Rural Finance Study an understanding of a number of banks and finance companies have begun to specialize in offering credits to farmers, farming finance is a service of utmost importance and closely related to the continued progress of the country as agriculture continues to play a center role. It promoting by RC&M India Experiential Marketing & brand promotions Company.
I explained What is rural development bank? Major kinds, current status of rural development bank, objectives and functions of Rural development bank, major problem of Rural development bank
This presentation is based on Financial Inclusion, Financial Inclusion is the process of ensuring access to appropriate financial products and services needed by all sections of the society in general and vulnerable groups such as weaker sections and low income groups in particular at an affordable cost in a fair and transparent manner by mainstream institutional players.
I explained What is rural development bank? Major kinds, current status of rural development bank, objectives and functions of Rural development bank, major problem of Rural development bank
This presentation is based on Financial Inclusion, Financial Inclusion is the process of ensuring access to appropriate financial products and services needed by all sections of the society in general and vulnerable groups such as weaker sections and low income groups in particular at an affordable cost in a fair and transparent manner by mainstream institutional players.
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
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.
Understanding the Finance Industry in Rural India by RC&M India Experiential Rural Marketing Firm in India.
• Understanding the Finance Industry in Rural India
• Finance Presence in Rural India
• Rural Finance Penetration in India
• Finance Presence Geographic Segmentations
• Rural Finance Growth & Potential
• Rural Finance Potential
• Rural Finance Growth
• Rural Customer Finance Preferences
• Finance Preference in a Rural Household
• Rural Finance Preference Breakup
• Rural Finance Agency wise & Region wise Penetration
• Initiative in Rural Finance
Case Study (MIS in Finance) -- State Bank of India (TCS)Shabbir Akhtar
[ the presentation can be found at: http://slidesha.re/MIS-finance ] Case Study on State Bank of India used to present the effect of MIS (BaNCS by TCS) in Finance by Shabbir Akhtar for the subject Management Information System.
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
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.
Understanding the Finance Industry in Rural India by RC&M India Experiential Rural Marketing Firm in India.
• Understanding the Finance Industry in Rural India
• Finance Presence in Rural India
• Rural Finance Penetration in India
• Finance Presence Geographic Segmentations
• Rural Finance Growth & Potential
• Rural Finance Potential
• Rural Finance Growth
• Rural Customer Finance Preferences
• Finance Preference in a Rural Household
• Rural Finance Preference Breakup
• Rural Finance Agency wise & Region wise Penetration
• Initiative in Rural Finance
Case Study (MIS in Finance) -- State Bank of India (TCS)Shabbir Akhtar
[ the presentation can be found at: http://slidesha.re/MIS-finance ] Case Study on State Bank of India used to present the effect of MIS (BaNCS by TCS) in Finance by Shabbir Akhtar for the subject Management Information System.
A Study to Assess the Effectiveness and Reliability of the Telemedicine Bring...Rajat Agarwal
Telemedicine business in India is estimated to expand at a good pace. The
aim of the present study is to assess the effectiveness and reliability of the
telemedicine equipment in bringing specialist healthcare to the rural areas,
and complimenting it with a case study conducted in the Pilani. The study
was also presented in AIIMS as a part of the National Conference for MedicalInformatics (NCMI 2012) and was published in their journal.
Finance presence in Rural areas of India today; is in the following forms:
Nationalized Banks
Private Banks
Credit Societies
Co-operative Banks
Informal loans (Money Lenders)
• Understanding the Finance Industry in Rural India
• Finance Presence in Rural India
• Rural Finance Penetration in India
• Finance Presence Geographic Segmentations
• Rural Finance Growth & Potential
• Rural Finance Potential
• Rural Finance Growth
• Rural Customer Finance Preferences
• Finance Preference in a Rural Household
• Rural Finance Preference Breakup
• Rural Finance Agency wise & Region wise Penetration
• Initiative in Rural Finance
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.
International Journal of Humanities and Social Science Invention (IJHSSI) is an international journal intended for professionals and researchers in all fields of Humanities and Social Science. IJHSSI publishes research articles and reviews within the whole field Humanities and Social Science, new teaching methods, assessment, validation and the impact of new technologies and it will continue to provide information on the latest trends and developments in this ever-expanding subject. The publications of papers are selected through double peer reviewed to ensure originality, relevance, and readability. The articles published in our journal can be accessed online.
