OPPORTUNITIES AND CHALLENGES BEFORE

CO-OPERATIVES FOR SOUTHERN STATES

Held on

One Day Zonal Conference on

3, Siri Institutional Area, August Kranti Marg, New Delhi - 110016Phone : 26861988, 26861472, Fax : 011 - 26863248, 011- 26865350

E-mail : ncuidel@ndb.vsnl.net.in | Website : www.ncui.coop

NATIONAL COOPERATIVE UNION OF INDIANATIONAL COOPERATIVE UNION OF INDIANATIONAL COOPERATIVE UNION OF INDIA

th10 March 2018 at

RICM, Bengaluru

1

One day Zonal Conference on Opportunities and Challenges before Cooperatives of

SouthernStatescomprisingofKarnataka,TamilNadu,Kerala,AndhraPradesh,Telanganaand

Puducherrywasorganisedon10.3.2018byNationalCooperativeUnionof IndiaatRegional

InstituteofCooperativeManagement,Bengaluruwhichwasattendedbyprominentco-operator,

leadersandof�icialsoftheconcernedstatesandotherpartsofthecountry. TheChiefGuestof

functionwasDr.ChandraPalSinghYadav,M.P.(RajyaSabha)andChairman,NCUIandKRIBHCO.

InthebeginningSaraswatiVandanawaspresentedbyKumariSmruthi. Theprogrammewas

inauguratedbylightingoflampbyallthedistinguishedguests.

Dr Chandra Pal Singh Yadav, M.P. (Rajya Sabha) and President, NCUI lighting the lamp to inaugurate the Zonal Conference

OPPORTUNITIES AND CHALLENGES BEFORE CO-OPERATIVES

FOR SOUTHERN STATES

REPORT AND RECOMMENDATIONS

held on th10 March 2018 at RICM, Bengaluru

One day conference on

1

One day Zonal Conference on Opportunities and Challenges before Cooperatives of

SouthernStatescomprisingofKarnataka,TamilNadu,Kerala,AndhraPradesh,Telanganaand

Puducherrywasorganisedon10.3.2018byNationalCooperativeUnionof IndiaatRegional

InstituteofCooperativeManagement,Bengaluruwhichwasattendedbyprominentco-operator,

leadersandof�icialsoftheconcernedstatesandotherpartsofthecountry. TheChiefGuestof

functionwasDr.ChandraPalSinghYadav,M.P.(RajyaSabha)andChairman,NCUIandKRIBHCO.

InthebeginningSaraswatiVandanawaspresentedbyKumariSmruthi. Theprogrammewas

inauguratedbylightingoflampbyallthedistinguishedguests.

Dr Chandra Pal Singh Yadav, M.P. (Rajya Sabha) and President, NCUI lighting the lamp to inaugurate the Zonal Conference

OPPORTUNITIES AND CHALLENGES BEFORE CO-OPERATIVES

FOR SOUTHERN STATES

REPORT AND RECOMMENDATIONS

held on th10 March 2018 at RICM, Bengaluru

One day conference on

32

Shri N Satya Narayana, Chief Executive, NCUI giving introductory speech

Shri B.H. Krishna Reddy, President, Karnataka State Souharda Federal Cooperative Ltd. honouring Dr Chandra Pal Singh Yadav, President, NCUI

ShriB.S.Vishwanathan,Chairman,ManagingCommitteeofRICM,Bengaluruandveteran

co-operatorofcountryhashonouredDr.ChandraPalSinghYadav,ChiefGuestbypresenting

shawlandgarland.Director,RICM,BengaluruhonouredDr.BijenderSingh,Vice-President,NCUI,

ShriV.R.Patel,Chairman,NAFED,ShriK.SivadasanNair,MLAandG.C.Member,NCUI,ShriV.P.

Singh,Ex-PresidentandG.C.Member,NCUI,ShriMangalJitRai,Chairman,NationalCooperative

DairyFederation,ShriM.Ganagi,CGM,NABARD,Bengaluru,andShriN.SatyaNarayana,Chief

Executive,NCUIbypresentingshawlandgarland,whoweresittingonthedais.

ShriArunKumar,ManagingDirectorKarnatakaStateCooperativeFederation,Bengaluru

felicitatedallotherguestsanddelegatesbypresentingshawl.ShriB.H.KrishnaReddy,President,

KarnatakaStateSouhardaFederalCooperativeLtd.alsohonouredChiefGuest,Dr.ChandraPal

Singh Yadav, Chairman, NCUI and Shri B.S. Vishwanathan, Chairman, RICM, Bengaluru by

presentingshawlsandgarland.

