NABARD is the apex development bank of India that was established in 1982 to provide credit and related services for agriculture and rural development. It replaced the agricultural credit departments of the RBI and provides refinancing support to rural financial institutions. NABARD also works to enhance access to financial services in rural areas through programs like self-help group bank linkage and develops rural infrastructure through funds like RIDF.
The Reserve Bank of India is India's central banking institution, which controls the monetary policy of the Indian rupee. It commenced its operations on 1 April 1935 during the British Rule in accordance with the provisions of the Reserve Bank of India Act, 1934.
Financial inclusion is a buzzword now and has attracted the global attention in the recent past. As the approach of 12th five year plan (2012-2017) is faster, sustainable and more inclusive growth, the issue of financial inclusion is emerging as the new paradigm of economic growth. Financial inclusion plays a major role in driving a way the poverty from the country. The main focus of financial inclusion in India is to promote sustainable development and generating employment in rural areas for the rural population. C.Rangarajan Committee (2008) defined financial inclusion as, “The process of access to financial services, and timely and adequate credit needed by vulnerable groups such as weaker sections and low income groups at an affordable cost.” The purpose of financial inclusion is to provide equitable opportunities to every individual to avail the facility of formal financial channels for better life, better living and better income. It can be described as the provision of affordable financial services, viz., access to payments and remittance facilities, savings, loans and insurance services by the formal financial system to those who are excluded. Though there are few people who are enjoying all kinds of services from savings to net banking, but still in our country around 40% of people lack access to even basic financial services like savings, credit and insurance facilities. Financial inclusion is the road that India needs to travel towards becoming a global player. This paper attempts to study the overview of financial inclusion in India.
With the help of this presentation you will be able to know the financial inclusion status in india. Stats from RBI and Inclusix index also had been included in presentation.
Financial inclusion – objectives - Micro finance as a Development Tool - The Indian Experience - Evolution and Character of micro finance in India - Micro finance Delivery Methodologies and models- Legal and Regulatory Framework- Impact of Micro finance - Revenue Models of Micro finance- Profitability, Efficiency and Productivity Emerging issues
This presentation has two parts RBI & Monetary Policy.
It covers in detail the RBI, its history, preamble, organization structure, objectives, its functions in detail, its subsidiaries and all its publications with their links.
In the second part it covers Monetary Policy from Indian perspective. It starts with definition, Policy process followed in India, Goals, Framework. It covers the instruments of Monetary Policy in detail. It covers the future framework envisaged by RBI. In the last leg it covers the Contractionary & Expansionary monetary policy with their execution challenges.
NABARD - National Bank For Agriculture And Rural DevelopmentSanket Gaikwad
National Bank for Agriculture and Rural Development is an apex development bank in India, headquartered at Mumbai with branches all over India.
Founded: 12 July 1982
Headquarters: Mumbai
Presentation on Mudra yojana by kartik parasharKartik Parashar
This ppt is all about the Pradhan Mantri Mudra Yojana cover its purpose, elegibility, as well as sectors covered under the schemeand also various other information related to scheme.
The Reserve Bank of India is India's central banking institution, which controls the monetary policy of the Indian rupee. It commenced its operations on 1 April 1935 during the British Rule in accordance with the provisions of the Reserve Bank of India Act, 1934.
Financial inclusion is a buzzword now and has attracted the global attention in the recent past. As the approach of 12th five year plan (2012-2017) is faster, sustainable and more inclusive growth, the issue of financial inclusion is emerging as the new paradigm of economic growth. Financial inclusion plays a major role in driving a way the poverty from the country. The main focus of financial inclusion in India is to promote sustainable development and generating employment in rural areas for the rural population. C.Rangarajan Committee (2008) defined financial inclusion as, “The process of access to financial services, and timely and adequate credit needed by vulnerable groups such as weaker sections and low income groups at an affordable cost.” The purpose of financial inclusion is to provide equitable opportunities to every individual to avail the facility of formal financial channels for better life, better living and better income. It can be described as the provision of affordable financial services, viz., access to payments and remittance facilities, savings, loans and insurance services by the formal financial system to those who are excluded. Though there are few people who are enjoying all kinds of services from savings to net banking, but still in our country around 40% of people lack access to even basic financial services like savings, credit and insurance facilities. Financial inclusion is the road that India needs to travel towards becoming a global player. This paper attempts to study the overview of financial inclusion in India.
With the help of this presentation you will be able to know the financial inclusion status in india. Stats from RBI and Inclusix index also had been included in presentation.
