credit system. The first chapter reviews the characteristics of Indian agriculture and identifies the role of agriculture in the economy. The next chapter deals with a critical study of agricultural credit, wherein the agricultural finance system operating in India has been critically reviewed. In the third chapter, a few principles of agricultural finance and some theoretical analyses have been explained with a view to identify the nature and scope of farm credit. The fourth chapter suggests cooperative village banks with empirical evidence to restructure the Primary Agriculture Cooperative Societies (PACS) in rural areas. The last chapter of the book concludes the whole study that cooperative movement has gained the sympathy and response from the rural people and has a vertical and horizontal linkage with various development activities.

V.B. Jugale, M.A. (Economics), M.Phil., Ph.D., is a Professor, former Head of the Economics Department, and Ex-Dean of the Faculty of Social Science, Shivaji University, Kolhapur. He was appointed two times as the Vice-President of Indian Society for Studies in Cooperation. He is an eminent researcher of cooperative movement and his plan of converting the PACS into Banks has been considered essential by the RBI. His works on the sugarcane pricing, water resources in Krishna and Man rivers, sugar workers, irrigation pricing, horticulture, and village banking are the noteworthy and significant works in economic science. His research on economic accounting of the salinity problem in sugarcane belt is also recognized by the policy makers. Dr. Jugale has been awarded a prestigious UGC’s Hari Om Trust’s Swami Pranavananda Saraswati Award for outstanding work in Economics for the year 2002. He is also a recipient of L.Y. Patil Trust’s Award in 2003-04 and Ekalavya Award of Shahajiraje Mahavidyalaya, Khatav, for outstanding work in Economics in 2004. He has been nominated as a Member of Governing Council of NABARD’s BIRD, Lucknow; Member of Executive Sub-committee of NABARD Consultancy Services Ltd.; and Member of Executive Committee of NABCONS.

• Chapter 1 - Role and Characteristics of Indian Agriculture
• 1.1 Introduction
• 1.2 Role of Agriculture in Economic Development
• 1.3 Characteristics of Indian Agriculture
• Chapter 2 - Critical Review of Agricultural Finance
• 2.1 Role of Credit in Agriculture
• 2.2 Agricultural Finance in India
• 2.3 Classification of Agricultural Finance
• 2.4 Significance of Co-op. Credit
• 2.5 Estimation of Agricultural Finance
• 2.6 Some Issues of the Present System
• Chapter 3
• Theories of Agricultural Finance
• 3.1 Risk and Uncertainty Theory
• 3.2 Demand and Supply Theory
• 3.3 Business Vs. Social and Moral Theory
• 3.4 Cost Theory
• 3.5 Productive Vs. Consumption Credit Analysis
• 3.6 Kind Loans Vs. Cash Loans
• 3.7 Principle of Micro- and Macro-Finance
• 3.8 Three ‘R’s in Agricultural Finance
• 3.9 Principle of Supervised Credit
• 3.10 Principle of Crop Loan
• 3.11 Principle of Co-op. Credit
• 3.12 Principle of Better Credit
• Chapter 4 - Co-operative Village Banks
• 4.1 Introduction
• 4.2 The Urge
• 4.3 Brief History
• 4.4 Features of CVBs
• 4.5 Area of Operation
• 4.6 Registration
• 4.7 Organisation
• 4.8 Staffing Pattern
• 4.9 Salary Pattern
• 4.10 Membership
• 4.11 Finances & Fundings
• 4.12 Conditions of Success
• 4.13 Vertical and Horizontal Linkages
• 4.14 Khatedar Books
• 4.15 Stabilisation Arrangements and Subsidies
• 4.16 Training and Education
• 4.17 A Case of Shirol Tehsil
• 4.18 Conclusions
• Chapter 5 - Conclusions