ThewelcomespeechwaspresentedbyShriN.SatyaNarayana,ChiefExecutive,NCUI.He

welcomed all the guests for their active participation and gracing the occasion with their

esteemedpresence.

ThemainobjectiveoforganisingtheConferencewastoreviewthegrowth,achievements,

issuesandproblemsbeforethecooperativemovementintheregionandtochalkoutaneffective

road-mapforthefuture.Theconferenceprovidedanopportunitytotherepresentativesofall

typesofcooperativefederations/unions/cooperativesocietiesworkingintheSouthernstatesto

discuss, reviewand introspect about theachievementsof cooperativesand collectivelyplan

suitablestrategytogivefurtherboosttocooperativedevelopmentintheSouthernStates. Shri

SatyaNarayanapresentedstatusofcooperativemovementinsouthernstatesindetail. Healso

suggestedsomemeasurestobeadoptedwhichcanimprovethecooperativemovementinan

effectivewayinsouthernstates.

Shri B.S. Vishwanathan, Chairman, Managing Committee of RICM, Bengaluru welcoming President, NCUI Shri K. Sivadasan Nair, MLA and G.C. Member, NCUI speaking on the occasion

32

Shri N Satya Narayana, Chief Executive, NCUI giving introductory speech

Shri B.H. Krishna Reddy, President, Karnataka State Souharda Federal Cooperative Ltd. honouring Dr Chandra Pal Singh Yadav, President, NCUI

ShriB.S.Vishwanathan,Chairman,ManagingCommitteeofRICM,Bengaluruandveteran

co-operatorofcountryhashonouredDr.ChandraPalSinghYadav,ChiefGuestbypresenting

shawlandgarland.Director,RICM,BengaluruhonouredDr.BijenderSingh,Vice-President,NCUI,

ShriV.R.Patel,Chairman,NAFED,ShriK.SivadasanNair,MLAandG.C.Member,NCUI,ShriV.P.

Singh,Ex-PresidentandG.C.Member,NCUI,ShriMangalJitRai,Chairman,NationalCooperative

DairyFederation,ShriM.Ganagi,CGM,NABARD,Bengaluru,andShriN.SatyaNarayana,Chief

Executive,NCUIbypresentingshawlandgarland,whoweresittingonthedais.

ShriArunKumar,ManagingDirectorKarnatakaStateCooperativeFederation,Bengaluru

felicitatedallotherguestsanddelegatesbypresentingshawl.ShriB.H.KrishnaReddy,President,

KarnatakaStateSouhardaFederalCooperativeLtd.alsohonouredChiefGuest,Dr.ChandraPal

Singh Yadav, Chairman, NCUI and Shri B.S. Vishwanathan, Chairman, RICM, Bengaluru by

presentingshawlsandgarland.

ThewelcomespeechwaspresentedbyShriN.SatyaNarayana,ChiefExecutive,NCUI.He

welcomed all the guests for their active participation and gracing the occasion with their

esteemedpresence.

ThemainobjectiveoforganisingtheConferencewastoreviewthegrowth,achievements,

issuesandproblemsbeforethecooperativemovementintheregionandtochalkoutaneffective

road-mapforthefuture.Theconferenceprovidedanopportunitytotherepresentativesofall

typesofcooperativefederations/unions/cooperativesocietiesworkingintheSouthernstatesto

discuss, reviewand introspect about theachievementsof cooperativesand collectivelyplan

suitablestrategytogivefurtherboosttocooperativedevelopmentintheSouthernStates. Shri

SatyaNarayanapresentedstatusofcooperativemovementinsouthernstatesindetail. Healso

suggestedsomemeasurestobeadoptedwhichcanimprovethecooperativemovementinan

effectivewayinsouthernstates.

Shri B.S. Vishwanathan, Chairman, Managing Committee of RICM, Bengaluru welcoming President, NCUI Shri K. Sivadasan Nair, MLA and G.C. Member, NCUI speaking on the occasion

ShriM.Ganagi,CGM,NABARDhaspresentedthestatusofcooperativecreditsectorin

detailandalsotheinitiativestakenbygovernmentofKarnataka. Thereare45%groundlevel

bankswhichareweakandtheyneedstrengthening.DCCBs,SLDBshavetheopportunitytoplay

animportantfocustomaketheorganisationstrongeronthreereasons:

1. Staffhastobegood

2. Borrowers

3. Clients

ThereisanurgentneedforaugmentingtheCRARandreductionofNPAs.Marketshareofthe

cooperativestructureinagriculturalloanshasbeendeclining.