Meaning, Features of RRBs, Objectives of Regional Rural Banks, Formation and Development of Regional Rural Banks, Reform process of RRBs, For Development/ Promotion/ & Effectiveness of RRBs., Working of RRBs, Functions of RRBs, Structure of Rural Credit
Scope of Education in Rural India
• Change & Evolution in the Education Scenario in Rural India in last 5 years
• TG Aspirations, Perception & Growth
• Education Market - Scope of Evolution
• Industrial Scenano Example
• Digitized Way of Teaching
• Challenges
• Agency Role in Meeting the Challenges
How the Occupation Perception is changing….
How the Education Perception is changing...
Education Market Scope of Evolution
Education in rural areas
Students Aspirations & Perception towards Educational Institutes
Scope of Educational Institutes in Rural & Semi-Urban Towns...
BOSHE Mechanic understanding an idea for making New customer development by RC&M India. Major Heads of Mechanic understanding are mechanic distribution, mechanic life style, mechanic customer orientation, information about spark plugs, mechanic concerns.
Grameeno k beech-2 is An idea for Rural marketing & Brand Promotions which would bring customers by RC&M India. RC&M India one of the best Experiential Marketing Company in India. It involves in cost effective consumer contact activations, interaction opportunities, higher possibilities for new acquisitions, on spot product experience, qualitative data capturing
RC&M India one of the best Experiential Marketing and Rural Marketing Company in India. It offering Rural Marketing for Establish Arjun Ultra as the preferred choice of farmer. its Roaring Agri facts are personal purchasing power has increased for big farmars & otherwise, increased use of tractors for non-agri purposes like haulage, mode of transport & construction industry and Government's encouragement to contract farming has lead to higher demand of high HP tractors.
Establish the air flow positioning for Mahindra Bhoomiputra 235 DI tractor by RC&M India. Its Brand objectives are grab shares in th <30 HP segment, Re-position the competition and Establish the Airflow positioning for the customers who need for low HP tractor, need high mileage in low cost, low operating cost, seeks raise in social status.
Kseniya Leshchenko: Shared development support service model as the way to ma...Lviv Startup Club
Kseniya Leshchenko: Shared development support service model as the way to make small projects with small budgets profitable for the company (UA)
Kyiv PMDay 2024 Summer
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Digital Transformation and IT Strategy Toolkit and TemplatesAurelien Domont, MBA
This Digital Transformation and IT Strategy Toolkit was created by ex-McKinsey, Deloitte and BCG Management Consultants, after more than 5,000 hours of work. It is considered the world's best & most comprehensive Digital Transformation and IT Strategy Toolkit. It includes all the Frameworks, Best Practices & Templates required to successfully undertake the Digital Transformation of your organization and define a robust IT Strategy.
Editable Toolkit to help you reuse our content: 700 Powerpoint slides | 35 Excel sheets | 84 minutes of Video training
This PowerPoint presentation is only a small preview of our Toolkits. For more details, visit www.domontconsulting.com
Premium MEAN Stack Development Solutions for Modern BusinessesSynapseIndia
Stay ahead of the curve with our premium MEAN Stack Development Solutions. Our expert developers utilize MongoDB, Express.js, AngularJS, and Node.js to create modern and responsive web applications. Trust us for cutting-edge solutions that drive your business growth and success.
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RMD24 | Debunking the non-endemic revenue myth Marvin Vacquier Droop | First ...BBPMedia1
Marvin neemt je in deze presentatie mee in de voordelen van non-endemic advertising op retail media netwerken. Hij brengt ook de uitdagingen in beeld die de markt op dit moment heeft op het gebied van retail media voor niet-leveranciers.
Retail media wordt gezien als het nieuwe advertising-medium en ook mediabureaus richten massaal retail media-afdelingen op. Merken die niet in de betreffende winkel liggen staan ook nog niet in de rij om op de retail media netwerken te adverteren. Marvin belicht de uitdagingen die er zijn om echt aansluiting te vinden op die markt van non-endemic advertising.
