nabard final
TRANSCRIPT
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Rinto rajan (dm 05 049)
P Rahul Narayana (dm 05 048)
Raghu( dm 05 047)
Manasa (dm 05 046)
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An introduction
NABARD is set up as an apex Development Bank with a mandate forfacilitating credit flow for promotion and development of agriculture, small-scale industries, cottage and village industries, handicrafts and other ruralcrafts.
Providing refinance to lending institutions in rural areas
Bringing about or promoting institutional development and
Evaluating, monitoring and inspecting the client banks
Acts as a coordinator in the operations of rural credit institutions
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NABARD's Micr Fi a ce -
Visi a MissiVision:
Empowerment of rural poor by improving their access to theformal credit system through various MF innovations in a cost
effective and sustainable manner
Mission:
To extend financial services to one third of India's unreached
and underserved rural poor numbering nearly 100 million
through one million SHGs with focus on women during a ten
year period through various microfinance interventions
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objectives
The main objectives of the NABARD as stated in the statement of objectiveswhile placing the bill before the Lok Sabha were categorized as under
The National Bank will be an apex organisation in respect of all mattersrelating to policy, planning operational aspects in the field of credit forpromotion of Agriculture, Small Scale Industries, Cottage and VillageIndustries, Handicrafts and other rural crafts and other allied economicactivities in rural areas.
The Bank will serve as a refinancing institution for institutional creditsuch as long-term, short-term for the promotion of activities in the ruralareas.
The Bank will also provide direct lending to any institution as mayapproved by the Central Government.
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Major activities
Refinancing banks for extending loans for investment andproduction purpose in rural areas.
Providing loans to State Government/Non GovernmentOrganizations (NGOs)/Panchayati Raj Institutions (PRIs) fordeveloping rural infrastructure.
Supporting credit innovations of Non Government
Organizations (NGOs) and other non-formal agencies.
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NABARD a Micr fi a ce
INFLUENCINGPOLICIES
NABARD
INVOLVINGINSTITUTION
CREDIT SUPPORT
TECHNICAL
SUPPORT
ENCOURAGINGINNOVATIONS
MOTIVATINGPARTERNERS
COORDINATION
WITH PARTNERS
GROUPFORMATION
TRANNING ANDCAPACITY BUILDING
GROUP LINKAGE
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Orga izati al str ct re
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Nabard subsidiaries
Nabcons
The main objectives of the Company are to providefinancial services in two broad areas of agriculture
and microfinance
Nabfins
engaged in providing consultancy in all spheres ofagriculture, rural development and allied areas.Nabcons leverages on the core competence of the
NABARD in the areas of agricultural and ruraldevelopment, especially multidisciplinary projects,banking, institutional development, infrastructure,training, etc., internalized for more than twodecades
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Thrust areas
Ground level credit flow to agriculture and alliedsector.
Kisan credit card.Water shed devolopment
Non-farm sector
Micro finance
Empowerment of rural women
Support to weaker sections
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NABARD today
Undertakes monitoring and evaluation of projectsrefinanced by it.
Promotes research in the fields of rural banking,agriculture and rural development.
Functions as a regulatory authority, supervising,monitoring and guiding cooperative banks andregional rural bank.
Initiates measures toward institution-building forimproving absorptive capacity of the credit deliverysystem, including monitoring, formulation ofrehabilitation schemes, restructuring of creditinstitutions, training of personnel
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NABARD manpower building approaches
Bankers
Different training and exposure programmes for CEOs, Directors on Boards,middlemanagement, branch managers, field staff
NGOs
Different training and exposure programmes for CEOsand field staff, Refresherprogrammes
Government officials
Different training and exposure programmes for senior bureaucrats,middle leveloperational functionaries, and field staff
Trainers
Different programmes to equip trainers fromBanks, Government, and NGOs
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Different models of microfinance
Models of microfinance involving credit linkage withbanks :
SHG - Bank Linkage Model : This model involves the
SHGs financed directly by the banking agencies viz.Commercial Banks (Public Sector and Private Sector),Regional Rural Banks (RRBs) and Co-operative Banks.
MFI - Bank Linkage Model : This model covers financingof Micro Finance Institutions (MFIs) by banking
agencies for on-lending to SHGs and others smallborrowers covered under microfinance sector.
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Desig feat res f SHGs
Enables exclusion of rich
Self-selection
Focus on women
Saving first and credit later
Credit rationing
Shorter repayment terms
Market rates of interest
Progressive lending
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Associateswith nabard
The World Bank Group The International DevelopmentAssociation
Kreditanstalt fur wiederaufbau (kfw)
Swiss agency for development and co operation.
Commission on European community.
Asian-specific rural and agricultural credit association.
International funds for agricultural development .
Deutsche Gesellschaft fur Techniche Zussammenardeit -GTZ
Organisation of Petroleum Exporting Countries - OPEC
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Overall Pr gress er Micr fi a ce f r the years 2006-07a 2007-08
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Savi gs f SHGs ith Ba ks- Age cy Wise p siti f r theyears 2006-07 a 2007-08
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Ba k l a istri te t SHGs- Age cy Wise p siti f r theyears 2006-07 a 2007-08
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Rec very Perf r a ce Age cy- ise (AllSHGs)
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Legal F r s f MFIs
Micro Finance Institutions (MFIs) are playing an important role offinancial intermediaries in microfinance sector. The MFIs operateunder various legal forms.
Registered under Societies Registration Act 1860 and / orIndian Trust Act 1880
Registered under State Co-operative Societies Act orMutually Aided Co-operative Societies Act (MACS) or Multi-State Co-op. Societies Act, 2002
under Section 25 of Companies Act, 1956 (Not for profit)
NBFC MFIs incorporated under Companies Act, 1956 ®istered with RBI
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Pr ti al eff rts yNABARD
NABARD Refinance Support to Banks
NABARD provides refinance support to banks to the extent of 100% of the bankloans disbursed to SHGs. The total refinance disbursed to banks against theirloans to SHGs during the year 2007-08 was Rs.1615.50 crore as againstRs.1292.86 crore during the year 2006-07 with a growth rate of 30%.
Promotional Support - SHG Bank Linkage
Training and Capacity building
Micro Enterprise Development Programme (MEDP) for skillDevelopment
Grant Support to Partner Agencies for Promotion andNurturing of SHGs
Pilot Project on SHG Post Office Linkage Programme
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References
http://www.nabfins.org/nabfins%20gallery
http://www.nabfins.org/partners
http://www.youtube.com/watch?v=XCPnVMHWEY8
http://www.youtube.com/watch?v=00Qf9HsmO3A
Nabrd.org
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