Dueimportancemustbegiventocorporategovernanceinordertofacilitatetheorganisation

fordevelopment. Recruitmentisanotherareawherecooperativebanksneedtoensurethat

meritoriouspeoplearetakenintheorganisation.Banksneedtomakeuseoftheconcessional

re�inanceprovidedbyNABARD for term lendingwhichwouldhelp inenhancing thecapital

formationinagriculture.CompetentBoardofDirectorsandadequatelyskilledmanpowerare

essentialelementsforsustainableviabilityoftheCooperativeCreditstructure.

54

Shri M. Ganagi, CGM, NABARD speaking on the occasion

Dr Chandra Pal Singh Yadav, M.P. (Rajya Sabha) & President, NCUI speaking on the occasion

In his presidential address, Chairman, NCUI expressed deep concern about the

cooperatives being neglected by successive governments continuously. He told that

cooperativesplayanimportantroleinstrengtheningtheeconomyofthecountrybutwhenever

central/statebudgetarepresentednotevenasingle line isexpressedaboutthecooperative

movement.Inthebudgetspeechthereshouldbecomprehensivedescriptionofthecooperatives.

Thereshouldbemoreandmorebudgetaryprovisionforcooperativeeducation,trainingand

infrastructuredevelopment.Cooperativesplayanimportantroleinprovidingloans,agricultural

inputtothefarmersatthesubsidisedrates.Atthesametimetheyareanimportantchannelfor

themarketingandstorageoftheirproductssothattheymaygetafairvaluefortheirproduct.

Despitethat,governmentisignoringthechannelofcooperatives.

NCUIistryingitsbesttomakecooperativesprofessionalbyprovidingeducation,training

andotherinputstoitsmemberorganisations.Cooperativewillhavetoreachatthegrassroot

levelbyitssuccessstoriessothatthewrongperceptionandideaswhichareprevailing,maybe

removed.NCUIhasalsomadesincereeffortswitheducationdepartmenttointroduceatleastone

chapteraboutthecooperativesinthesyllabusofplus2/highschoolcourse.Heexpressedsincere

thankstothedelegates,participantsandinparticulartoShriB.S.Vishwanathantohavemade

everyefforttomaketheconferencesuccessful.

Speaking on the occasion Shri Sivadasan Nair has expressed that there is a real

opportunity for the cooperativesas it isnot aprivateorganisation.He cited theexampleof

bankingsectorwherescamsaregoingonbynationalisedbanks,butcooperativebankshaveto

sufferforthesame.Duringthedemonetisation,cooperativeswerenotgiventheopportunityto

exchangethenotesayingthatthereisacorruptioninthemanagement.

ShriM.Ganagi,CGM,NABARDhaspresentedthestatusofcooperativecreditsectorin

detailandalsotheinitiativestakenbygovernmentofKarnataka. Thereare45%groundlevel

bankswhichareweakandtheyneedstrengthening.DCCBs,SLDBshavetheopportunitytoplay

animportantfocustomaketheorganisationstrongeronthreereasons:

1. Staffhastobegood

2. Borrowers

3. Clients

ThereisanurgentneedforaugmentingtheCRARandreductionofNPAs.Marketshareofthe

cooperativestructureinagriculturalloanshasbeendeclining.

Dueimportancemustbegiventocorporategovernanceinordertofacilitatetheorganisation

fordevelopment. Recruitmentisanotherareawherecooperativebanksneedtoensurethat

meritoriouspeoplearetakenintheorganisation.Banksneedtomakeuseoftheconcessional

re�inanceprovidedbyNABARD for term lendingwhichwouldhelp inenhancing thecapital

formationinagriculture.CompetentBoardofDirectorsandadequatelyskilledmanpowerare

essentialelementsforsustainableviabilityoftheCooperativeCreditstructure.

54

Shri M. Ganagi, CGM, NABARD speaking on the occasion

Dr Chandra Pal Singh Yadav, M.P. (Rajya Sabha) & President, NCUI speaking on the occasion

In his presidential address, Chairman, NCUI expressed deep concern about the

cooperatives being neglected by successive governments continuously. He told that

cooperativesplayanimportantroleinstrengtheningtheeconomyofthecountrybutwhenever

central/statebudgetarepresentednotevenasingle line isexpressedaboutthecooperative

movement.Inthebudgetspeechthereshouldbecomprehensivedescriptionofthecooperatives.

Thereshouldbemoreandmorebudgetaryprovisionforcooperativeeducation,trainingand

infrastructuredevelopment.Cooperativesplayanimportantroleinprovidingloans,agricultural

inputtothefarmersatthesubsidisedrates.Atthesametimetheyareanimportantchannelfor

themarketingandstorageoftheirproductssothattheymaygetafairvaluefortheirproduct.

Despitethat,governmentisignoringthechannelofcooperatives.