Financial inclusion – objectives - Micro finance as a Development Tool - The Indian Experience - Evolution and Character of micro finance in India - Micro finance Delivery Methodologies and models- Legal and Regulatory Framework- Impact of Micro finance - Revenue Models of Micro finance- Profitability, Efficiency and Productivity Emerging issues
This presentation has two parts RBI & Monetary Policy.
It covers in detail the RBI, its history, preamble, organization structure, objectives, its functions in detail, its subsidiaries and all its publications with their links.
In the second part it covers Monetary Policy from Indian perspective. It starts with definition, Policy process followed in India, Goals, Framework. It covers the instruments of Monetary Policy in detail. It covers the future framework envisaged by RBI. In the last leg it covers the Contractionary & Expansionary monetary policy with their execution challenges.
NABARD - National Bank For Agriculture And Rural DevelopmentSanket Gaikwad
National Bank for Agriculture and Rural Development is an apex development bank in India, headquartered at Mumbai with branches all over India.
Founded: 12 July 1982
Headquarters: Mumbai
Presentation on Mudra yojana by kartik parasharKartik Parashar
This ppt is all about the Pradhan Mantri Mudra Yojana cover its purpose, elegibility, as well as sectors covered under the schemeand also various other information related to scheme.
National Bank for Agriculture and Rural Development (NABARD) primary function is to touch all aspects of rural economy. Apart from providing financial support to the underserved population of the country, the institution also monitors the functioning and regulation of banks. NABARD have been a boon to millions of rural families across the country.This Paper aims to understand the financial initiatives taken by the NABARD in the rural area.
Development Financial Institutions In IndiaDivyae Sherry
The presentations gives an insight about two Development Financial Institutions In India, NABARD (National Bank for Agriculture and Rural Development) and SIDBI (Small Industries Development Bank of India).
NABARD
Functions of NABARD
Long term refinance
Interest rates
Developmental functions
Supervisory functions
Government sponsered schemes
NABARAD'S initiatives
The basic reason for the financial assistance in rural areas.
Indian agriculture is characterized by low productivity, which leads to low income.
Due to low income and high level of consumption the investment made in agriculture is also low.
In this ppt presentation the role, need and sources of credit in Indian agriculture are listed clearly explained which will be very useful for the economics and finance students. here, we have discussed about the institutional credit agencies and non institutional credits and various government schemes.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
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Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
Latino Buying Power - May 2024 Presentation for Latino CaucusDanay Escanaverino
Unlock the potential of Latino Buying Power with this in-depth SlideShare presentation. Explore how the Latino consumer market is transforming the American economy, driven by their significant buying power, entrepreneurial contributions, and growing influence across various sectors.
**Key Sections Covered:**
1. **Economic Impact:** Understand the profound economic impact of Latino consumers on the U.S. economy. Discover how their increasing purchasing power is fueling growth in key industries and contributing to national economic prosperity.
2. **Buying Power:** Dive into detailed analyses of Latino buying power, including its growth trends, key drivers, and projections for the future. Learn how this influential group’s spending habits are shaping market dynamics and creating opportunities for businesses.
3. **Entrepreneurial Contributions:** Explore the entrepreneurial spirit within the Latino community. Examine how Latino-owned businesses are thriving and contributing to job creation, innovation, and economic diversification.
4. **Workforce Statistics:** Gain insights into the role of Latino workers in the American labor market. Review statistics on employment rates, occupational distribution, and the economic contributions of Latino professionals across various industries.
5. **Media Consumption:** Understand the media consumption habits of Latino audiences. Discover their preferences for digital platforms, television, radio, and social media. Learn how these consumption patterns are influencing advertising strategies and media content.
6. **Education:** Examine the educational achievements and challenges within the Latino community. Review statistics on enrollment, graduation rates, and fields of study. Understand the implications of education on economic mobility and workforce readiness.
7. **Home Ownership:** Explore trends in Latino home ownership. Understand the factors driving home buying decisions, the challenges faced by Latino homeowners, and the impact of home ownership on community stability and economic growth.
This SlideShare provides valuable insights for marketers, business owners, policymakers, and anyone interested in the economic influence of the Latino community. By understanding the various facets of Latino buying power, you can effectively engage with this dynamic and growing market segment.
Equip yourself with the knowledge to leverage Latino buying power, tap into their entrepreneurial spirit, and connect with their unique cultural and consumer preferences. Drive your business success by embracing the economic potential of Latino consumers.
**Keywords:** Latino buying power, economic impact, entrepreneurial contributions, workforce statistics, media consumption, education, home ownership, Latino market, Hispanic buying power, Latino purchasing power.