Attending a job Interview for B1 and B2 Englsih learnersErika906060
It is a sample of an interview for a business english class for pre-intermediate and intermediate english students with emphasis on the speking ability.
Personal Brand Statement:
As an Army veteran dedicated to lifelong learning, I bring a disciplined, strategic mindset to my pursuits. I am constantly expanding my knowledge to innovate and lead effectively. My journey is driven by a commitment to excellence, and to make a meaningful impact in the world.
RMD24 | Retail media: hoe zet je dit in als je geen AH of Unilever bent? Heid...BBPMedia1
Grote partijen zijn al een tijdje onderweg met retail media. Ondertussen worden in dit domein ook de kansen zichtbaar voor andere spelers in de markt. Maar met die kansen ontstaan ook vragen: Zelf retail media worden of erop adverteren? In welke fase van de funnel past het en hoe integreer je het in een mediaplan? Wat is nu precies het verschil met marketplaces en Programmatic ads? In dit half uur beslechten we de dilemma's en krijg je antwoorden op wanneer het voor jou tijd is om de volgende stap te zetten.
Tata Group Dials Taiwan for Its Chipmaking Ambition in Gujarat’s DholeraAvirahi City Dholera
The Tata Group, a titan of Indian industry, is making waves with its advanced talks with Taiwanese chipmakers Powerchip Semiconductor Manufacturing Corporation (PSMC) and UMC Group. The goal? Establishing a cutting-edge semiconductor fabrication unit (fab) in Dholera, Gujarat. This isn’t just any project; it’s a potential game changer for India’s chipmaking aspirations and a boon for investors seeking promising residential projects in dholera sir.
Visit : https://www.avirahi.com/blog/tata-group-dials-taiwan-for-its-chipmaking-ambition-in-gujarats-dholera/
Putting the SPARK into Virtual Training.pptxCynthia Clay
This 60-minute webinar, sponsored by Adobe, was delivered for the Training Mag Network. It explored the five elements of SPARK: Storytelling, Purpose, Action, Relationships, and Kudos. Knowing how to tell a well-structured story is key to building long-term memory. Stating a clear purpose that doesn't take away from the discovery learning process is critical. Ensuring that people move from theory to practical application is imperative. Creating strong social learning is the key to commitment and engagement. Validating and affirming participants' comments is the way to create a positive learning environment.
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[Note: This is a partial preview. To download this presentation, visit:
https://www.oeconsulting.com.sg/training-presentations]
Sustainability has become an increasingly critical topic as the world recognizes the need to protect our planet and its resources for future generations. Sustainability means meeting our current needs without compromising the ability of future generations to meet theirs. It involves long-term planning and consideration of the consequences of our actions. The goal is to create strategies that ensure the long-term viability of People, Planet, and Profit.
Leading companies such as Nike, Toyota, and Siemens are prioritizing sustainable innovation in their business models, setting an example for others to follow. In this Sustainability training presentation, you will learn key concepts, principles, and practices of sustainability applicable across industries. This training aims to create awareness and educate employees, senior executives, consultants, and other key stakeholders, including investors, policymakers, and supply chain partners, on the importance and implementation of sustainability.
LEARNING OBJECTIVES
1. Develop a comprehensive understanding of the fundamental principles and concepts that form the foundation of sustainability within corporate environments.
2. Explore the sustainability implementation model, focusing on effective measures and reporting strategies to track and communicate sustainability efforts.
3. Identify and define best practices and critical success factors essential for achieving sustainability goals within organizations.
CONTENTS
1. Introduction and Key Concepts of Sustainability
2. Principles and Practices of Sustainability
3. Measures and Reporting in Sustainability
4. Sustainability Implementation & Best Practices
To download the complete presentation, visit: https://www.oeconsulting.com.sg/training-presentations
Implicitly or explicitly all competing businesses employ a strategy to select a mix
of marketing resources. Formulating such competitive strategies fundamentally
involves recognizing relationships between elements of the marketing mix (e.g.,
price and product quality), as well as assessing competitive and market conditions
(i.e., industry structure in the language of economics).
