Impact of Retail Lending on Profitability of DCCBs of Punjab (Record no. 53238)
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| 000 -LEADER | |
|---|---|
| fixed length control field | 02214nam a2200193 4500 |
| 003 - CONTROL NUMBER IDENTIFIER | |
| control field | OSt |
| 005 - DATE AND TIME OF LATEST TRANSACTION | |
| control field | 20191216154649.0 |
| 008 - FIXED-LENGTH DATA ELEMENTS--GENERAL INFORMATION | |
| fixed length control field | 191216b ||||| |||| 00| 0 eng d |
| 100 ## - MAIN ENTRY--PERSONAL NAME | |
| Personal name | Gautam, Vandana |
| 9 (RLIN) | 35422 |
| 245 ## - TITLE STATEMENT | |
| Title | Impact of Retail Lending on Profitability of DCCBs of Punjab |
| 300 ## - PHYSICAL DESCRIPTION | |
| Extent | 49-61 p. |
| 520 ## - SUMMARY, ETC. | |
| Summary, etc | The cooperative banks were mainly established in India with a view to providing economic support to farmers by making available to them hassle-free loans. However, as a consequence of financial sector reforms, these banks faced a firm competition from several quarters on the account of gushing technical expertise, prudential guidelines, custom-built central banking systems, and a deregulated and market focused banking system. Consequently, cooperative banking organizations gradually advanced and prepared themselves to efficaciously meet recent challenges by reconceiving their operational strategies. One such change which came in a big way was the diversification of their loan portfolios-the movement from agricultural intensive loaning to retail loaning. Although profit was considered a forbidden word for cooperative banks, yet in view of the above changes, it became imperative to measure the change in the profitability performance of the cooperative banks. This paper made an attempt to study the outcome of retail loaning on the functioning of District Central Cooperative Banks (DCCBs) of Punjab by using secondary data. The paper examined the profitability of selected DCCBs in Punjab by determining the differential yield rate which is the difference in weighted average rate of return on total loans and weighted average rate of return on retail loans and further also determined the differential earnings resulting due to retail lending. The study also pin pointed major lacunas in cooperative banking relating to retail lending policies and otherwise and gave suggestions for their improvement.<br/> |
| 653 ## - INDEX TERM--UNCONTROLLED | |
| Uncontrolled term | Cooperative Banking |
| Uncontrolled term | Diversification |
| Uncontrolled term | Retail Loans and Differential Earnings. |
| Uncontrolled term | Reconceiving Strategies |
| 773 0# - HOST ITEM ENTRY | |
| Host Biblionumber | 29384 |
| Host Itemnumber | 77321 |
| Main entry heading | GILANI,S. |
| Other item identifier | 55511132 |
| Title | INDIAN JOURNAL OF FINANCE |
| International Standard Serial Number | 0973-8711 |
| 942 ## - ADDED ENTRY ELEMENTS (KOHA) | |
| Source of classification or shelving scheme | Dewey Decimal Classification |
| Koha item type | Journal Article |
| Withdrawn status | Lost status | Source of classification or shelving scheme | Damaged status | Not for loan | Home library | Current library | Date acquired | Total Checkouts | Full call number | Barcode | Date last seen | Price effective from |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dewey Decimal Classification | Main Library | Main Library | 16/12/2019 | Vol 13, Issue 10/ 55511132JA4 | 55511132JA4 | 16/12/2019 | 16/12/2019 |