This presentation have the detailed analysis of the Indian banking sector, how it has evolved and reformes that have come gradually.It also has a classic case of merger of ICICI bank with BOM.
This presentation have the detailed analysis of the Indian banking sector, how it has evolved and reformes that have come gradually.It also has a classic case of merger of ICICI bank with BOM.
PROJECT REPORT ON MICRO FINANCE// FREE PROJECT REPORT|| MBA PROJECT REPORT|| MBA FINANCE FREE PROJECT REPORT ON MICRO FINANCE ||MBA PROJECT REPORT ON MICRO FINANCE || SMU MBA FINANCE 4RTH SEMESTER FREE PROJECT REPORT ON MICRO FINANCE|| HOW TO MAKE PROJECT ON MICRO FINANCE || FREE DOWNLOAD FULL PROJECT REPORT ON MICRO FINANCE
In this PPT all information related to ICICI Bank like organization structure and history of ICICI Bank. Information related to products and services.Current scenario of ICICI Bank.
Project on SBI -
I would like to acknowledge a deep sense of gratitude to Mr. Hitesh Rawat, Senior Manager of State Bank of India at Kalbadevi Road, Mumbai for giving me the opportunity & time to work on this project and given me all vital input which has led to completion of this project. Without their guidance this project would have remained in pipe dream.
I am also thankful to State Bank of India employees, who directly & indirectly extended their co-operation and invaluable support to me
PROJECT REPORT ON MICRO FINANCE// FREE PROJECT REPORT|| MBA PROJECT REPORT|| MBA FINANCE FREE PROJECT REPORT ON MICRO FINANCE ||MBA PROJECT REPORT ON MICRO FINANCE || SMU MBA FINANCE 4RTH SEMESTER FREE PROJECT REPORT ON MICRO FINANCE|| HOW TO MAKE PROJECT ON MICRO FINANCE || FREE DOWNLOAD FULL PROJECT REPORT ON MICRO FINANCE
In this PPT all information related to ICICI Bank like organization structure and history of ICICI Bank. Information related to products and services.Current scenario of ICICI Bank.
Project on SBI -
I would like to acknowledge a deep sense of gratitude to Mr. Hitesh Rawat, Senior Manager of State Bank of India at Kalbadevi Road, Mumbai for giving me the opportunity & time to work on this project and given me all vital input which has led to completion of this project. Without their guidance this project would have remained in pipe dream.
I am also thankful to State Bank of India employees, who directly & indirectly extended their co-operation and invaluable support to me
The third five year plan India (1961-1966) intended to make a more determined effort to develop the nation, carrying forward the legacy set by the previous two five year plans.
These five year plans are formulated by the planning commission, the aim of which is to increase the quality of life of the citizens through effective use of the country's resources.
Overview of Human-Wildlife Conflict Management in CameroonCIFOR-ICRAF
Antoine Justin Eyebe from the Central Africa Regional Program for the Environment (CARPE) outlines the problems related to human-wildlife conflict and opportunities for improving human-wildlife conflict management for great ape conservation in Cameroon. He gave this presentation at the ‘Linking Great Ape Conservation with Poverty Alleviation’ workshop hosted by CIFOR in January 2012.
Impact of microfinance on the indian economyMeghana Bhogle
This is a presentation i made for my first year as a management student. An overview of micro-credit and it's advantages as also the various organizations that help facilitate the same
Capitalizing on Market Changes to Grow Your Card Programs (Credit Union Confe...NAFCU Services Corporation
The ever-changing and almost daily shifts in the market provide enormous opportunities for credit unions to extend their reach by effectively leveraging debit and credit card programs. These programs are highly visible, provide important consumer functionality and drive revenue and membership growth. In this 2012 Strategic Growth Conference session, we get to learn how to combine the messages in the market with your credit union brand to capitalize on this unique time, including promoting card features and functionality necessary to differentiate your credit union. We will also look at an analysis of key performance indicators and industry benchmarking data to see how your credit union stacks up! More info at: www.nafcu.org/vantiv
Personal SWOT analysis & SWOT analysis of Kotak Mahindra BankJiniaBanerjee1
This presentations consists of my personal SWOT analysis and SWOT of Kotak Mahindra Bank. It also includes a brief history about Kotak Mahindra bank, its competitors, Its financial analysis, shareholding pattern, its products and services and finally, the conclusion.
This is a overview of the business of banking, including retail, business and investment banking. We have also included introductions to other financial services like credit cards, credit rating agencies, mutual funds and the business processes used to process loan transactions, credit card payments, and a range of other banking services and products. Useful for anyone who would like an overview of the banking industry. Downloads will be allowed for 30 days. After that you can contact me if you would like the file.
