Suchergebnisse

The present study is an attempt to analyze the Non Performing Assets (NPAs) of Manipur Rural Bank (MRB). Adequate credit availability to the rural masses is also one of the main objectives of the Government of India. It will bring the socio-economic development of the country. To obtain this objective, Regional Rural Bank (RRBs) were established (first five RRBs established in 1975) to provide loans and advances to the common people who lived in rural areas. Manipur Rural Bank (MRB) has also been taking its role for the economic development of the rural people since its inception in Manipur (1981). Unfortunately, this bank is now facing the problem of NPAs. Non recovery also affects the profitability of banks. In fact, it is the level of Non-Performing assets which to a great extent, differentiate between a good and a bad bank.

Two-thirds of the world's poorest and vulnerable, mostly women, live in rural areas, engaging in subsistence agriculture. Hence, in Ghana, rural banking was introduced to provide microcredit services to the marginalised neglected by commercial banks. One of such banks is the Sonzele Rural Bank in Jirapa was set up to offer credit services to improve the living condition, yet poverty in Jirapa is still high. This study, therefore, sought to investigate the role of rural banks in poverty reduction drawing evidence from the Sonzele Rural Bank inJirapa. Using a cross-sectional design, the study employed structured interviews to collect data. The cluster sampling technique was used to select thirteen women's groups in Jirapa, and purposive sampling enabled the selection of four project staff. Paired-samples t-test and Kendall's coefficient of concordance were employed in the analysis. The study revealed that credit with education was given to women in groups which enabled them to set up various enterprises and experienced an increase in income and expenditure on education and health thus, reducing poverty in the area. Beneficiaries noted that the issues of high-interest charges, short repayment schedules and absence of insurance policy need attention to make credit a poverty reduction tool.

Centenary RDB is a commercial bank that provides deposit, credit and money transfer services indiscriminately to men and women of lower income. By insisting on loan recovery and cost coverage, it has reached more men and women in rural areas than any other institution in Uganda. With minimum deposits of $6 and minimum loans of $30, access barriers are low. 11 of its 16 branches, 73% of its deposits and 82% of its loans are in rural areas. Established by the Catholic Church of Uganda as a trust fund in 1983, it developed a strength in savings mobilization but performed poorly as a financial intermediary. In 1990, the political will to reform the fund evolved in the board, resulting in the fund's transformation into a commercial bank in 1993. With support from various donors including the German Savings Banks Foundation, the bank evolved into the most successful financial intermediary in Uganda. This has made the bank the African flagship of rural and agricultural banking, combining sustainability with outreach to the rural poor and demonstrating the feasibility of agricultural lending. With equity capital of $6.8m and total assets of $49.85m as of December 2001, it has mobilized $39.9m from 280,00 depositors, provided $14m in loans outstanding to 22,000 small borrowers, earned returns of 4% on average assets and 28% on equity, and, since 1999, finances its expansion from its profits. Centenary RDB has several stories to tell: - one about the feasibility and impact of rural and agricultural bank reform - addressed to the community of agricultural development banks (AgDBs) in Africa and those who decide on their fate; - another one about the compatibility of institutional sustainability and outreach to both men and women in rural areas - addressed to the community of microfinance institutions (MFIs) and their donors; - a third one about the feasibility of agricultural lending to men and women - best told by the staff and clients at Mbale branch and addressed to financial institutions weary of risky agricultural lending.

Centenary RDB is a commercial bank that provides deposit, credit and money transfer services indiscriminately to men and women of lower income. By insisting on loan recovery and cost coverage, it has reached more men and women in rural areas than any other institution in Uganda. With minimum deposits of $6 and minimum loans of $30, access barriers are low. 11 of its 16 branches, 73% of its deposits and 82% of its loans are in rural areas. Established by the Catholic Church of Uganda as a trust fund in 1983, it developed a strength in savings mobilization but performed poorly as a financial intermediary. In 1990, the political will to reform the fund evolved in the board, resulting in the fund's transformation into a commercial bank in 1993. With support from various donors including the German Savings Banks Foundation, the bank evolved into the most successful financial intermediary in Uganda. This has made the bank the African flagship of rural and agricultural banking, combining sustainability with outreach to the rural poor and demonstrating the feasibility of agricultural lending. With equity capital of $6.8m and total assets of $49.85m as of December 2001, it has mobilized $39.9m from 280,00 depositors, provided $14m in loans outstanding to 22,000 small borrowers, earned returns of 4% on average assets and 28% on equity, and, since 1999, finances its expansion from its profits. Centenary RDB has several stories to tell: one about the feasibility and impact of rural and agricultural bank reform - addressed to the community of agricultural development banks (AgDBs) in Africa and those who decide on their fate; another one about the compatibility of institutional sustainability and outreach to both men and women in rural areas - addressed to the community of microfinance institutions (MFIs) and their donors; a third one about the feasibility of agricultural lending to men and women - best told by the staff and clients at Mbale branch and addressed to financial institutions weary of risky agricultural lending.

This study analyses the rural bank credit sector in Sierra Leone by examining the operational and financial performances of the Yoni Rural Bank (YRB), its economic effects on borrowers and the opinions of its clients and management staff, on key operational issues and problems. (DÜI-Hff)