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Banking, Micro Finance and Self-help Groups (SHGs) in India

A Vijayakumar (Editor)
Synopsis Prior to initiation of reforms in 1991, Indian banking industry suffered from lack of competition, low capital base, inefficiency and high intermediation costs. Ever since the bank nationalization of 1969, the banking sector had been dominated by the public sector along with a high degree of financial repression characterized by administered interest rates and allocated credit.

Banking sector reforms of the last two decades have placed greater emphasis on structural measures and improvement in standards of disclosure and levels of transparency in order to align the Indian standards with international best practices. Reforms have brought about considerable improvements as reflected in various parameters relating to capital adequacy, asset quality, profitability and operational efficiency. The key objective of reforms in the banking sector in India has been to enhance the stability and efficiency of banks.

An outstanding feature of banking sector reforms in India has been the emergence of micro credit as the most suitable and practical alternative to the conventional banking in reaching the hitherto unreached poor population. The Self-help Group (SHG) – Bank Linkage Programme was formally lunched in the year 1992 as a flagship programme by National Bank for Agriculture and Rural Development (NABARD) and aptly supported by the Reserve bank of India (RBI) through its policy support.

This book contains 25 research papers focusing on varied aspects of Indian banking, micro finance and SHGs, penned with an in-depth analysis by academics and research scholars and duly edited by a renowned author. The book will be of immense help to all those interested in the study of new innovations in Indian banking in the changing global business scenario.
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About the author

A Vijayakumar

Dr.A. Vijayakumar is a Reader in the Faculty of Commerce, Erode Arts College, Erode. He obtained his B. Com in 1984 from Madras University. He completed his first class post-gradute course in the Department of Commerce, Erode Arts College affiliated to Bharathiar University, Coimbatore in the year 1986. He got his M. Phil. Degree in 1990 and Ph.D. degree in 1997 from Bharathiar University. He has also completed PGDCA from Bharathiar University in 2003. He has been teaching in the Depatment of Commerce, Erode Arts College for over 22 years. He has been guiding a number of research scholars in research programs leading to M.Phil. and Ph.D. degree. He has produced 25 M.Phil. and 3 Ph.D. scholars during his service so far. His field of specialization includes: Financial Management Advanced accounting Cost and Management Accounting and Research Methodology. He has got three books to his credit in the field of commerce and management. He has published more than 80 research papers and articles in leading journals both in India and abroad. Further he has participated in more than 50 National and International conferences and  presented papers. He has completed several research projects funded by UGC and ICSSR. He is currently engaged in postdoctoral research in the area of his interest.

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Bibliographic information

Title Banking, Micro Finance and Self-help Groups (SHGs) in India
Author A Vijayakumar
Format Hardcover
Date published: 27.07.2009
Edition 1st ed.
Language: English
isbn 9788177082098
length xix+333p., Tables; Index; 22cm.