Abstract
Rural credit cooperative system in India is world's largest rural financial systems. During the past over hundred years, these credit cooperatives have witnessed many successes and failures. For a long time, cooperatives have been plagued by numerous problems such as undue government interference, poor governance and management, high overdues and lack of deposits, financial indiscipline and accumulating non- performing assets. In response to that, a nationwide reform and revival exercise was initiated by the Government of India in 2004. This paper examines the important features and strategies of these reforms in short-term rural credit cooperatives in India.
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