Cooperative Banks Research Articles

BANKING SECTOR DEVELOPS RURAL WOMEN THROUGH MICRO FINANCE: AN ANALYSIS

The institutional credit agencies like commercial banks, Regional Rural Banks (RRBS) and Cooperative banks have been playing a pivotal role in the formation, strengthening and development of the Self-Help Groups (SHGs) through micro nance in India. In fact, the banking institutions have become more instrumental in developing micro-enterprises by the women members of Self-Help Groups through providing nancial services. Self-Help Groups linkage programmes is suitable and an effective intervention in economic uplift met and nancial inclusion for the bottom of the pyramid.1 A proven platform initially conceived for increasing the outreach of banking services among the poor has since graduated to a programme for promotion of livelihoods and poverty the banking sector in rural and urban areas.2 An attempt is made her to analyze the different, nancial agencies such as CBs, RRBs and Cooperative banks in providing nancial services to the poor and marginalized sections for the promotion and strengthening of self-help groups in India. Micro-nance is an economic development tool whose objective is to assist the poor to work their way out of poverty. In fact, micro-nance is powerful weapon to remove the poverty in our country. There is a greater involvement of banks in providing the loans to the women members of the Self-Help Groups in the country. The institutional credit agencies have played a crucial role in the development of the poor women members of the SHGs.The Regional Rural Banks have covered more than 45 per cent of the women by way of providing loans and advances whereas the Commercial Banks have given the highest amount of loans to the women members of the SHGs. The Cooperative Banks are in the third position in providing the microcredit to the women members of the SHGs. On the whole, the banking sector has played a dominant role in the provision of the bank loans to the poor women of the SHGs in India.

Analyzing the financial and banking cooperation among Russia and the SCO member states

The article deals with the financial and banking cooperation between Russia and the SCO member states, which is characterized by the availability of a low level and the simultaneous expansion potential, particularly under the contemporary unprecedented sanctions pressure. The author dwells upon the activities of the SCO, including the Interbank Association, comes to the conclusion that practically most of the goals and objectives of financial and economic cooperation within the SCO are mainly declarative without practical implementation. The study is based on such general scientific cognitive methods as induction and deduction, analysis and synthesis, comparison and graphical interpretation of statistical information and time series. The novelty of the article lies in developing the proposals and priority cooperation areas within the SCO and the SCO Interbank Association, as well as the SWOT analysis of the SCO Development Bank, aimed at improving the efficiency of financial and banking cooperation between Russia and the SCO member countries. The author proposes the basic strategy of the SCO Development Bank for strengthening the bank's position as a multilateral development bank, as well as promoting the economic cooperation among the SCO member states. One should take into account the obtained results in creating Russia's bilateral and multilateral cooperation within the SCO.

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.

Leverage, Scale of Operations and Financial Performance of Primary (Urban) Cooperative Banks in India

Leverage, Scale of Operations and Financial Performance of Primary (Urban) Cooperative Banks in India

Employees’ Satisfaction Practice Implication on the Performance of Organization (Cooperative Bank of Oromia)

The main objective of the study was to assess the employees’ satisfaction practice implication on the performance of Cooperative Bank of Oromia. To do so, the methodology employed was descriptive & explanatory research design. Both qualitative & quantitative research approaches were followed. To conduct this study, primary and secondary data were collected. Majority of the data were collected from 300 employees working in 82 branches and the size was determined by formula of Yamane 1967. To proportionally select employees, Cochran 1963 formula was used and then respondents were randomly selected. The tools used were questionnaires, interview, focus group discussion, observation & document review. To collect the data, the tools were pre-tested and then pilot was taken to check for errors and any ambiguity. Questionnaires were prepared in 5-point likert scale. Analyses were done using both descriptive and inferential statistical tools. The descriptive statistics include, mean & standard deviation, while the inferential statistics were chi-square, ordinal logistic regression & Spearman’s Rank Correlation. The results of the research were markedly reported & summarized. Accordingly, the total descriptive statistics of the respondents have been described as feeling alright with the mean values 3.37ð > 67.4%ð > 202 for both predicted & predictor variables. Besides, both the primary and secondary data ratified that the bank’s performance is promising. Moreover, the inferential statistics computed indicated the degree of relationship between the variables. The chi-square value of the explanatory variable was significant at P-value < α = 0.05 & Chi-Square at α =.05, df 4 were > the Table value (9.49). This shows there is association between the variable & performance of the bank. Together with this, ordinal logistic regression was applied. Consequently, computed values verified that there was strong links between the employees’ satisfaction practice & performance of the bank. The correlation between performance of the bank & employees’ satisfaction variable was 0.617, which is labeled as strong. Besides the odds ratio of the explanatory variable was >1, which means a unit increase in the variables cause > 1 entity increase on the performance of the bank. The same result was also indicated by the inferential statistics. Accordingly, employees’ satisfaction practice has strong effect on the performance of Cooperative Bank of Oromia. Thus, it was concluded that proper handling & execution of practices of human resource management (employees’ satisfaction) has eloquent value on the performance of the bank. Lastly, the proposed intervention strategies identified were encouraging the employees by making the work environs attractive, conducting fair and transparent promotion systems, making consistent the reward and payment with the work load, and designing other mechanisms of encouraging workers apart from salaries by introducing other incentives so as to enhance the employees’ satisfaction level, which in turn boosts the bank’s performance. Keywords: Cooperative Bank; Effect; Employees’ satisfaction; Performance; Statistics DOI: 10.7176/JAAS/81-02 Publication date: January 31 st 2023