This is a brief result of a pilot project on rainfall ( weather insurance) in Gujarat . Financially supported by NABARD. The objective is to assess the acceptability of the product by the farming community , so as to convince the State Govt to support the initiative. Presently the State Govt only supports the normal NAIS- normal crop insurance scheme
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
Lecture slide titled Fraud Risk Mitigation, Webinar Lecture Delivered at the Society for West African Internal Audit Practitioners (SWAIAP) on Wednesday, November 8, 2023.
BONKMILLON Unleashes Its Bonkers Potential on Solana.pdfcoingabbar
Introducing BONKMILLON - The Most Bonkers Meme Coin Yet
Let's be real for a second – the world of meme coins can feel like a bit of a circus at times. Every other day, there's a new token promising to take you "to the moon" or offering some groundbreaking utility that'll change the game forever. But how many of them actually deliver on that hype?
This presentation poster infographic delves into the multifaceted impacts of globalization through the lens of Nike, a prominent global brand. It explores how globalization has reshaped Nike's supply chain, marketing strategies, and cultural influence worldwide, examining both the benefits and challenges associated with its global expansion.
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how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the what'sapp information for my personal pi vendor.
+12349014282
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 what'sapp contact of my personal pi merchant to trade with.
+12349014282
1. Elemental Economics - Introduction to mining.pdfNeal Brewster
After this first you should: Understand the nature of mining; have an awareness of the industry’s boundaries, corporate structure and size; appreciation the complex motivations and objectives of the industries’ various participants; know how mineral reserves are defined and estimated, and how they evolve over time.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the what'sapp contact of my personal pi merchant to trade with
+12349014282
2. Bank network for rural credit
June 2002
NABARD
Reserve Bank of India Government of India
NABARD
Public Sector Private Foreign
Banks (27) RRBs (196) Banks (31) Banks (41)
TOTAL
Rural 19,275 12,060 1,138 0 32,473
Semi-urban 10,903 2,037 1,761 2 14,703
Urban 8,737 359 1,322 20 10,438
Metro 7,203 17 1,155 180 8,555
Total 46,118 14,473 5,376 202 66,169
+ the cooperative banks , about 92,000 Primary agri. Credit Societies
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
3. The Dilemma of ….. The Inverted Pyramid
NABARD
Banks
Rural
population
Large Banking infrastructure, enhanced outreach in rural areas , 70
million small loans, pro-poor policies, subventions, programmes and
intentions like directing credit to the rural areas, large resource base of
banks, good manpower and sound control systems…….
….BUT …the Debt and investment surveys revealed skewness in credit
flow, declining household debt from non- institutional agencies still
formed a sizable measure.
The search for reasons and the mismatches started….in the 1980s
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
4. Findings from Research studies …..
NABARD …… in the 1980s
Savings and credit products did not suit the needs of the poor
Procedures were complicated and cumbersome
High transaction costs for the poor and the delivery system
System did not provide for anything to fall back on
Even special poverty alleviation programmes did not recognise importance of
savings
Resources handled were often larger than the poor’s capacity to handle
“Others” decided everything
So we were
looking for…
the POOR just wanted…. Or just Sustainable approaches
•Mechanism to keep their limited Hassle-free Products that match
resources safely financial Needs & capacities
• Credit to meet emergencies services Reduce trans costs
• Credit for mEs
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
5. NABARD The Self Help Group (SHG). . What is it ?
A homogeneous group of about 15 to 20
Every member to save a small amount regularly. Pooled savings
kept in a savings bank account in SHG’s name
transaction costs of both the poor and bank reduced !
SHG to use pooled thrift to give interest bearing loans to
members – decisions taken in group meetings
Every member learns prioritisation and financial discipline.
Their capacities to think and handle larger resources
improves!
Depending on the SHG’s maturity, bank gives loan to the SHG as
a multiple of the pooled savings. Bank loan added to the SHG
kitty.
Adequate & sustained access to financial services!
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
6. NABARD
Design features
Enables exclusion of rich
Self-selection
Self-
Focus on women
Saving first and credit later
Intra group appraisal systems and
prioritization:
Credit rationing
Shorter repayment terms
Market rates of interest
Progressive lending
Multi-eyed operation
Multi-
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
7. landmarks
NABARD
YEARWISE SHGs CREDIT LINKED News letter
Distance Edn Tech..
