AKTU Credit Co-Operatives (BMBCM03) Syllabus PDF – MBA 3rd Semester
Credit Co-Operatives BMBCM03
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Syllabus — Credit Co-Operatives
Download PDFBMBCM03 · 3 credits · L-T-P 3-0-0
Course Objectives
- To understand the origin and development of Co-operative credit.
- To gain knowledge about various commissions and committees on Co-operative Credit.
- To know about Co-operative credit structure (ST, MT and LT)
- To discuss the role, importance and challenges of credit Co-operatives in India
UNIT I (9 Hrs)
Agricultural Co-operative Credit: Classification of Cooperatives; Agriculture and Non Agriculture Cooperatives; Cooperative Credit; Cooperative Banking Structure: S.T, M.T & L.T; Principles of Good Credit System; Advantages of Co- operative Credit; Constitution and Functioning of PACS;
Crop Loans; Re- organization of PACS; S.T. Loan Policy and Procedures; Linking of Credit with Marketing; M.T. Credit - Purpose and Security; NFS Lending; and Micro Credit.
UNIT II (9 Hrs)
Co-operative Development: Meaning; Economic Planning and Cooperatives; Co-operatives in Five Year Plans; Recommendations of various Cooperative Committees: Mehta Committee; Mirdha Committee; AIRCSC; AIRCRC; CRAFICARD; ACRC; and Task Force on ST and LT Co-operative Credit Structure (Vaidyanathan Committee), and Narasimham Committee (Prudential Norms).
UNIT III (8 Hrs)
DCCB & SCB: Significance of DCCBs and SCBs in ST Cooperative Credit; Constitution and Working; Mobilization of Deposits; Lending Operations; Over Dues and NPA; Apex Banks;
Constitution and Working; Functioning of National Federation of State Cooperative Banks, Latest developments in Cooperative Banking.
UNIT IV (8 Hrs)
L.T. Credit: Need for a Separate Agency to provide L.T. Credit; Constitution and Working of Primary and State Co-operative Agricultural and Rural Development Bank; Debentures- Types;
Procedures; Problems and Sinking Fund; National Federation; Single Window Co-operative Credit Delivery System; and Multi Agency Approach.
UNIT V (6 Hrs)
Non-Agricultural Credit Co-operatives: Constitution and Functions of Co-operative Urban Banks;
Employees Co-operative Thrift and Credit Societies; Co-operative Housing Societies; Industrial Co-operative Banks; NABARD and RBI.
Course Outcomes
After successful completion of this course students will be able to,
| S.No | Course Outcomes | Bloom’s Technology |
| 1 | CO1. Identify co-operative credit methods and structure of credit. | Remembering (K1) |
| 2 | CO2.Describe the co-operative development and Recommendation of various committees. | Knowledge (K2) |
| 3 | CO3. To gain knowledge about functions of CCB and state co-operative bank. | Knowledge (K2) |
| 4 | CO4. To know the significance of long term structure. | Remembering (K1) |
| 5 | CO5. Describe the constitutions and functions of non- Agricultural credit co-operatives. | Comprehending (K3) |
Suggested Readings
- Dr. B.S. Mathur. Co-operation in India - Sahitya Bhawan, 2015.
- R.D.Bedi, Theory. History and Principles of Co-operation, R. Lall Book Depot, Meerut, 2000.
- B.L Mathur, Rural Development and Co-operation, RBSA Publishers. 2006.
- C.R.Reddy, Rural Banking in India. Rainbow Publications, 1987.
- Nakkiran and John Winfred. A. Co-operative Banking In India, Rainbow Publications, 1988. IV SEMESTER
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