nabard final

8/7/2019 nabard final

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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 &registered 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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Documents

nabard final