NCUIistryingitsbesttomakecooperativesprofessionalbyprovidingeducation,training

andotherinputstoitsmemberorganisations.Cooperativewillhavetoreachatthegrassroot

levelbyitssuccessstoriessothatthewrongperceptionandideaswhichareprevailing,maybe

removed.NCUIhasalsomadesincereeffortswitheducationdepartmenttointroduceatleastone

chapteraboutthecooperativesinthesyllabusofplus2/highschoolcourse.Heexpressedsincere

thankstothedelegates,participantsandinparticulartoShriB.S.Vishwanathantohavemade

everyefforttomaketheconferencesuccessful.

Speaking on the occasion Shri Sivadasan Nair has expressed that there is a real

opportunity for the cooperativesas it isnot aprivateorganisation.He cited theexampleof

bankingsectorwherescamsaregoingonbynationalisedbanks,butcooperativebankshaveto

sufferforthesame.Duringthedemonetisation,cooperativeswerenotgiventheopportunityto

exchangethenotesayingthatthereisacorruptioninthemanagement.

76

A view of distinguished gathering on the occasion of Zonal Conference

After the presidential address, papers were presented by Shri Arun Kumar, M.D.,KarnatakaStateCooperativeFederation,Dr.T.Pranjothi,Director,ACSTI,Thiruvananthapuram,Shri K.C. Supekar,M.D., NCDFI, Shri Sharanagowda, G. Patil, CEO, Karnataka State SouhardaFederalCooperativeLtd.,ShriD.M.GandhiNaik,Chairman,TelanganaStateGirijanCooperativeCooperationLtd.Hyderabad.Smt ManzoorKhausia,GeneralManager,TelanganaStateCoop.BankandSmt.LeelaDeviR.Prasad,VeteranCooperatorandEx-MinisterKarnataka,Bengaluru.Dr.K.N.Sinha,Director(GCP),NCUIpresentedvoteofthankstoChiefGuest,Otherdistinguishedguests,paperpresenters,delegatesandRICMfortheirpresenceandcontribution.

Shri Arun Kumar, M.D., Karnataka State Cooperative Federation speaking on the occasion

Dr. T. Pranjothi, Director,

ACSTI, Thiruvananthapuram

speaking on the occasion

Shri K.C. Supekar, M.D.,

NCDFI speaking

on the occasion

Shri Sharanagowda,

G. Patil, CEO, Karnataka

State Souharda Federal

Cooperative Ltd. speaking

on the occasion

76

A view of distinguished gathering on the occasion of Zonal Conference

After the presidential address, papers were presented by Shri Arun Kumar, M.D.,KarnatakaStateCooperativeFederation,Dr.T.Pranjothi,Director,ACSTI,Thiruvananthapuram,Shri K.C. Supekar,M.D., NCDFI, Shri Sharanagowda, G. Patil, CEO, Karnataka State SouhardaFederalCooperativeLtd.,ShriD.M.GandhiNaik,Chairman,TelanganaStateGirijanCooperativeCooperationLtd.Hyderabad.Smt ManzoorKhausia,GeneralManager,TelanganaStateCoop.BankandSmt.LeelaDeviR.Prasad,VeteranCooperatorandEx-MinisterKarnataka,Bengaluru.Dr.K.N.Sinha,Director(GCP),NCUIpresentedvoteofthankstoChiefGuest,Otherdistinguishedguests,paperpresenters,delegatesandRICMfortheirpresenceandcontribution.

Shri Arun Kumar, M.D., Karnataka State Cooperative Federation speaking on the occasion

Dr. T. Pranjothi, Director,

ACSTI, Thiruvananthapuram

speaking on the occasion

Shri K.C. Supekar, M.D.,

NCDFI speaking

on the occasion

Shri Sharanagowda,

G. Patil, CEO, Karnataka

State Souharda Federal

Cooperative Ltd. speaking

on the occasion

98

Smt Manzoor Khausia,

General Manager,

Telangana State Coop.

Bank speaking on the occasion

Dr. K.N. Sinha, Director (GCP),

NCUI presenting

vote of thanks

Smt. Leela Devi R. Prasad,

Veteran Cooperator and

Ex-Minister Karnataka,

Bengaluru speaking

on the occasion

MajorRecommendationsoftheConference

1. The cooperatives should be developed and established as a means of improving theeconomic,socialandculturalaspectsofapersonoflimitedresourcesandopportunitiesandaswellasencouragingentrepreneurshipandself-initiativesinthesouthzone.

2. TheStateGovernmentsshouldformulatestatecooperativepoliciestoencouragegrowthanddevelopment of cooperativeswithout effecting autonomy and independence of thecooperativesinthestateandgiveasigni�icantroletothecooperativesinthedevelopmentofthestateandthesepoliciesshouldbeintegratedinthestategovernmentplans.

