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Full Screen- TITLE
- CERTIFICATE
- DECLARATION
- ACKNOWLEDGEMENT
- CONTENTS
- LIST OF TABLES
- LIST OF FIGURES
- I. INTRODUCTION
- INTRODUCTION
- THE PROBLEM IN BRIEF
- Objective of the study
- Hypothesis
- Variables Studied
- Database and Methodology
- Survey Design
- Pilot Study and Finalisation of Interview Schedules
- Collection and Analysis of Data
- Statistical Tools Used For Analysis
- Resume Of The Work Done
- Reference Period
- Concepts And Definitions Used In The Study
- Limitations Of The Study
- Presentation Of The Study
- II. REVIEW OF LITERATURE
- REVIEW OF LITERATURE
- FOOT NOTES
- III. PRIME MINISTERS ROZGAR YOJANA - AN OVERVIEW
- Urban Area
- Age
- Family Income
- Educational Qualifications
- Area of Residence
- Defaulter
- Implementation Of The Scheme
- State PMRY Committee
- District PMRY Committee
- Eligible Activities
- Nature of Activity
- Group Activity
- Loan Amount
- Individual
- Partnership
- Project Cost
- Margin
- Collateral Security / Guarantee
- Rate of Interest
- Scrutinizing the Applications
- Disbursement of the loan
- Repayment
- Training
- Subsidy
- Monitoring
- Evaluation
- Reservation
- IV. SOCIO BANKING PROFILE OF KERALA
- KERALA AT A GLANCE
- Location
- Formation of the State
- Physical Features
- Population
- Economy
- Employment
- 4.1 Distribution of employed persons in the State in different sectors
- Unemployment
- Literacy
- Commercial Banks In Kerala
- Branch Expansion
- 4.2 Commercial banking progress at a glance
- 4.3 Rural branch growth from June 1969 to March 2003
- District Wise Distribution Of Branch Growth
- 4.4 District wise distribution of commercial bank Branches in Kerala
- Deposit Mobilisation
- 4.5 Deposits mobilised by the commercial banks From 1969 to 2003
- 4.6 Average amount of deposits in the Commercial banks per branch
- 4.7 Rural deposit mobilisation by all commercial Banks
- District Wise Distribution Of Bank Deposits In Kerala
- 4.8 District wise distribution of deposits of all Commercial banks
- Credit Deployment
- 4.9 Credit deployment by all commercial banks
- 4.10 Rural bank lending from 1969 to 2003
- PMRY Advances
- 4.11 District wise distribution of bank credit
- 4.12 Total advances and PMRY advances
- Fig. 4.1 Comparison between total advances and PMRY Advances
- V. PRIME MINISTERS ROZGAR YOJANA - LENDING IN KERALA
- Target Allocation
- 5.1 Allocation of PMRY target in Kerala
- Achievement Of Target
- 5 2 Achievement of targets by banks in Kerala Under PMRY
- Performance Of Banks Under PMRY
- 5.3 Performance of banks in Kerala under PMRY
- Fig. 5.1 Comparison between PMRY advances sanctioned and disbursed
- 5.4 Disbursement of Loan in Kerala under PMRY
- Bank Group wise Performance
- 5.5 Bank group wise target in number of loans
- 5.6 Bank group wise achievement in sanction of PMRY loans
- 5 7 Bank group wise performance in number of Loans disbursed
- PMRY Advances Of Different Bank Groups
- 5 8 Bank group wise advances under PMRY Scheme in Kerala
- Fig. 5.2 Bank group wise advances under PMRY
- District Wise Performance
- 5.9 District wise target of PMRY
- 5 10 District wise achievement in terms of Number of loans sanctioned
- 5.11 District wise achievement in terms of Number of loan disbursed
- 5.12 District wise distribution of PMRY advances
- 5.13 District wise PMRY loan per branch
- PMRY Advance Per Borrower
- 5.14 PMRY - Project cost per borrower over the Years Recovery performance of all commercial
- 5.15 Banks in Kerala under Govt. sponsored Schemes
