Rural credit and self help groups (Record no. 67556)

MARC details
000 -LEADER
fixed length control field 03134nam a2200193Ia 4500
005 - DATE AND TIME OF LATEST TRANSACTION
control field 20220518153745.0
008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION
fixed length control field 200204s9999 xx 000 0 und d
020 ## - INTERNATIONAL STANDARD BOOK NUMBER
International Standard Book Number 761993452
082 ## - DEWEY DECIMAL CLASSIFICATION NUMBER
Classification number 332.710954 KAR
100 ## - MAIN ENTRY--PERSONAL NAME
Personal name Karmakar, K. G.
245 #0 - TITLE STATEMENT
Title Rural credit and self help groups
260 ## - PUBLICATION, DISTRIBUTION, ETC.
Place of publication, distribution, etc. New Delhi
260 ## - PUBLICATION, DISTRIBUTION, ETC.
Name of publisher, distributor, etc. Sage Publications
260 ## - PUBLICATION, DISTRIBUTION, ETC.
Date of publication, distribution, etc. 1999
300 ## - PHYSICAL DESCRIPTION
Extent 374 p.
520 ## - SUMMARY, ETC.
Summary, etc. Why have I inflicted one more book about rural credit on an unsuspecting audience? An explanation is needed! Having worked as an officer in vari ous banks for over 22 years, I have come to respect our rural people who comprise the heartland of India. It is they who have constantly defied all odds to feed us all, assimilating new technologies and systems over the years.<br/><br/>From time immemorial, it is the urban dweller who has had access to the seats of power and utilised the wealth of rural India to build cities and towns and monuments. This deprivation continues even today with the powerful and the mighty continuing to rule in favour of the urban elite, ignoring the real problems of India's poverty. Today, rural credit is good for ritual speeches, some peripheral reports and studied neglect. The sad truth is that rural India is being served by an unhealthy credit delivery system and that institutional credit meets only about 12 per cent of the annual credit requirements of the farm sector. The rural non-farm sector also suffers from neglect and lip-service.<br/><br/>As if by rote or ritual, every few months, speeches can be heard stating that the rural credit delivery system needs to be revamped. But as there is no one who wishes to commit political suicide, very little is done. Over 35 per cent of the people below the poverty line (constitute about 50 per cent of the population) are untouched by the various credit schemes and government programmes! India can never attain its rightful place in the world's economy, unless we ensure that the genuine credit requirements of the rural economy are met. But with a poor resource base and lack of political will in diverting crucial financial resources for creation of an adequate economic infrastructure, rural India continues to suffer from of ficial apathy and perennial lack of funds. We tend to ignore the fact that the largest private sector investment is in the agricultural sector!<br/><br/>To break the grinding cycle of rural poverty, we need to ensure that a chance is given to micro-entrepreneurs and potential micro-entrepreneurs; or else, in a market-driven economy, the rural poor will not have any chance to secure their rightful place. This book seeks to examine the state of the rural credit system and study the micro-finance needs of the rural poor. It offers the solution of Self-help Groups (SHGs) to enable the rural poor to aim for economic empowerment and a right to live with dignity! These SHGS offer the easiest and most economical method of enabling the rural poor to contribute their mite to the rural economy. The rural poor do not deserve to be marginalised forever. Hence this book!
650 ## - SUBJECT ADDED ENTRY--TOPICAL TERM
Topical term or geographic name entry element Agricultural credit India
942 ## - ADDED ENTRY ELEMENTS (KOHA)
Koha item type Books
Source of classification or shelving scheme Dewey Decimal Classification
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  Not Missing Not Damaged   Gandhi Smriti Library Gandhi Smriti Library   2020-02-04   332.710954 KAR 83441 2020-02-04 2020-02-04 Books

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