3. TheARDBsshouldbepromotedasfull�ledgedbanks. Thevillagelevelcooperativesmayalsobepromotedtodepositmoneyfrommembers/villagersforraising�inancialresources.

4. Thecooperativecreditsectorshouldgivedueimportancetothehumanresourceaspectswhichmayincludeinductionofprofessionalsinthecooperativebanks,trainingthestaffandsuccessionplanetc.sothatthesebanksmayworkonprofessionallines.

5. ThecooperativesarefacingstiffcompetitionfromRRBsandothercommercialbanksintheruralareas.Inthiseraofcompetitiveenvironmenttheyneedtoequipthemselvesthroughinductionoftechnologywhichmayincludecomputerisationofbankingoperationandalsothecomputerisationofrecordssothattheyareabletodelivertheef�icientservicestotheircustomers.

6. TheSHGsareworkingoncooperativepatternandshouldbelinkedwithcooperativebankforlendingactivities.

7. The low costATMsneed to be introduced in the cooperative banking sector forwhich

necessarysupportmaybetakenfromNABARDforinstallationoftheATM.

8. InternalBook-keepingsystemofCooperativeCreditSectorrequireslotofimprovement.This will facilitate plugging a loop-hole through the internal audit department or theinternalinspectiondepartmentsothattheymayimprovetheoverallworking.

9. Startingofafarmercounsellingcentrebythecooperativebanksinthesouthernstatessothatthefarmersmaybegivenprofessionalguidanceandadviceinallthemattersthroughthesecentres.

10. ResolvingtheissuesofhigherlevelofNPAsoncooperativebankingsectori.e.non-managingtheNPAwellintimearenotonlypluggingbutareeatingupofthenetworthofcooperativebankingsector.

11. There isanurgentneedfordiversi�icationof lendingportfolio.Cooperativeruralcreditinstitutionneedstochangetheiroperationfromcredittoawiderangeof�inancialservices.Theearlyimplementationofrevivalpackageoflongtermcreditsectoronthesamelinesas

98

Smt Manzoor Khausia,

General Manager,

Telangana State Coop.

Bank speaking on the occasion

Dr. K.N. Sinha, Director (GCP),

NCUI presenting

vote of thanks

Smt. Leela Devi R. Prasad,

Veteran Cooperator and

Ex-Minister Karnataka,

Bengaluru speaking

on the occasion

MajorRecommendationsoftheConference

1. The cooperatives should be developed and established as a means of improving theeconomic,socialandculturalaspectsofapersonoflimitedresourcesandopportunitiesandaswellasencouragingentrepreneurshipandself-initiativesinthesouthzone.

2. TheStateGovernmentsshouldformulatestatecooperativepoliciestoencouragegrowthanddevelopment of cooperativeswithout effecting autonomy and independence of thecooperativesinthestateandgiveasigni�icantroletothecooperativesinthedevelopmentofthestateandthesepoliciesshouldbeintegratedinthestategovernmentplans.

3. TheARDBsshouldbepromotedasfull�ledgedbanks. Thevillagelevelcooperativesmayalsobepromotedtodepositmoneyfrommembers/villagersforraising�inancialresources.

4. Thecooperativecreditsectorshouldgivedueimportancetothehumanresourceaspectswhichmayincludeinductionofprofessionalsinthecooperativebanks,trainingthestaffandsuccessionplanetc.sothatthesebanksmayworkonprofessionallines.

5. ThecooperativesarefacingstiffcompetitionfromRRBsandothercommercialbanksintheruralareas.Inthiseraofcompetitiveenvironmenttheyneedtoequipthemselvesthroughinductionoftechnologywhichmayincludecomputerisationofbankingoperationandalsothecomputerisationofrecordssothattheyareabletodelivertheef�icientservicestotheircustomers.

6. TheSHGsareworkingoncooperativepatternandshouldbelinkedwithcooperativebankforlendingactivities.

7. The low costATMsneed to be introduced in the cooperative banking sector forwhich

necessarysupportmaybetakenfromNABARDforinstallationoftheATM.

8. InternalBook-keepingsystemofCooperativeCreditSectorrequireslotofimprovement.This will facilitate plugging a loop-hole through the internal audit department or theinternalinspectiondepartmentsothattheymayimprovetheoverallworking.

9. Startingofafarmercounsellingcentrebythecooperativebanksinthesouthernstatessothatthefarmersmaybegivenprofessionalguidanceandadviceinallthemattersthroughthesecentres.

