2DWEEPA

PUTTAKKANA HAIVE
MALLANNA TELUGU
OKE OKKADU
Marginal utility is an economic concept that determines how much of an item a
consumer will buy. Positive marginal utility happens when the consumption of the
additional item increases. On the other hand, negative marginal utility occurs when
the consumption of additional item decreases.
Marginal utility slopes downward due to two assumptions:
1) Marginal utility satisfies Innada conditions [mathematical component].
2) Marginal utility is diminishing [economics component]. This means as a person
consumes more of a good, their change in utility > 0 but is decreasing. As
consumption -> infinity, utility is 0.

To,
Dr. Harish Sharma
In Charge (RFD Div)
Indian Council of Social Science Research
(Ministry of Human Resource Development)
J NU Institutional Area, Aruna Asaf Ali Marg
Tel # 011-26716687, 26716659
New Delhi 110067
E-mail: rfdicssr2014@gmail.com
Website: www.icssr.org

ca.sadabellary@gmail.com
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Ho: There is no significant difference between mean income prior to NFS activity
and mean income after undertaking NFS activity.
To assess the pattern of Credit disbursement policies in promotion of
agriculture in study area
To analyse impact of rural credit in promotion of Women empowerment in
study area
To evaluate the initiatives of RRBs in financial inclusion in study area
To analyse the contribution of RRBs in development of Non-Farm Sector
in study area
To identify the benefits availed and problems faced by the beneficiaries in
rural credit.
To offer suggestion in the light of findings of the study

To study the different types of credit disbursement policies made by RRbs

To study the different types of NFS advances made by PCARDBs in

Erode District.
2. To study the extent of contribution of NFS advances for the economic
development
3. To examine the features and progress of NFS activities in the district
4. To survey the impact of advances upon the beneficiaries in terms of
employment creation and income generation.
5. To study the sectoral coverage of NFS advances in Erode district.
6. To suggest measures for effectively using NFS advances as an engine of
economic growth.

 To study the growth and performance of Regional Rural Banks in study

area
To assess the pattern of Credit disbursement policies in promotion of
agriculture in study area
To analyse pattern of rural assistance in promotion of Women
empowerment in study area
To evaluate the initiatives of RRBs in financial inclusion in study area
To study the sectoral coverage of NFS advances in Erode district.
To analyse the impact of rural credit upon the beneficiaries in terms of
Employment creation and income generation.
To offer suggestion in the light of findings of the study

Anil Kumar Soni

Study on Regional Rural

. The study is based on secondary data

and Abhay

Banks in Chhattisgarh

collected form annual reports of the banks.

Kapre(2012)

State with Special

An analytical research design (Key

Reference to Durg

Performance Indicators Analysis) is

Rajnandgaon Gramin Bank

followed in the present study. Empirical

results show positive and sufficient
growth of Durg Rajnandgaon Gramin

Dr.D.Maheshwara

Evaluating performance of

Bank Rajnandgaon.
The present study adopts analytical and

Reddy(2011)

Regional Rural Banks:

descriptive research design. The data of

an application of CAMEL

the sample banks for a period of 2006-

model

2010 have been collected from the annual

reports published by the banks. A sample

Arithmetic mean, t-test

of two RRBs, Andhra pragathi grameena

using SPSS 19.

bank (APGB) and Sapthagiri grameena

bank (SGGB) selected for the purpose of

Dr. Bharat m.

the study.
The Role of Rural Banks in An attempt is made here in this paper to

Kher(2013)

the Development of rural

examine the rural credit structure of the

Socio-economy

country and role played by the RRBs. The

study is confined only to the specific area
like loan and advance made by the RRBs
especially priority and non-priority sector
for the seven years period starting from
2002-03 to the year 2008-09.

Kiran Bala1
and Reena

Analysis of Loan
Disbursement to Agricultural
Sector by Regional Rural
Bank in Sirsa District of
Haryana, India

The analysis revealed t

Regional Rural Banks h
quite successful in disb
agricultural loan in dist
The percentage of disb
has fluctuated during t
under reference. In yea
percentage of agricultu
disbursement is very h

This paper attempts to analyze the performance of Durg Rajnandgaon Gramin

Bank (DRGB) Rajnandgaon during the period 2009-2010 to 2010-2011. The study
is based on secondary data collected form annual reports of the banks. An
analytical research design (Key Performance Indicators Analysis) is followed in

the present study. Empirical results show positive and sufficient growth of Durg
Rajnandgaon Gramin Bank Rajnandgaon. Key Words:- Regional Rural Bank, Durg
Rajnandgaon Gramin Bank, Agriculture, Rural Development, Key Performance
Indicators. Introduction:- Chhattisgarh is agricultural based state and its maximum
population stays in rural area. The RRB has plays an important role in agricultural
financing. Regional Rural Banks were established under the provisions of an
Ordinance promulgated on the 26th September 1975 and the RRB Act, 1976 with
an objective to ensure sufficient institutional credit for agriculture and other rural
sectors. The RRBs mobilize financial resources from rural / semi-urban areas and
grant loans and advances mostly to small and marginal farmers, agricultural
labourers and rural artisans. The area of operation of RRBs is limited such as
number of banks and branches, capital composition, deposits, loans, loans and the
trend of investments The study is diagnostic and exploratory in nature and makes
use of secondary data. The study finds and concludes that performance of Durg
Rajnandgaon Gramin Rajnandgaon has significantly improved. Empirical results
show positive and sufficient growth of Durg Rajnandgaon Gramin Bank
Rajnandgaon.

The study finds and concludes that performance of Durg Rajnandgaon Gramin
Bank Rajnandgaon has significantly improved

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