Central Co-operative Bank Research Articles

Aspects of Growth in the District Central Co-Operative Bank in India

The reserves are essential to Co-operative banks since they are involved in so many different aspects of the banking industry. The Credit Co-operative Societies Act, which was subsequently revised in 1912, and the establishment of Co-operative banks with an installation base were both done by the government in 1904. Rather of emphasising rural financing, the main Agriculture Credit Co-operative Society Act concentrates on long-term credit. The article’s objectives are to evaluate the reserve funds and deposits of Indian Co-operative banks and investigate their development factors. Journals, papers, and other publications will be among the sources from which secondary data will be gathered. The data will be interpreted and analysed using statistical methods, and the results will be examined using charts, bar graphs, clustered column graphs, and Pai charts.

Balance Sheet Analysis with the Aim of Improving Financial Reporting: A Case Study of DCCB Raipur, India

This paper presents in the form of a case study the process of analysis of the balance sheet and income statement of the District Central Cooperative Bank (DCCB) Raipur. The research presented in the paper is based on the analysis of the official set of basic financial reports, as well as other publicly available data on the DCCB Raipur. As the time component is very important for research of this type, that reports were observed in the paper during only current and the previous years, ie for the period 2021-22. The aim of the research is to assess the financial result and financial position of a given company by examining the structure and dynamics of total income and the distribution of total income, profitability and opportunities to improve the financial position. The results of the research indicate that the bank's strong financial position and profitability are attributed to its efficient operations and strategic financial management, as evidenced by the substantial growth in net income. The bank has effectively managed its assets and liabilities to achieve strong financial health. This positive trend indicates the bank's ability to generate sustainable profits and maintain its competitive edge in the market.

Evaluation of the Financial Performance of Chikkamagaluru DCC Bank of Karnataka

The establishment of the cooperative banking system in India may be attributed to the enactment of the Cooperative Credit Societies Act in 1904. This legislation aimed to facilitate the provision of production credit to farmers. In 1912, amendments were made to the Act of 1904 to facilitate the establishment of central cooperative banks at the district level. The legislation was designed to give the act a federal character with three tiers in order to promote the growth of cooperative banks. The objectives are The objective is to analyse the Working Capital and Total Advances of DCC Bank in Chikkamagaluru District, as well as assess the Short-Term and Medium-Term Agricultural Loans offered by the same bank in the same district.

An Analysis of Current Scenario and Future Prospects for District Central Cooperative Bank Raipur, Chhattisgarh, India

In India, cooperative banks play a crucial role in providing financial services to rural and urban areas. Members of these banks, who are usually from the same community or profession, own and run these institutions. The present study intends to analyse the critical evaluation of the cooperative credit sector in India as well as in Raipur. The study examines progress well and highlights the emerging role and challenges of the cooperative sector. The district-level bank representatives were personally visited to gather the data. The primary sources of secondary data will be the DCCBs' published annual reports, journals, audit reports, and office documents. Cooperatives are considered to have immense potential to deliver goods and services in areas where both the state and the private sector have failed.

A Study on the Profitability and Financial Performance of District Central Cooperative Banks in Tamil Nadu

Agriculture has a crucial role in the Indian economy. Institutional and non-institutional sources of agricultural loans exist in India. Institutional credit cooperatives play a significant role in the provision of finance to the agricultural sector. The formation of these societies dates back to 1904 when the first Cooperative Credit Societies Act was passed. The objective was to provide cheap credit to the farmers to relieve them from the clutches of money lenders are thought to be the foundations of the overall cooperative structure. Cooperative societies not only mobilize deposits and provide agricultural and rural credit but also extend credit to priority sectors of the country. Banks' profitability and financial operations are always solid as they expand services to subsidiaries. The present analysis is based on secondary data from the years 2012-13 to 2021-22. The growth of different parameters is done by using Compound Average Growth Rate (CAGR) and profitability and financial performance by using ratio analysis and regression analysis of the data. The poor financial condition affects the growth of banks due to their reliability, liquidity, and profitability. The present analysis is based on secondary data from the years 2012-13 to 2021-2022. This paper deals with the profitability and financial performance of District Central Cooperative Banks (DCCBs) in Tamil Nadu.