10. ResolvingtheissuesofhigherlevelofNPAsoncooperativebankingsectori.e.non-managingtheNPAwellintimearenotonlypluggingbutareeatingupofthenetworthofcooperativebankingsector.

11. There isanurgentneedfordiversi�icationof lendingportfolio.Cooperativeruralcreditinstitutionneedstochangetheiroperationfromcredittoawiderangeof�inancialservices.Theearlyimplementationofrevivalpackageoflongtermcreditsectoronthesamelinesas

1110

wasimplementedforshorttermcreditsectoristobeintimatedintime.

12. Banksneedtomakeuseoftheconcessionalre�inanceprovidedbyNABARDfortermlendingwhichwouldhelpinenhancingthecapitalformationinagriculture.

13. Thoughpreparationofdevelopmentactionplanandbusinessplansbasedontheexisting�inancial eco system is important for improving the pro�itability, good governance isessentialrequirementforimprovingthehealthofcooperatives.

14. PACSshouldbetransformedinto“OneStopShop”foralltheservices.AllthePACsshouldbefullycomputerized.ThereshouldbepropersystemandprocedureatPACslevel

15. MobileATMservicesshouldbeprovidedbyallthecooperativebanksandthereshouldbeperformancebaserewardsystem.

16. CompetentBoardofDirectorswhocantakedecisionjudiciouslyandskilledmanpowerareessentialelementsforsustainableviabilityofthecooperativecreditsector.

17. Urban Cooperative Banks must adopt the latest technology viz. CORE banking, cloudcomputing,automatedlobbybankingetc.tocompetewithPSBsandprivatebanks.

18. BettercoordinationwithStateGovernment,RBI,NAFCUBsforvariousissuesandchallengesconfrontedbytheUCBsintheregion.

19. TheStateGovernmentsinthesouthzoneandtheirlocalauthoritiesmayconsiderallottinglandtohousingcooperativesonprioritybasisandat reasonablecostandtheremainingstategovernmentsmayalsoauthorisetheirrespectivestatefederationstoacquirelandfordevelopmentandallotmentofthesametohousingcooperatives.Itis,therefore,suggestedthat themajor funding agencies like LIC,HUDCO andNHBmay enhance their share offunding to housing cooperatives. The agencies may also consider reducing the rate ofinterestontheirloanstostatecooperativefederations.

20. TheStateGovernmentsshouldadoptastrongleasingpolicyofthewaterbodiesinfavourof�isheriescooperativesparticularlyintheinlandstates.

21. Createawarenessamongthe�ishersaboutthewelfareschemessanctionedbythecentralgovernmentaswellasthestategovernments.

22. Consolidationandgrowthinmilkandmilkproductmarketing,promotingbetterequityfororiginalcooperativebrandanddevelopingquali�iedandskilledmanpower.

23. Thereshouldbenopolitical/governmentinterferenceintheworkingofcooperatives

24. Of�iciallydesignedgovernmentpolicyshouldbeforfavourofcooperativesbutatthesametimegovernmentshould�illupthe�inancialgapsuchasloanwaiversubsidyetc.

25. Importancetocooperativesbeencouragedandaconduciveenvironmentbeprovidedto

evolveasautonomousentity.

26. Federal cooperatives should alsobe established in all the states and such federal bodyshouldbeendowedwithadequatestatutorypowertofacilitateself-governance.

27. Cooperativesneedtounderstandandfollowthe�inancialnorms

28. Freedomtoestablishtheirownnet-workingforthepurposeofstrengtheningthemselvesintermsofbusinessactivities.

29. StateCooperativeUnionsneedtoconductmoretrainingprogrammesattheprimarylevel.

30. TheStateCooperativeUnionmayproviderightkindoforientationand�ieldexposurefordevelopingtheleadershipinthesouthernstatesthrough�ieldvisitsetc.

31. Fieldstudyforthecooperativesmemberstolearnbetterpracticesandreplicatethesameintheirregionwasrecommended.

32. Thestudy teamwhileconducting thestudyofKarnatakaStateCooperativeFederationsobservedthatthestudymaterialindifferentsubjectsforJCTCshouldbepublishedwiththehelpofsubjectexpertbytheKarnatakaStateCooperativeFederationandthismethodmaybeemulatedbyotherStateCooperativeUnions,if�indfeasible.

33. LikeKeralaandTamilNadu, theotherSouthernstatesshouldmake formalcooperativetrainingcompulsoryforrecruitment/promotionincooperatives.

34. Juniorlevelinstituteofcooperativemanagementneedsrevampingofitspresentstructureand incorporateof computerisationandmodern technologies, case studies as apart ofcooperativeeducationsystem.