Introduction to Indian Financial System ()Avanish Goel
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Even tho Pi network is not listed on any exchange yet.
Buying/Selling or investing in pi network coins is highly possible through the help of vendors. You can buy from vendors[ buy directly from the pi network miners and resell it]. I will leave the telegram contact of my personal vendor.
@Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
3. Chairman
Dr. Harsh Kumar Bhanwala
Currency
(Rupees)
Reserves
Rs.81,220 crore (2007)
Website
www.nabard.org
NABARD is the apex development bank in
India
4. NABARD is an apex development bank in
india.
The committee to review arrangements for
institutional credit for agriculture and rural
development(CRAFICARD),set up by the RBI
under the chairmanship of Shri B. Sivaraman,
conceived and recommended the estb. Of
NABARD.
Estb. In 12 july 1982 by special act by the
parliament & focussing to uplift rural india by
increasing the credit flow for elevation of
agriculture and rural non-farm sector.
5. Completed its 25 years on 12 july 2007.
It has been accredited with “matters concerning
policy,planning and operations in the field of
credit for agriculture and other economic
activities in rural areas in india”.
RBI sold its stake in NABARD to Govt. of india ,
which now holds 99% stake.
NABARD is active in developing financial
inclusion policy and is a member of the alliance
for financial institution.
It replaced agriculture credit dept.(ACD) and
Rural planning & credit cell(RPCC) of RBI and
agriculture refinance & development
corporation(ARDC).
It is one of the priemer agency to provide credit in
rural areas.NABARD is India’s specialised bank.
6. International associates of NABARD ranges
from world bank affliated organisations to
global developmental agencies working in the
field of agriculture and rural development.
These organisations help NABARD by
advising and giving monetary aid for the
upliftment of the people in rural areas and
optimising the agricultural process.
7. NABARD is an apex institution in the country .
It looks after the development of cottages
industry, small industry & village industry , and
other rural industries.
NABARD also reaches out to allied economies &
support & promotes integrated development.
It has been given a certain rules as follows :
1. Serves as an apex financing agency for the
institutions providing investment and production
credit for promoting the various developmental
activites in rural areas.
8. 2.Takes measures towards institution building for
the institution building for improving
absorptive capacity of the credit delivery
system,including monitoring, training of
personnel etc.
3.co-ordinates the rural financing activites of all
institutions engaged in developmental work at
the field level and maintains liason with govt.
of india , State govt. , RBI and other national
level institutionsconcerned with policy
formulation.
4.Undertakes monitoring and evaluation of
projects financed by it .
5.NABARD refinances the financial institutions
which finances the rural sector.
9. 6.The instituions which help the rural economy
,NABARD helps develop.
7.NABARD also checks on its client institutes.
8.It regulates the institution which provide financial
help to rural economy.
9.It provides training facilities to the institutions
working on the field of rural upliftment
10.It regulates the cooperative banks and the RRB’s
and manages talent acquisition through IBPS
CWE.
NABARD’S refinance is available to state co-operative
agriculture and rural development
bank(SCARDBs),state co-operative banks(SCBs),
Regional rural banks(RRBs),commercial banks and
other financial institution approved by RBI.
10. NABARD has 28 regional offices and one sub
office,located in the capitals of all the staes/union
territories .
Each regional office has chief general manager as
its head and head office has several top
executives.
It has 336 district offices across the country ,one
sub-office at port blair and one special cell at
srinagar.
It has also 6 training establishments.
NABARD is known for ‘SHG bank linkage
programme’ which encourages India’s banks to
lend to self-help groups(SHG) composed mainly
of poor womens.
11. NABARD role in rural development in India is
phenomenal.
The credit flow to agriculture activities
sanctioned by NABARD reached
Rs1,57,480crore in 2005-2006.
Role of NABARD in overall development of
India in general and rural & agriculture in
specific is highly pivotal.
12. FUND designed to suport innovative,risk
friendly,unconventional experiments in these
sectors that would have the potential to promote
livelihood opportunities & employment in rural
areas.
The assistance is extende to
individuals,NGOs,cooperatives,SHGs,Panchayati
Raj Institutions who have the expertise &
willingness to implement innovative ideas for
improving the quality of life in rural areas.
600000 cooperatives are working in India at grass
root level in almost every sector of economy.
13. Guiding principles of RIF:
The activities must have rural poor in focus &
must be innovative , experimental &
demonstrative in nature leading to replicability &
commercial viability.
The activities funded may involve development
of new products, processes , prototypes,
technology , patenting & extension support.