An Analysis of Current Scenario and Future Prospects for District Central Cooperative Bank Raipur, Chhattisgarh, India

An Analysis of Current Scenario and Future Prospects for District Central Cooperative Bank Raipur, Chhattisgarh, India

Andhra Pradesh State Cooperative Bank: credit beyond convention

Learning outcomes After reading and analysing the case study, the students would be able to understand the various challenges in terms of credit expansion for a rural co-operative bank, discuss the role of an apex co-operative bank within the three-tier credit structure, understand the co-operative banks’ product offerings in the agribusiness space and understand the various styles of leadership and change management models within a rural bank. Case overview/synopsis This case study exemplified the enabling role played by a co-operative credit institution, Andhra Pradesh State Co-Operative Bank (APCOB). It discussed the issues and challenges APCOB faced in mainstreaming an unconventional lending process through its lower tiers. Although the three-tier credit structure played a significant role in the disbursal of short-term loan to farmers, the managing director strongly felt the need to reach out to farmer institutions like farmer producers organization through suitable product offering and right processes. Complexity academic level This case study could serve as an introduction to rural credit co-operatives in MBA courses such as bank management, agricultural finance and rural credit and organizational behaviour. The case study could also be administered as a part of training programmes for state co-operative banks, district central co-operative banks and urban co-operative bank that are involved in planning and execution of development strategies in the area of co-operative banking and agribusiness development. Supplementary materials Teaching notes are available for educators only Subject code CSS: 1: Accounting and Finance.

A Study on the Problems Confronted by the D.C.C. Bs in the Recuperation of Agricultural Loans and Problems Faced by the Borrowers Acquiring Agricultural Loan through D.C.C. Bs in Western Odisha, India

District Central Co-operative Banks (DCCBs) are crucial for lending to the agricultural sector and related industries, serving as a centre of balance for rural finance. The DCCBs had an impact on the growth of farmers in Western Odisha by altering crop patterns, increasing productivity, creating job possibilities, raising incomes, and adopting new technologies. For the present study Five DCCBs in Western Odisha were taken for investigation for the present study. The analysis was based on primary data that were gathered in 2020–21. Loan recoveries were a concern that banks were dealing with. In Western Odisha, DCCBs disbursed loans more than 70% under category I (up to 3 lakhs), and more than 80% under category II (more than 3 lakhs), according to the NAFSCOB report, In the research area, PACS and "Kisan Credit Cards" were the primary methods used to disburse agricultural loans to farmers. Further data analysis revealed that the borrowers' biggest issue, which affected 77.6% of them, was the delay in loan disbursement, followed by the short repayment period, which affected 73.2% of them. The borrowers' least issue, which affected 48.4% of them, related to technical advice from the bank. The main goals of this study were to examine the and variables influencing, and issues faced by DCCBs in Western Odisha.

Financial Performance of Cuddalore District Central Cooperative Bank Limited

This study utilizes both primary and secondary data to assess and analyze the financial performance of the Cuddalore District Central Cooperative Bank Limited. The secondary data was gathered from various sources such as profiles, books, magazines, and websites, while the primary data was collected through the annual report of the bank. The collected data underwent editing, coding, classification, and tabulation, and was further analyzed using various financial tools. Assessing a bank’s performance is crucial in today’s competitive banking landscape, as it enables them to develop their business strategies.Despite the ongoing use of financial ratio analysis by regulators for evaluating bank performance, opposition to this method persists, with opponents introducing new tools that aim to provide a comprehensive assessment of a bank’s overall efficiency. This research paper aims to determine the effectiveness of the CAMEL (Capital adequacy, Asset quality, Management quality, Earnings, and Liquidity) framework in capturing a bank’s overall performance. Additionally, it seeks to identify the relative importance weights of the factors within the CAMEL framework and recommend the most suitable ratios for bank regulators to use in evaluating efficiency.The data for this research is secondary and was collected from the annual reports of the Cuddalore District Central Cooperative Bank over a five-year period (2017-2022). Based on the findings, several suggestions were made to the bank, including providing financial advice to borrowers to enhance their performance and ensuring thorough scrutiny of members’ proposals before loan sanctioning.