35. StateCooperativeUnionsneedto�illupthevacanciespermanentlybyfollowingthedueprocedureandalsoregularizedthecontractfacultyasperthesanctionedstrength.

36. Moreimportanceshouldbegiventoresearchandevaluationincooperativeeducationandtrainingparticularlytotheweakersectorslikeconsumers,labour,�isheries,spinningmillsetc.

37. Workingwomenforummodelasabestpracticeneedtobereplicatedintheotherpartsofthecountrytoencourageentrepreneurship/livelihoodandpovertyelimination,

38. Cooperative Education personnel includingwomen extensionworkers should establishclose coordination with local panchayat and mahila mandal for formulating andimplementingcommunitydevelopmentprogrammes.

39. Creationofwomencellsinthecooperativebusinessfederationsandinthenationallevelcooperativeorganisationstohandlegenderissues.

40. Cooperativesshouldmakeeffortstopromotethenon-organisedwomeninthedifferent

1110

wasimplementedforshorttermcreditsectoristobeintimatedintime.

12. Banksneedtomakeuseoftheconcessionalre�inanceprovidedbyNABARDfortermlendingwhichwouldhelpinenhancingthecapitalformationinagriculture.

13. Thoughpreparationofdevelopmentactionplanandbusinessplansbasedontheexisting�inancial eco system is important for improving the pro�itability, good governance isessentialrequirementforimprovingthehealthofcooperatives.

14. PACSshouldbetransformedinto“OneStopShop”foralltheservices.AllthePACsshouldbefullycomputerized.ThereshouldbepropersystemandprocedureatPACslevel

15. MobileATMservicesshouldbeprovidedbyallthecooperativebanksandthereshouldbeperformancebaserewardsystem.

16. CompetentBoardofDirectorswhocantakedecisionjudiciouslyandskilledmanpowerareessentialelementsforsustainableviabilityofthecooperativecreditsector.

17. Urban Cooperative Banks must adopt the latest technology viz. CORE banking, cloudcomputing,automatedlobbybankingetc.tocompetewithPSBsandprivatebanks.

18. BettercoordinationwithStateGovernment,RBI,NAFCUBsforvariousissuesandchallengesconfrontedbytheUCBsintheregion.

19. TheStateGovernmentsinthesouthzoneandtheirlocalauthoritiesmayconsiderallottinglandtohousingcooperativesonprioritybasisandat reasonablecostandtheremainingstategovernmentsmayalsoauthorisetheirrespectivestatefederationstoacquirelandfordevelopmentandallotmentofthesametohousingcooperatives.Itis,therefore,suggestedthat themajor funding agencies like LIC,HUDCO andNHBmay enhance their share offunding to housing cooperatives. The agencies may also consider reducing the rate ofinterestontheirloanstostatecooperativefederations.

20. TheStateGovernmentsshouldadoptastrongleasingpolicyofthewaterbodiesinfavourof�isheriescooperativesparticularlyintheinlandstates.

21. Createawarenessamongthe�ishersaboutthewelfareschemessanctionedbythecentralgovernmentaswellasthestategovernments.

22. Consolidationandgrowthinmilkandmilkproductmarketing,promotingbetterequityfororiginalcooperativebrandanddevelopingquali�iedandskilledmanpower.

23. Thereshouldbenopolitical/governmentinterferenceintheworkingofcooperatives

24. Of�iciallydesignedgovernmentpolicyshouldbeforfavourofcooperativesbutatthesametimegovernmentshould�illupthe�inancialgapsuchasloanwaiversubsidyetc.

25. Importancetocooperativesbeencouragedandaconduciveenvironmentbeprovidedto

evolveasautonomousentity.

26. Federal cooperatives should alsobe established in all the states and such federal bodyshouldbeendowedwithadequatestatutorypowertofacilitateself-governance.

27. Cooperativesneedtounderstandandfollowthe�inancialnorms

28. Freedomtoestablishtheirownnet-workingforthepurposeofstrengtheningthemselvesintermsofbusinessactivities.

29. StateCooperativeUnionsneedtoconductmoretrainingprogrammesattheprimarylevel.

30. TheStateCooperativeUnionmayproviderightkindoforientationand�ieldexposurefordevelopingtheleadershipinthesouthernstatesthrough�ieldvisitsetc.

31. Fieldstudyforthecooperativesmemberstolearnbetterpracticesandreplicatethesameintheirregionwasrecommended.

32. Thestudy teamwhileconducting thestudyofKarnatakaStateCooperativeFederationsobservedthatthestudymaterialindifferentsubjectsforJCTCshouldbepublishedwiththehelpofsubjectexpertbytheKarnatakaStateCooperativeFederationandthismethodmaybeemulatedbyotherStateCooperativeUnions,if�indfeasible.

