Computerisation Of Primary Agricultural Cooperative Socities

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This is an approach presentation for computerisation of Primary Agricultural Cooperative Societies.

Primary Agricultural Cooperatives have been the bedrock for short term financing of Agirculture , though now they are loosing their relevance. Computerisation of these socities can surely improve there effectiveness

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Computerisation Of Primary Agricultural Cooperative Socities

  1. 1. Computerisation of Primary Agricultural Cooperative Societies (PACS) Key issues and challenges Anirban Mukerji [email_address] This presentation was prepared in Feb 2007 and may be dated
  2. 2. Computerisation of PACS <ul><li>PACS are key to the government’s plan for delivery of loans to farmers for agricultural activities. </li></ul><ul><li>Computerisation is not mere data digitisation of but can achieve transformation of activities of PACS </li></ul>
  3. 3. Activities of PACS <ul><li>Short term loans to members </li></ul><ul><li>Accepting Savings deposits from members </li></ul><ul><li>Running PDS shops </li></ul><ul><li>Selling agricultural inputs </li></ul><ul><li>Running Janata Bazar </li></ul>
  4. 4. Advantages from Computerisation <ul><li>Tracking of loans / followup with defaulters </li></ul><ul><li>Sending of Demand notes to Farmers </li></ul><ul><li>Administration of Kissan Credit Card Scheme which functions like a Overdraft Limit, Farmer can make multiple deposits and withdrawals </li></ul><ul><li>Calculation of Interest payment </li></ul><ul><li>Calculation of any changes in Interest rates due to government policies </li></ul><ul><li>Linking up with the Land records database, cross checking of crop details </li></ul><ul><li>Building a record of regular payers </li></ul>
  5. 5. Stakeholders of PACS computerisation <ul><li>Farmer </li></ul><ul><li>Employees of PACS – Secretary, Accountant </li></ul><ul><li>The Board of the PACS </li></ul><ul><li>DCCB Bank </li></ul><ul><li>Cooperative Audit Department </li></ul><ul><li>Line Functionaries – Assistant Registrar’s Deputy Registrar’s, Joint Registrars </li></ul><ul><li>Apex Bank </li></ul><ul><li>State Finance Department </li></ul><ul><li>NABARD </li></ul>
  6. 6. Benefits to stakeholders <ul><li>Farmers </li></ul><ul><ul><li>Accuracy in calculation of deposits and loans </li></ul></ul><ul><ul><li>Improvement in overall functioning of PACS will result in improved customer Service </li></ul></ul><ul><ul><li>Can check his account from remote computers if he wants to check </li></ul></ul><ul><ul><li>Transparency in functioning of PACS </li></ul></ul><ul><li>PACS Employees </li></ul><ul><ul><li>Will reduce workload of routine activities and hence can concentrate on value added activities </li></ul></ul><ul><li>Faster audit of PACS due to computerized accounts </li></ul><ul><li>Accurate MIS to all stakeholders </li></ul>
  7. 7. Computerisation models <ul><li>Dedicated Computers in PACS for computerisation of PACS functions </li></ul><ul><li>In addition to PACS work, the computers can be used for Bhoomi, Nemmadi and other e-Governance programs </li></ul><ul><ul><li>Revenues from e-Governance services can reduce the cost of computerisation </li></ul></ul>
  8. 8. Cost of Computerisation <ul><li>Financial </li></ul><ul><ul><li>One Time Fixed Cost of Rs. 1.3 Lakhs </li></ul></ul><ul><ul><li>Running Expenses of Rs. 1250 per month on Electricity, Consumables, Internet </li></ul></ul><ul><ul><li>Support Expenses of Rs. 3000/- per month </li></ul></ul><ul><ul><li>Total Cost of Computerisation over a 5 year period = Rs. 4.2 Lakh Rupees per PACS </li></ul></ul><ul><li>Vaidyanathan committee report has a provision for funding for computerisation of PACS </li></ul>
  9. 9. Issues in Computerisation <ul><li>New way of doing business </li></ul><ul><ul><li>Secretary and accountant will have to learn and operate computers </li></ul></ul><ul><ul><ul><li>Can’t say they do not know anything about computers </li></ul></ul></ul><ul><ul><li>If complete computerisation is achieved, work will be disrupted when computer is not working, or authorised officials are not available </li></ul></ul><ul><li>Manipulation of Computers </li></ul><ul><ul><li>If computer is not protected against unauthorized persons data can be manipulated </li></ul></ul><ul><ul><li>Secretary may give his password to other officials </li></ul></ul><ul><li>Logistical issues like physical security, power, </li></ul>

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