2. Project: Rural finance Mission: New business development , finance Category: Research Agency: RC&M Client: Mulitple
3. Index Introduction Rural Finance – An Understanding Finance Presence in Rural India The Challenges Enabling Measures Banking Strategy - Long Term Impact Case Studies Going Forward – Next Steps Annexure I
4. Introduction In India, over 65% of the population resides in villages. And approx, 70% of the villagers do not have bank accounts. But Finance is not completely absent. Just the sources of supply are informal like moneylenders Moneylenders are said to control one third of all rural loans, and wield considerable strength, given their personal acquaintance with the local population and omnipresent distribution network.
6. Rural finance- An understanding A number of banks and finance companies have begun to specialize in offering credit to farmers. Finance in this sector has the added benefit of supporting further work in regional areas. As banks and financial services continue to extend their services into rural India they are generating employment in the vicinity.
7. Rural finance- An understanding Rural finance is a line of credit specifically intended for the requirements of the agricultural industry. Ranging from mortgage assistance to land development and farming equipment, these credit plans are a significant aspect of rural and semi-urban support. In a country like India, farming finance is a service of utmost importance and closely related to the continued progress of the country, as agriculture continues to play a central role.
17. Under this programme, every adult member of a rural household in the selected villages would be encouraged to open a 'No Frills' account with minimum entry-level formalities.List of all RRB Banks across India – see Annexure I, at the end of the presentation
18.
19. A one man office (known as “kendra”) in the village forms an interface between the villager and the Bank’s products and facilities. Crop loans, housing loans, automobile loans, farm equipment, seed financing and insurance policies are all on offer.
20.
21.
22. More or less, all the banks are using an agent-based model , as the typical branch-based model does not work here due to cost economics.
33. Case Study – II : Example of SHG (aiding villagers’ Finance) Karunya, a woman’s self help group Can be found at the vegetable market in Santhivila, a village on the outskirts of Thiruvananthapuram. They are a group of 16 young women who have changed the local economy. They are members of Karunya, a women's self-help group registered with Kudumbasree, the state Government's Poverty Eradication Project. None of them had a job till they formed Karunya in 2007 The local gram panchayat gave the group Rs 1 lakh and space at the local vegetable market. With the seed money, they took a bank loan to start a unit making paper boards, cloth bags, office files, pens, pencils etc. Today, Karunya is one of the most popular brands in these products. There are an incredible 37 lakh poor women who are members of Kudumbasree, making it Asia's largest women's self-help and micro-credit movement.
38. Challenges Some of the major challenges which intermediaries (Local Financial Institutions) face today in India are: The supply dilemma: The exclusion of large numbers of the rural population from the formal banking sector may be for several reasons from the supply side: Persons are un-bankable in the evaluation/perception of bankers The loan amount is too small to invite attention of the bankers The person is bankable on a credit appraisal approach but supporting the accounts and expanding branch network is not feasible and viable
39.
40. Lack of collateral security Inability to evaluate and monitor cash flow cycles and repayment capacities due to information asymmetry, lack of data base and absence of credit history of people with small means
41. Human resources related constraints both in terms of inadequacy of manpower and lack of proper orientation/expertise
53. Casestudy III- Technology adopted The card allows: Micro-credit, money transfer [account-to-account within the system], Micro-insurance Cashless payments to merchants SHG Savings-cum-credit accounts and attendance systems Disbursements of Government benefits like the national rural employment guarantee scheme, for equated monthly installments Utility payments, coupons, vouchers, tickets, automatic fare collection systems, etc.
54. Casestudy IV- Technology adopted The corporation bank: The Corporation Bank adopted a branchless banking model in August 2007. The bank opted for a branchless banking model based on Business Correspondents [BCs] and use of a small hand held device. This technology enabled bank to reach out the villagers by offering them savings and loan products at their door steps there by saving of customers time and cost of travel to branch. The bank is able to reach out to the hitherto unreached segments and mop up rural savings at lower transaction costs.
55. Banking Strategy - long term target To tap huge rural finance potential, the RBI is considering other innovative measures like (which are being adopted by private banks for developing strong foundation in rural finance market) : Allowing banks to use village moneylenders to reach the rural populace, given their personal acquaintance with the local population and ubiquitous distribution network. Banks hope to leverage their low cost funds to lend to moneylenders, who can in turn give loans to the rural folk at far lower rates that the usual monstrous 60-70%!