33. LikeKeralaandTamilNadu, theotherSouthernstatesshouldmake formalcooperativetrainingcompulsoryforrecruitment/promotionincooperatives.

34. Juniorlevelinstituteofcooperativemanagementneedsrevampingofitspresentstructureand incorporateof computerisationandmodern technologies, case studies as apart ofcooperativeeducationsystem.

35. StateCooperativeUnionsneedto�illupthevacanciespermanentlybyfollowingthedueprocedureandalsoregularizedthecontractfacultyasperthesanctionedstrength.

36. Moreimportanceshouldbegiventoresearchandevaluationincooperativeeducationandtrainingparticularlytotheweakersectorslikeconsumers,labour,�isheries,spinningmillsetc.

37. Workingwomenforummodelasabestpracticeneedtobereplicatedintheotherpartsofthecountrytoencourageentrepreneurship/livelihoodandpovertyelimination,

38. Cooperative Education personnel includingwomen extensionworkers should establishclose coordination with local panchayat and mahila mandal for formulating andimplementingcommunitydevelopmentprogrammes.

39. Creationofwomencellsinthecooperativebusinessfederationsandinthenationallevelcooperativeorganisationstohandlegenderissues.

40. Cooperativesshouldmakeeffortstopromotethenon-organisedwomeninthedifferent

sectorofcooperativesvizlabour,forestry,dairy,�isheriesetc.

41. ThecooperativeinstitutionsinKeralahaveventuredintheeducationcentre,healthcare,kirana shops, medical shops, housing etc. and doing fairly well and this example ofdiversi�icationneedstobereplicatedintheothersouthernstates

42. Useofprofessionallydevelopedaudio/videoclipsneed tobemade inorder toeducatemembersofcooperativesinmoreentertainingwayratherthantraditionalmethods.ItcanbedonethroughsocialmediaordistributingDVDsineducationprogrammes.

43. Useoftechnologyonalargerscalealsomaybeconsidered.NIChavedevelopedWebbasedApplicationsuchase-Of�icetoenableorganisationsmovingfromtraditionaltopaperlessof�ice.SuchsystemcanbeimplementedbyalltheStateCooperativeUnions.ItwillnotonlyreduceexpenditurebutcanalsohelpinmonitoringontrainingandeducationactivitiesofCTCs.

44. DigitalizationoffewbookswhicharerareandoutofprintcanbethoughtofinlibraryofCTCs.Thiswouldbeanimportantresourceforresearchersandotheragencies.

45. Trainerstrainingprogrammeandexposurevisitswithinandoutsidethestateswillenrichthetrainerstoshowcasethefunctionofsuccessfulcooperatives.

46. Theworkingcapitaloftheconsumercooperativesmustbefundedbythegovernmentatreducedratewiththespecializedcreditfacilitiesforundertakinglargescaleintervention.

47. Thecapitalformationatvariouslevelsofconsumercooperativesneedstobeencouragedsothattheycancompeteintheopenmarket.

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sectorofcooperativesvizlabour,forestry,dairy,�isheriesetc.

41. ThecooperativeinstitutionsinKeralahaveventuredintheeducationcentre,healthcare,kirana shops, medical shops, housing etc. and doing fairly well and this example ofdiversi�icationneedstobereplicatedintheothersouthernstates

42. Useofprofessionallydevelopedaudio/videoclipsneed tobemade inorder toeducatemembersofcooperativesinmoreentertainingwayratherthantraditionalmethods.ItcanbedonethroughsocialmediaordistributingDVDsineducationprogrammes.

43. Useoftechnologyonalargerscalealsomaybeconsidered.NIChavedevelopedWebbasedApplicationsuchase-Of�icetoenableorganisationsmovingfromtraditionaltopaperlessof�ice.SuchsystemcanbeimplementedbyalltheStateCooperativeUnions.ItwillnotonlyreduceexpenditurebutcanalsohelpinmonitoringontrainingandeducationactivitiesofCTCs.

44. DigitalizationoffewbookswhicharerareandoutofprintcanbethoughtofinlibraryofCTCs.Thiswouldbeanimportantresourceforresearchersandotheragencies.

45. Trainerstrainingprogrammeandexposurevisitswithinandoutsidethestateswillenrichthetrainerstoshowcasethefunctionofsuccessfulcooperatives.

46. Theworkingcapitaloftheconsumercooperativesmustbefundedbythegovernmentatreducedratewiththespecializedcreditfacilitiesforundertakinglargescaleintervention.

47. Thecapitalformationatvariouslevelsofconsumercooperativesneedstobeencouragedsothattheycancompeteintheopenmarket.

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