State Cooperative Banking in Northeast India: Financial and Operational Viability Analysis

By Sanjay Kanti Das

State Cooperative Banks provide the necessary financial resources to District Cooperative Banks and Primary Agricultural Cooperative Societies, and are responsible for their recovery. They have played significant role in the development of rural economy of India. The paper explores and evaluates the growth and progress of State Cooperative Banks in the Northeastern region of India. Further, efforts are also given to make a comparative analysis of State Cooperative Banks in the Northeastern region and India through some selected financial indicators. It is found that all the financial variables (capital, reserves, deposits, advances, demand, collection and over dues) increased with higher growth rate during 2002-2009 on the basic of Compound Annual Growth Rate. The paper highlights the reasons for slow progress of State Cooperative Banking in the Northeastern region of India which is considered as the most backward region of the country. Further, this paper focuses on several pitfalls and shortcomings faced by State Cooperative Banks in region. Finally, it is observed that the State Cooperative Banks in the Northeastern region are not at par with the all India level which is evidenced from the study of some selected financial indicators.

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Women Empowerment and Self Help Group: An Analytical study of Constraints in Karbi Anglong District of Assam

By Sanjay Kanti Das

Empowerment in the context of women’s development is a way of defining, challenging and overcoming barriers in women’s life through which she increases her ability to shape her life and environment. Self Help Group-Bank Linkage Programme (SBLP) of the government of India is designed to alleviate poverty and empower women of the country. However, the success of this SBLP is often debatable. Today large scale disparities in the implementation and proliferation of SHG formation are major concern. A few studies are made on impact assessment of SBLP in Northeast India. This study focuses on the constraints in empowerment of Karbi women in Karbi Anglong district of Assam.

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