Cooperative Finance and Banking

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Author(s): A K Zakir Hussain, Abdul Kuddus KA

Product Code: vn59

This book Cooperative Finance and Banking is designed to address the requirements of students undergoing graduate and post graduate courses of Cooperation, Cooperative Finance and Cooperative Credit.

Cover
Title Page
Copyright Page
Contents
Preface
Chapter 1 Cooperative Credit: Meaning, Classification And Structure
- Meaning of Credit
- Types of Credit
- Agriculture Credit
- Credit Cooperatives
- Integration of Short-term and Long-term Credit Structures
- Review Questions
Chapter 2 Primary Agricultural Credit Societies (Pacs)
- Evolution and Growth
- Area of Operation of PACS
- Functions
- Resources
- Loans
- Crop Loan System
- Kisan Credit Card
- Linking of Credit with Marketing
- Overdues
- Farmers Service Cooperative Societies (FSCS)
- Large-Sized Adivasis Multi-Purpose Cooperative Societies (LAMPS)
- State Tribal Cooperative Development Corporation/Federation
- Tribal Cooperative Marketing Federation (TRIFED)
- Non Credit Activities of PACS
- National Agricultural Insurance Scheme
- Problems of PACS
- Suggestions for Development of PACS
- Review Questions
Chapter 3 Banking
- Genesis and Progress of Banking
- Banking in India
- Modern Banking in India
- Nationalization of Banks
- Banking Sector Reforms
- Deregulation
- Consolidation of Public Sector Banks
- Banking System
- Cooperative Banks
- Commercial Banks
- Regional Rural Banks
- Local Area Banks (LABS)
- Differentiated Banks
- Review Questions
Chapter 4 District Central Cooperative Banks
- Origin
- Types of DCCBS
- Area of Operation
- Membership
- Objectives
- Management
- Organization
- Resources
- Minimum Involvement
- Loans and Advances
- Scale of Finance
- Seasonality in Lending
- Overdues
- Non-Overdue Cover
- Recovery
- Supervision
- Development Action Plan (DAP)
- Problems of DCCBS
- Suggestions for Development
- Review Questions
Chapter 5 State Cooperative Banks
- Need for State Cooperative Banks
- Origin and Growth
- Objectives
- Membership
- Management
- Resources
- Seasonal Agricultural Operation (SAO)
- Support to Weavers Cooperatives
- Loan and Advances
- Problems of SCBS
- Suggestions for Development
- Review Questions
Chapter 6 Cooperative Agriculture Rural Development Banks (Cardbs)
- Need for Separate Agency for Long-term Credit
- Origin and Growth
- Present Position
- Structure
- Primary Cooperative Agriculture Rural Development Banks (PCARDBS)
- Loans and Advances
- State Cooperative Agriculture Rural Development Banks (SCARDBS)
- Debentures
- Loans and Advances
- Problems of CARDBS
- Suggestions for Development
- Review Questions
Chapter 7 Urban Cooperative Banks (Ucbs)
- Genesis and Progress Prior to Bringing UCBS Under BR Act
- Genisis and Progress after Bringing UCBS Under BR Act
- Area of Operation
- Objectives
- Structure
- Membership
- Management
- Board of Management
- Source of Finance
- Deposit Insurance and Credit Guarantee Corporation (DICGC)
- Investment
- Loans and Advances
- Unit Banking Vs. Branch Banking
- Branch Licensing Policy of RBI
- Mahila Banks
- Rating Model for UCBS
- Role of RBI in the Development of UCBS
- Committees Appointed by RBI for UCBS
- Problems
- Suggestions for Development
- Review Questions
Chapter 8 Employee Cooperatives
- Need
- Progress
- Types
- Membership
- Objectives
- Management
- Deposits
- Borrowings
- Loans
- Problems
- Suggestions for Development
- Review Questions
Chapter 9 Industrial Cooperative Bank
- Origin
- Working Group on Industrial Finance
- Importance of Industrial Cooperative Banks
- State Industrial Cooperative Bank – Taico Bank Ltd
- Membership and Management
- Resources
- Loans
- Review Questions
Chapter 10 National Level Federations
- National Federation of State Cooperative Banks (NAFSCOB)
- National Cooperative Agriculture and Rural Development Banks Federation (NCARDBF)
- National Federation of Urban Cooperative Banks and Credit Societies (NAFCUB)
- Review Questions
Chapter 11 National Bank For Agriculture And Rural Development
- Genesis
- Objectives
- Management
- Role of Nabard in Assisting Credit Cooperatives
- Task Force on Revival of Cooperative Credit Institutions (STCCS)
- Self Help Groups (SHGS)
- Joint Liability Groups (JLGS)
- Farmers’ Clubs
- Review Questions
Chapter 12 Financial Inclusion
- Reasons for Financial Exclusion
- Committee on Financial Inclusion
- Review Questions
Chapter 13 Overdues, Non-Performing Assets And Prudential Norms
- Overdues
- Causes of Overdues
- Non Performing Assets
- Income Recognition, Asset Classification and Provisioning
- Review Questions
Chapter 14 Banking Laws
- Banking Regulation Act, 1949
- Prevention of Money Laundering Act (PMLA) 2002 and Know Your Customer (KYC) Norms
- Negotiable Instrument Act, 1881
- Protection to Paying Banker
- No Protection to Paying Banker
- Crossing of Cheque
- Double Crossing (Section 127)
- Endorsement (Section 15)
- Dishonour of Cheque
- Dishonour of Cheque for Insufficiency of Funds (Section 138)
- Ingredients for Considering as an Offence
- Review Questions
Chapter 15 Banking Operations
- Products Offered by Banks
- Priority Sector Lending
- Consortium Scheme
- Types of Customers
- Banker-Customer Relationship
- Banking Technology
- Management of Funds in Banks
- Profit Planning
- Break-even Level of Business
- Basel Norms
- Banking Ombudsman
- Productivity in Banks
- Review Questions
Chapter 16 Investment Management
- Investment Management in Banks
- Concept of Risk in Investment
- Investment Management
- Investment Banking
- Investment Bank
- Money Market Instruments
- Treasury Operator
- Government Securities
- Treasury Bills
- Bonds
- Mutual Funds
- Review Questions
Chapter 17 Common Accounting System And Mis
- Role of NABARD in CAS
- Components of CAS
- Features of CAS
- Books Prescribed under CAS
- Financial Statements of PACS
- Management Information System (MIS)
- Review Questions
Annexure
References
Index

Dr. A. K. Zakir Hussain is a senior faculty member, Institute of Cooperative Management, Thiruvananthapuram, Kerala. He has a Phd. in Banking. A profolic author, he has published more than 150 articles, case studies and book reviews. He was a 1st Rank Holder in CTFC, BIRD, Lucknow. He has 24 years of teaching / training experience in STPs, HDCM and MBA.

Prof. K. A. Abdul Kuddus Associate Professor (Rtd.), VAMNICOM, Pune, has 23 years of experience in teaching and 10 years of experience in Banking. He was a Vice Principal, Institute of Cooperative Management, Madurai and former faculty in NICM, Chennai. He also served as an Executive Oﬃcer in Vellore, DCCB. He has participated in training programmes of ILO, ICA, IIM, NIRD, BIRD etc.