A study of state-wise variation in liabilities and assets of district centre Co-Operative Banks in India

District Central Co-operative Bank provides capital to primary agricultural credit societies and accepts the deposits form registered and non registered members of the bank. This bank also control on all credit societies investment, liabilities and assets. It plays a significant role between state co-operative bank and primary societies. This study analysis the stat-wise comparison of liabilities and assets of district centre co-operative banks in India. Gujrat, Andhrapradesh and Tamilnadu are the states where found more fluctuation in the data of liabilities and assets of DCCBs. Thus, it seems that there is difference between banks regarding their capital and number of branches in the district. This variation is calculated by analysis of variance techniques.

Data envelopment analysis in efficiency measuring of District Central Cooperative Banks in India: a case study

Data envelopment analysis in efficiency measuring of District Central Cooperative Banks in India: a case study

Pattern and determinants of non-performing assets (NPA) of Salem district Central Cooperative Bank (SDCCB): A micro level analysis

Pattern and determinants of non-performing assets (NPA) of Salem district Central Cooperative Bank (SDCCB): A micro level analysis

Does the Co-operatives Helps the Rural Development in India?

In India, the co-operative movement has played an important role in meeting the developmental needs of the rural poor. Co-operatives are the organisation that help the individuals harness the power of collective bargaining in order to protect the financial interests of the impoverished and underrepresented in society. In India co-operative credit structure is three-tiered, with State Cooperative Banks (SCB) at the top of the each state, Central Co-operative Banks in the middle or central level, and Primary Agriculture Credit Societies (PACS) at the bottom level. Each of these institutions focuses on the development of their area of operation and performs distinct purpose for the purpose of the upliftment of the members of co-operatives. The present study discuss the role of co-operative societies in the rural development of our country. Keyword : Co-operation, Rural Development, PACSs

A Study on Customers’ Satisfaction with E-Banking Services with Special Reference to the Madurai District Central Cooperative Bank LTD

The banker you want to supplement should rely more on efficient services and coordinate relationships with clients. The only factor that differentiates the service of one bank from the other is “customer satisfaction” related to the services provided by the bank. This is the most important factor that influences the choice of the bank. The success of banks basically depends on customer satisfaction in relation to new technological services provided by banks. The banking industry is driven mainly by customers, and their survival in a competitive environment depends largely on new technological services provided by them. Technology plays a fundamental role in improving the quality of services provided by banking sectors. One of the technologies that really brought information to the revolution in society is internet technology and, for good reason, is considered the third wave of resolution after the agricultural and industrial revolution. The emergence and adoption of the Internet by the banking sector has eliminated the limitation of time, distance and communication, making the world a real village. Internet banking from anywhere, at any time and used for transactions, payments, etc. On the Internet via a bank, cash register or secure company website. Therefore, basically in online banking, the customer has a one-to-one interaction with the bank’s parties, in which case it is important for the bank to provide high quality services on the Internet. Therefore, unlike the traditional banking sector, online banking involves interpersonal interaction between clients and the online banking system.

Present Status of it Security of Madurai District Central Cooperative Bank, Tamil Nadu

Though the Computerization of Cooperative Banks started during the new millennia, it catches up with Madurai District Central Cooperative Bank during 2010 at a leisure pace only. Initially, an application approved by the TNSCB was in use though it was developed locally. DCCBs of Tamil Nadu were using different types of Software in different regions, and it resulted in a nightmare for Bank Integration and further expansion.Hence adopting the prudential norms, RBI’s IT security policy, NABARD circulars on IT security instructions, continuous monitoring the Banking news and events, Interacting with Bankers in seminars and training, and updating security protocols will surely save the Bank from any kind of Internal and External threat to its IT infrastructure.