10
Other New Fund
200000 SHPIs
Banks
150000 Working as SHPI
Group
100000 Reorienting Vision
Training + TF
Separate Fund
50000
Pilot
0 Rating,
1 2 3 4 5 6 7 8 Documentation,
9 10
YEARS
“WE MAKE BANKING POSSIBLE WITH THE Recg, THE LOST AND THE LEAST”
Govt . LAST Training
8. NABARD
Stages of YEARWISE SHGs CREDIT LINKED Programme
SHG Bank Linkage
200000 Growth
& Expansion
150000
100000 Mainstreaming
Introduction
and Validation
50000
0
1 2 3 4 5 6 7 8 9 10
YEARS
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
9. NABARD
The Product converges…..
FORMAL and INFORMAL
Systems
FINANCE Capital and SOCIAL
Capital
Systems & procedures and
FLEXIBILITY
PROFESSIONALISM and Local
Knowledge
An Indianised Product –
Researched, Tested,
Piloted, Grown, Expanded,
……….. and Now A
MOVEMENT……….
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
10. NABARD SHG-Bank Linkage … Progress
As at…… Mar 93 Mar 96 Mar 04 Mar 2009
• SHGs linked 255 4,757 10,79,000 42.24 lakh
• % women’s groups 70 74 90 82
• Families assisted 5,100 80,000 16.7 Million 59.10 Mil
• Banks participating 14 95 560 570+
• NGO Partners 32 127 3000 3400+
• Districts covered 26 157 564 564
• Aggregate bank loans 1.5 6.2 3901 22,679 (o/s)
handled (Rs Crore)
• NABARD Refinance (Rs crore) 2124 4,200(app)
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
11. NABARD
Building social capital..
NGOs
Banks
Socially committed SHPIs
individuals
Government
Farmers’ clubs functionaries
Mobilizing Communities …..
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
12. Commitment building thru capacity building …
NABARD
Stakeholders
Cadre of
Trg centre trainers
Partnership
IGNOU Training Training
partnership Approaches consultation
Dissemination TNA
of materials Designing
Trg modules
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
13. Our manpower building approaches …
NABARD
Bankers
6 different training and exposure programmes for CEOs,
Directors on Boards, middle management, branch
managers, field staff
NGOs
3 different training and exposure programmes for CEOs
and field staff, Refresher programmes
Govt officials
3 different training and exposure programmes for senior
bureaucrats, middle level operational functionaries, and
field staff
Trainers
3 different programmes to equip trainers from Banks,
Government, and NGOs.
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
14. NABARD
What was the impact ?…..contd…
Infrastructure building microFinance Income Generation
(physical, social & community assets
(Savings and credit) (Encouragement and advice)
Emergency Prevention
Banker friendly Leveraging Govt contracts-
(recurring natural calamities)
market/recovery/image hatts/ quarrying/fish pond/
milestone/ health related
Peace Social Evil Eradication
(Interfaith, (Alcohol abuse,
inter-caste tolerance Self-Help spousal abuse,
and conflict resolution)
Initiatives excessive dowry,
Undesirable social practices
gender space,)
Watershed Management
Education
(Water users groups, (School for children, Civil Society
infrastructure maintenance, (Women members
adult literacy. run for elected office)
share practices)
Peer education )
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
15. NABARD and microFinance
NABARD
INFLUENCING INVOLVING ENCOURAGING
POLICY INSTITUTIONS INNOVATIONS
MOTIVATING
CREDIT SUPPORT
PARTNERS
NABARD
TECHNICAL COORDINATION
SUPPORT WITH PARTNERS
GROUP GROUP
FORMATION TRAINING AND LINKAGE
CAPACITY BUILDING
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
16. NABARD
Other initiatives
Grain banks and SHGs
Computer munshi
IT integration with processor cards
Rural Volunteers are book keepers
Project on e-grama
Social Security system for SHGs
Other Credit models – JLGs /Raithu Mitra Groups
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
17. Our simple strategy . . . . . .
NABARD
Continue to invest in development of Human Capital
Strengthen outreach in infrastructurally weak areas
Intensify diverse training and sensitization approaches
Selectively meet costs of SHG promotion by different SHG
promoting institutions
Address post-finance management issues of banks
Integrate IT in mF systems – enhancing efficiency !!
Diffuse learnings and share good practices
Contain supply side anxieties
“WE MAKE BANKING POSSIBLE WITH THE LAST , THE LOST AND THE LEAST”
18. Thank you
NABARD
Committed to Rural Prosperity
For more details log on to
www.nabard.org