- VI. IMPLEMENTATION OF PRIME MINISTERS ROZGAR YOJANA - PROCEDURES AND PROBLEMS UTILISATION AND IMPACT OF PRIME
- Socio-Economic Status
- Age and Sex Profile
- Caste Status
- Literacy Level
- Family Income
- Experience
- 6 1 Socio-economic profile of beneficiaries
- Preference For Bank Loan
- 6.2 Preference for bank loan
- Awareness of the Scheme
- 6.3 Awareness of the Scheme
- Interference Of Political Leaders
- 6.4 Involvement of political party
- 6.5 Interference of middlemen
- Approach for PMRY Loan
- 6.6 Borrowers approach for PMRY loan
- Nature of Activities
- 6.7 Nature of activities
- Capital Requirement
- 6.8 Loan details
- Sufficiency Of Loan Amount
- Opinion Of Banks On Amount Of Loan Sanctioned
- 6.9 Opinion of banks on loan sanctioned
- Training Programme
- 6 10 Training programme attended by Beneficiaries
- Opinion Of Recommending Agency On Exemption From Training
- 6.11 Beneficiaries exempted from training
- Disbursement of Loan Without Training
- 6.12 Loan disbursed without training
- Difficulties in getting Loan
- 6.13 Difficulties in getting loan
- Difficulties in Achieving PMRY Target
- 6.14 Difficulty in achieving target
- Delay in Disbursement of Loan
- 6 15 Delay in disbursement of Loan
- Problems In Starting The Unit
- 6.16 Problems in starting the unit
- Problems in Running the Unit
- Fig. 6.1 Problems in running PMRY unit
- 6.17 Problems in running the unit
- VII. UTILIZATION AND IMPACT OF PRIME MINISTERS ROZGAR YOJANA LOAN IN KERALA
- Utilisation of Loan
- 7.1 Opinion of The Beneficiaries about the Scheme
- Fig. 7.1 Utilisation of Loan
- Information about Mis-utilisation
- 7.2 Action on mis-utilisation of loan
- Purchase of Assets
- 7 3 Details of assets purchased
- Reasons for not working at full capacity
- 7.4 Reasons for not working at full capacity
- Sales
- Competition
- 7 5 Nature of sales
- 7 6 Effect of competition
- Employment Generation
- 7 7 Employment generation
- Income Generation
- 7.8 Income position of the beneficiaries
- Repayment of Loan
- 7.9 Repayment of loan
- Default
- 7 10 Reason for default by beneficiaries
- 7 1 1 Activity wise: repayment and default
- Opinion of Banks on Default
- 7 12 Opinion of bank on reasons for default
- Satisfaction level in the Present Activity
- 7.13 Satisfaction level in the present activity
- Previous Employment
- 7.14 Previous employment
- Comparison between Earnings and Default
- 7.15 Earnings of defaulters
- Socio-economic Status of the Defaulters
- 7 16 Socio-economic status of defaulters
- Utilisation and Repayment
- 7 1 7 Relation between utilisation and repayment
- Sufficiency and Repayment
- 7.18 Sufficiency and repayment of loan
- Recovery of PMRY Loans
- 7.19 Steps in recovery of loan
- Problems in Recovery of PMRY Loan
- 7 20 Problems in recovery of PMRY loans
- Non-Performing Assets under PMRY Scheme
- 7.21 Banks opinion on non-performing assets Under PMRY
- Reasons for Failure of PMRY Scheme in Kerala
- 7.22 Reasons for failure of PMRY in Kerala
- Opinion of Beneficiaries about PMRY Scheme
- 7 23 Opinion of the beneficiaries about the Scheme
- Opinions of Banks about the Scheme
- 7.24 Opinion of the bank
- VIII. SUMMARY OF FINDINGS, CONCLUSION AND RECOMMENDATIONS
- The Design and Methodology of the Study
- Summary Of Chapters
- SECTION A - FINDINGS
- SECTION B - CONCLUSIONS
- SECTION C - Recommendation
- Scope for further research
- BIBLIOGRAPHY
- APPENDIX - I Survey on Prime Ministers Rozgar Yojana in Kerala
- APPENDIX - II Survey on Prime Ministers Rozgar Yojana in Kerala