Role of Cooperative Banks in Economic Developments: An Empirical Study of Balangir District Central Cooperative Bank, Odisha

As we know a lot of factors are important for an economic development, banking sector plays a pivotal role in Economic development of a country by collecting the extra fund in the form of savings from the general people and by disbursing the same as loan to needy. Successful of macro economic development depends upon micro development. In a country like India cooperative banks have significant impact on economy. They are registered under the cooperative society Act, 1992 & regulated by Reserve Bank of India under Banking Regulation Act, 1949. This study is based on the performance of Balangir district central cooperative bank, issues & operational efficiency.

Role of Cooperative Banks in Economic Developments: An Empirical Study of Balangir District Central Cooperative Bank, Odisha

As we know a lot of factors are important for an economic development, banking sector plays a pivotal role in Economic development of a country by collecting the extra fund in the form of savings from the general people and by disbursing the same as loan to needy. Successful of macro economic development depends upon micro development. In a country like India cooperative banks have significant impact on economy. They are registered under the cooperative society Act, 1992 & regulated by Reserve Bank of India under Banking Regulation Act, 1949. This study is based on the performance of Balangir district central cooperative bank, issues & operational efficiency.

An Empirical Analysis of Non-performing Assets: Pune District Central Co-operative Bank Ltd. Pune

An Empirical Analysis of Non-performing Assets: Pune District Central Co-operative Bank Ltd. Pune

EFFICIENCY IN SANCTION AND DISBURSEMENTS OF LOANS: A STUDY OF BIJAPUR DISTRICT CENTRAL CO-OPERATIVE BANK VIJAYAPUR

Every nation has to move towards the constant progression of growth. The Co-Operative Banks as part of the banking system operating in Rural and Urban areas in reduced scales, caters the financial needs of Rural and Urban sector particularly agriculture and allied activities, trade and commerce and consumer finance. This paper aims to study the efficiency in sanction and disbursement made by Bijapur District Central Co-Operative Bank Ltd. Vijayapur, Karnataka during 2013-14 to 2017-18.The overall performance is efficient in sanction and disbursements of advances as the total advances shows increasing trend and the bank is disbursing loans to every talukas, all areas, and each category of loans. The Bank has managed efficiently to allocate the funds to Priority Sector as well as Non-Priority sectors; this helps the Bank to maintain high profitability by adhering the guidelines of RBI in sanction and disbursement of advances. The performance of the Bank can improve further by enhancing the loan facilities, improving the quality, introducing new products, and attracting the unreached customers.

THE DEVELOPMENT OF CREDIT COOPERATION IN DROHOBYCH REGION (1920s ‒ 1930s)

Summary. The purpose of the study is to reveal the activities of credit unions in Drohobych region in the interwar period, to show their role in the economic protection of the Ukrainian population of Galicia in interwar Poland. The research methodology is based on the principles of historicism, systematicity, scientificity, authorial objectivity, as well as the use of general scientific and special-historical methods. The scientific novelty lies in the study of the development of credit cooperation in Drohobych in the 1920‒1930’s. Conclusions. An important place in the cooperative movement of Eastern Galicia in the interwar period belonged to credit cooperatives. In 1938, there were 25 credit cooperatives of Raiffeisen type (rural associations) and Ukrainian banks (Schulze-Delich city cooperatives) in Drohobych region, which were united around Central Bank (Central Cooperative Bank of "Krai Credit Union"). The capital of these institutions consisted of shares of members and contributions of the population. Credit cooperation protected Ukrainians, increased their solvency and economic independence, national consciousness. The main financial institution of the Ukrainian credit cooperative was Central Bank. With well-developed cooperation, Ukrainians could work effectively even under unfavourable conditions and hostility from the Polish occupation regime. The cooperation protected not only the material but also the spiritual needs of Ukrainian citizens, it was a natural manifestation of social and economic self-organization of the people, a source of its cultural self-development. The financial and credit system contributed to the development of cooperation through the organization of affordable credit for the population, the facilitation of mutual relations between national organizations and the strengthening of the legal status of cooperation.