56. Case Study V-Strategy Adopted by a Microfinance Institution This Institution , has a base in smaller villages and districts across India Deeper regions like Bhor, Saswad, Talegoan, Saidpur, Goasigang, Gouribazar, Deoria, Tadipatri, Nizamabad, Gadag, Davangere and Perundurai are among the more than 5,000 tehsils (also called talukas and mandals in various regions) where they are present today. In this case study, this institution promoted Reliance Money’s schemes in the villages
57. Case Study V-Strategy Adopted by a Microfinance Institution Local Partners - They realized that employing city-based managers in these areas would not be a viable option as local people would never trust and feel comfortable with a non-native person who did not speak their language. So they devised a strategy which relied heavily on local partners. Franchisee route - It was extremely important for them to work with the existing eco-system prevailing in the hinterland as opposed to trying to create a new or parallel structure. They decided to take the franchisee route and appoint at least three or four local youths as their franchisees in each tehsil. Typically, all their franchisees were people whose families have resided in the area for several generations and who know most of the people residing in the village and are also known to people in the surrounding areas.
58. Case Study V-Strategy Adopted by a Microfinance Institution How it helped: This strategy helped them to achieve financial inclusion of the rural masses while creating a new breed of local entrepreneurs who could bring financial products and services closer to the villagers. With continuous training, they converted their local partners into brand ambassadors, advising locals on financial investments and selling them appropriate financial products in an extremely beneficial manner. An interesting aspect that they noticed during this exercise was the fact that not all their franchisees were illiterates. A sizeable chunk of them were graduates and some were even MBAs
59. Case Study V-Strategy Adopted by a Microfinance Institution Like all initiatives, their rural foray also has had its share of highs and lows. However, there have been amazing lessons and insights, too. When they started their rural initiative, they had designed bright neon lit signs to be hung outside the kiosks. They thought the signs would attract attention and bring in a crowd. However, their thought process was off track. The glossy signs intimidated villagers and made them wary. They redesigned these signs to make them blend with the background of the region. Also started using traditional painting techniques used in village homes. To promote our money transfer facility, we conducted road shows in regional languages.
60. Case Study V-Strategy Adopted by a Microfinance Institution Challenges encountered and resolved in this journey: Logistics Issue - Even after two years, logistics still pose a major challenge. They had to pre-plan each and every step and schedule timelines. The first step was to ensure that the forms and the marketing material reached the villages on time. They then had to get the forms filled in and delivered to the bidding centers on time. On certain occasions the deadlines were missed because they underestimated the travel time and costs. Solution - Learning from this experience, they fine-tuned the entire operation to close two days prior to the actual closing date.
61. Case Study V-Strategy Adopted by a Microfinance Institution Challenges encountered and resolved in this journey: Success - Overall, experience in this initiative has been mixed. It was pre-recognized that the exercise will pay dividends only in the long-run. Just because 70% of the country’s population is dependent on agriculture and lives in the villages, they knew that they will not get 70% of their income in financial services from villages in two years’ time. However the 80-20 principle (that 80% of the locations give you 20% of your income) works in rural India as well and they had already seen this in operation, allowing them to sharpen their marketing and distribution strategies.
63. Going forward- Next Steps Agricultural assistance must concentrate more on future earning power than the borrower's current position. As with any loan, the lender should reasonably demonstrate a capacity to repay the amount borrowed, but in the case of credit for farmers, providers are often dealing with lower income groups. Understanding this customer is essential. As banks and financial services continue to extend their services into rural India they are generating employment in the vicinity. This employment ensures that customers can relate to the local face of the institution. It also represents a significant basis for skill development.
64. Going forward- Next Steps Appreciated as a key impetus in poverty reduction, this type of support can greatly assist regional development and growth. The creation of a business model that takes the unique needs of non-urban India into account, along with the unique challenges, is the key to success for companies working within this field. The conditions surrounding rural business are never constant. Ruined crops, bad monsoon seasons and natural disasters are just some of the ever present, largely uncontrollable factors. Those offering services in this area must commit to supporting their customers through both turbulent and growth patch of time. If this can be achieved, rural finance has a huge market to work in.