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

European Co-operative Banks in 2021: A Concise Assessment

European Co-operative Banks in 2021: A Concise Assessment

An Assessment of the Performance and Resilience of Primary Cooperative Banks During the Covid-19 Pandemic

An Assessment of the Performance and Resilience of Primary Cooperative Banks During the Covid-19 Pandemic

What Ails Primary Cooperative Banks: A Multidimensional Analysis

What Ails Primary Cooperative Banks: A Multidimensional Analysis

European Co-operative Banks in 2022: A Concise Assessment

European Co-operative Banks in 2022: A Concise Assessment

Effect of Gross Domestic Product and Interest Rate Changes on the Financial Performance of Banks in Kenyan: A Case of Co. Bank Limited

The study's primary objective was to determine the effect of macroeconomic variables on bank performance. Numerous studies on the effects of macroeconomic factors on the banking business in Kenya and globally have been undertaken, all with differing findings and conclusions. The purpose of this study was to add to existing information by determining the extent to which macroeconomic variables affect bank performance. The study was guided by the following objectives: To what extent has gross domestic product affected the Co. Bank of Kenya Limited’s performance, extend to which interest rate changes affect the Co. Bank of Kenya Limited’s performance. Liquidity preference theory, efficient market theory, and current portfolio theory were adopted in the study. The study used a descriptive research approach to examine the relationship between the independent variables of gross domestic product and interest rates and the dependent variable of bank performance. The study surveyed a total of 120 respondents from the Cooperative Bank of Kenya limited, including branch managers, credit managers, finance officials, accountants, staff, and consumers. The study drew conclusions about the research issue using both primary and secondary data. The study collected main data via questionnaires and secondary data via data collecting forms. Secondary data was derived from the Co-operative Bank of Kenya's annual financial reports from 2016 through the first quarter of 2022, CBK, Kenya Bureau of statistics, World Bank reports etc. The study first looks at the general information of the respondents in the fourth chapter. This information is presented using pie charts, graphs and tables. The chapter further explores the dependent variable and presents response from respondents on the extent to which independent variables affect dependent variables in for, of graphs, tables. The study also explores each independent variable. It starts with GDP and Interest rates respectively. For every independent variable the researcher used five statements to ascertain the effect of each variable on bank performance. The research also utilizes secondary data to compute trend analysis for each independent variable and to formulate multiple regression equation and regression coefficients. The study wraps up with the limitation of the study. The last part of the study entails a summary of the research findings. The summary provides an illustration of each independent variable and its effect on the dependent variable in line with the findings of the study. The study further looks at overall research conclusions, provides recommendation on what needs to be done to minimize the effects of the independent variables on the dependent variable.