Appropriate action research and studies
contributing to better understanding of rural
development issues , policy & process
implementation may be undertaken.
14. Type of projects that can be supported under RIF:
All innovations & activities in the farm , rural non-farm
& microfinance sectors can have access to
RIF.
Activities which are in keeping with the guidelines
principles of RIF &specifically those which provide
technology , skill upgradation , sustainable
employment , infrastructure development ,
improved flow & access of credit to rural
entrepreneurs.
15. Preffered sectors
Dry land/rain fed farming
Innovative rain water harvesting for rural dwelling
Rural enrgy from biomass/agricultural wastes
Techniques for increasing the value of crop
residues & non-crop biomass.
Eligibility
Individuals , NGOs , community based
organizations , SHG ,farmers club , panchayati raj
institutions & corporates who have expertise &
willingness to implement innovative ideas for
improving the quality of rural areas may apply.
16. Financial Support
Support available under RIF can be in form of
loan/grant/incubation fund support or a mix of
all three components.
The support would be need based , cost effective &
dependent on the requirements of the project.
17. Through assistance of Swiss agency for
development and co-operation ,NABARD set
up the rural infrastructure development fund.
Vrajlal Sapovadia noted schemes for the bank
for rural development.
Under RIDF scheme Rs 51,283 crore have been
snactioned for 2,44,651 projects covering
irrigation , rural roads & bridges , health &
education , soil conservation , water schemes
etc.
18. Criteria for selection of projects :
Should be of high priority to state government
Should be completed in 3-5 years
Economic rate of return(ERR) should be more
than 15%.
Benefit cost(BC) ratio should be more than 1 at
15% discounting factor.
Borrowing institutions
State govt. , Panchayat raj institutions ,non-governmental
organizations ,SHG etc.
19. Nodal department for RIDF
The finance department of state govt. acts as nodal
department for operationalising RIDF.
The project proposals are routed through finance
department only & proposals from other departments
directly are not received.
Eligible activities
The eligible activities covered under the RIDF can be
broadly classified into the following sector –
• Agricultural sector projects(RIDF loan 95% of TFO)
1. Minor irrigation projects/micro irrigation
2. Soil conservation
3. Flood protection
4. Watershed development
20. 5. Drainage
6. Forest development
7. Market yard/ godown
8. Cold storage
9. Plantation and horticulture
10. Fishing harbour / jetties
11. Riverine fisheries
12. Animal husbandry
13. Village knowledge centres etc
Social sector projects ( RIDF loan 85% of TFO)
1. Drinking water
2. Infrastructure for rural education institutions
3. “pay & use” toilets in rural areas
4. Construction of anganwadi centres etc
21. Rural connectivity projects( RIDF LOAN 80% of
TFO)
1. Rural roads
2. Rural bridges
Phasing ( period of implementation)
• Phasing is normally 2-3 years for smaller projects
in diversified sectors.
• Max 5 years of phasing for projects related with
major & medium irrigation & other stand alone
projects involving RIDF loan of Rs 50 crore & ↑.
• Max phasing period of 3 years for all other
projects .
22. Expenditure incurred on or after 1 April of the
corresponding year would be eligible for
reimbursement under the respective tranche.
RIDF loans are released to the state govt.
By regional offices of NABARD.
The state govt. will be reqd. to pay interest as
decided by RBI, on loans disbursed under various
tranches.
Each drawal by state govt. would be treated as a
separate loan and would be repayable in 7 years
inclusive of a grace period of 2 years.
Interest will be payable during grace period.
The state govt. shall utilise the loan amount solely
& exclusively for the purpose for which it is
sanctioned by NABARD.
23. The state govt. shall execute and complete the
projects for which the loans are granted within
such time as stipulated in sanctioned letter.
The state govt. shall make suitable budgetary
provisions for timely payment of interests &
repayment of loan installments.
The state govt. shall remove any legal or other
procedural hurdles in the smooth implementation
of the projects.
The project implementing authority shall
undertake desk / field monitoring and quality
control tests as per the internal instructions /
manual of implementing department.
24. REFINANCE TO BANKS
RIDF to state govt.
Special scheme for warehouse projects
NABARD infrastructure development
assistance (NIDA)
Direct lending to cooperative banks
Direct lending to procedures organisation
Subsidy schemes & revival packages
SHG-bank linkage programme
Joint liability groups
25. Farmers club
Watershed developments
Tribal developments
Promotional development
Institutional development-regional rural
banks(RRB)
Institution development- short & long term
cooperatives
Core banking solutions (CBS) for cooperatives