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

A STUDY OF FINANCIAL SERVICES WITH SPECIAL REFERENCE TO KUMBHI KASARI CO-OPERATIVE BANK

The banking section will navigate through all the aspects of the Banking System in India. It will discuss upon the matters with the birth of the banking concept in the country to new players adding their names in the industry in coming few years. Banking in India in the modern sense originated in the last decades of the 18th century. The first banks were Bank of Hindustan (1770-1829) and The General Bank of India, established in 1786 and since defunct. The financial system and the economy have inter-relationship and the Indian financial structure has made with the rock foundation in Indian economy. The structure of Indian financial system is classified mainly into four groups that are financial institution, financial market, financial instruments and financial services. The scope of financial services has expanded without boundaries now-a-days since the advent of mammoth of financial products. Almost every now and then, new product is innovated and thereby the services are extended to every nook and corner. Thus the financial services have become part of life of common men and enable the development of society. The Kumbhi Kasari Co-Operative Bank Ltd. Kale.Was established in the year of 1999 by considering good location. Late ShriDatatrey Narke was the man behind formation of this bank and thus is the pioneer of co-operative movement in state. The Kumbhi Kasari Co-Operative Bank has created awareness among the people live in Kale about the importance of co-operative bank and benefits of saving. They created censoriousness about saving money in bank is like to keep money safe as well as secured. The Kumbhi Kasari Co-Operative Bank due to enthusiasm among the people got good responses regarding banking services. The specialty of this society is that there are different facilities reasonable rates of interest, services, interest for adult people and prestigious person under the guidance of experts. This co-operative bank is by the people of the people and for the people. Keywords: Banking In India, Indian Financial Services, Internet Banking, Product and Services, Financial Market, Customers Satisfaction, Co-Operative Banks, RBI Policies, Banking Importance, Role Of Banks.

MACROECONOMIC FACTORS AS TOOLS FOR STIMULATION OR DESTIMULATION OF AGRIBUSINESS LOANS IN CRISIS SITUATION

The study attempts to identify changes in the loan market for agribusiness enterprises, including farms in Poland, during the COVID-19 pandemic. The research used data from the Central Statistical Office and the Credit Information Bureau for 2017-2020. In the course of research, an econometric model was constructed explaining the volume of loans to the above-mentioned entities by commercial and cooperative banks in Poland during the pandemic. The program Statistica 13.3 was used. The analysis covers all loans granted in Poland on a monthly basis in 2017-2021. During this period, banks granted a total of 307 012 loans to individual farmers, and their volume amounted to almost PLN 30 billion. In the course of the research, it was found that in the years 2017-2021, the volume of loans for agribusiness entities, including farms, was decisively influenced by such factors as refinancing loan rate (stimulant), rediscount rate (destimulant), and general economic climate in manufacturing index (stimulant). The set of explanatory variables in the models may be a premise for the introduction of specific improvements in the credit policy of banks servicing agribusiness in the form of tightening or liberalizing credit requirements. The research results can also be used by banks to effectively plan future sales targets and interest income from these loans.

The Impact of Adoption of International Financial Reporting Standard on Quality of Accounting Information in South Sudan: A Case Study of Kenya Commercial Bank and Cooperative Bank

The Impact of Adoption of International Financial Reporting Standard on Quality of Accounting Information in South Sudan: A Case Study of Kenya Commercial Bank and Cooperative Bank

The Beauty of Being Involved: The Case of Cooperative Banks

AbstractIs greater stakeholder engagement associated with greater stability? We provide readers with novel empirical evidence that this is indeed the case. Cooperative banks (where stakeholders are involved in the business by law) are an excellent case to study the association between stakeholder engagement and stability. Focusing on Italy, we show that cooperative banks differ substantially in risk‐taking from each other, and these differences are mostly related to the engagement of stakeholders. A greater overlap between shareholders, borrowers and depositors is associated with lower non‐performing loans, suggesting that greater stakeholder engagement reduces problems of asymmetric information and bank risk appetite.

Productive managers, productive branches, and the rewards. Evidence from the cooperative banks in Sri Lanka

ABSTRACT Using branch-manager linked data from the Cooperative Rural Banks (CRBs) of Sri Lanka, we investigate the source of branch performance differences. Despite the significant variation in the local conditions of branches, we found that managerial talent matters significantly. Manager effects explain 35% of the raw variation in the branch profit per worker and 45% of the raw variation in the branch-level non-performing loan ratio (NPLR). Branch effects explain a larger share of the variations in branch profit per worker (69%), but explain a smaller share of variation for NPLR (41%). We did not find evidence that branch managers are rewarded for their real contributions, measured by the estimated manager effects, via salary increase. Rather, they are rewarded merely for the raw performance of their branches. However, managers are rewarded with improved branch assignments when they increase profit-per-worker. A one standard deviation improvement in manager effects would increase the probability of being assigned to the top quartile branches by 8.7%.

THE QUALITY OF LIQUIDITY RISK MANAGEMENT IN COOPERATIVE BANK UNIREA BRAȘOV

An integrated banking risk management system presupposes the existence and functionality of policies, procedures and tools designed to identify, assess and eliminate/assume the risk to which the banking institution is exposed. There is a set of specific operations and procedures that generate banking risk. In addition, banking companies have to deal with risks that are not specific to them. With the national and international expansion of electronic credit system, financial markets have become much more fragile, the degree of uncertainty has increased, adding to all this the multiplication of risks specific to the financial-banking system due to the pandemic crisis. Therefore, the most common cause of losses and insolvency of credit institutions is due to the difficulty of dealing with events that may occur but have not been foreseen, as is the case with the COVID-19 pandemic. In this paper, we conducted a research targeting banking companies in the current crisis circumstances, analysing the issue of risk management in credit institutions. This approach is the basic pillar of this paper, which, in addition to the traditional aspects of banking management, also considers how the challenges and critical issues during crises become a test of competence for managers in order to overcome less predictable situations. The scientific approach undertaken focuses on the liquidity risk in credit institutions derived from studying the activity of the Cooperative Bank UNIREA Brașov. This paper concludes that, in the context of the global financial crisis and the pandemic due to the SARS-CoV-2 coronavirus, there have been major changes in the operating environment of the credit institutions and indicates a reassessment of the techniques and methods applied in banking management.

A SYSTEMATIC LITERATURE REVIEW AND RESEARCH OBJECTIVE OF TREASURY MANAGEMENT OF URBAN COOPERATIVE BANKS

Purpose: The current study aims in understanding and reviewing of the literature done in the area of cooperative banking sector and with some special reference of Urban cooperative banks. The paper also helps in identifying the gaps in the study conducted till now, and provides the gate way for further study in the area. One such important area is of the investment pattern and cash flow management which is specifically called as treasury management. Methodology or Approach: To conduct the study literature review of papers, articles and other documents related to the cooperative banks and their activities were reviewed. Major research papers conducted in the area of Cooperative banks, fund management of commercial banks and also some of the highlighted activities under the head of banking sector are also studied in this paper. Conduction of literature survey gives an idea to identify the research gap and area available for study further. Special reference given to the Urban cooperative banks which are creating major part of cooperative sector in financial inclusion and money management in rural, urban and semi urban areas of Karnataka. In the study flow, research gap was identified for further study and they were scrutinized using ABCD and SWOC models to understand in academic method. Findings: After in-depth study of literature on UCB and other cooperative banks, it was clear that there is huge scope for study in the area of the banks fund management and treasury management activities which happens as a daily routine work in all the banks. There are better opportunities available for the banks to conduct their investment and sourcing of funds in increasing the mobility of funds to make much profit. But still these cooperative banks are restricted themselves in to specific area of business and this has to be promoted well to develop the UCB’s so that they can compete with the other commercial banks. Originality/value of the study : Here it is not just the study of financial performance of the UCB and other cooperatives, but their investment activities were also included in the study. These type of study are very rare, since many researchers only conducted study on profitability, financial position and growth of cooperative banks only. However in the current study more concentration was given for the treasury management of UCB’s under the heads of cooperative banks. The study will be more effective and useful for the society and even for the organisations in understanding the fund management activity. Paper type : Systematic literature review paper. KEY WORDS: Cooperative, UCB, Fund management, Cash flow, Investment, Performance analysis, Banking, Sources of funds.

Financial Inclusion and Role of Co-operative Bank

Importance of co-operative bank has scored in recent years with the emergence of new banking policy "financial inclusion". A large section of financially excluded people inhabit rural area, financial exclusion is widespread in urban and semi urban area. In India drive for financial inclusion is initiated by reserve bank of India to ensure at least minimum balance no- frills saving bank account to every households. Financial inclusion is a strategy adapted to inclusive growth, inclusive growth is a large subset of inclusive development. Service co-operative banks in India play vital role in financial inclusion. The recent development in banking technology transforms the entire infrastructure of an banking institution. Many of the survey report reveals that the banking facility and service is not accessible by the low income people; this is termed as "financial exclusion". Financial inclusion is generally defined as the availability of banking services at an affordable cost to disadvantaged and low-income groups. The main purpose of this study to analyse the role of co-operative bank in the new banking policy of financial inclusion.