Agriculture Finance & Co-operation is a comprehensive text book tailored for B.Sc. (Hons.). Agriculture students, offering a deep dive into f inancial systems & co-operative frameworks vital for agricultural development. The book emphasizes the role of credit, capital, and investment in fostering agricultural growth and examines diverse financial sources, including both institutional and non-institutional avenues. It highlights the contributions of banks, microfinance institutions and government initiatives in addressing the financial needs of farmers. The book combines theoretical foundations with practical applications, featuring real-world examples, case studies, and exercises on topics like farm budgeting, credit appraisal, risk management and co-operative marketing. It also addresses modern challenges. Serving as a resource for students, educators, and professionals, it bridges the gap between academic knowledge and practical solutions. By promoting f inancial literacy and co-operative strategies, it equips readers with the tools to drive innovation, resilience and sustainable growth in agriculture and rural livelihoods.
Dr. Ashutosh Kumar Singh was born at Guwahati (Assam) on 14th July 1980. He obtained his school education from Campus Public School, Pusa (Bihar). He acquired his B.Com. (Hons.) degree with first class from Tilka Manjhi Bhagalpur University, Bhagalpur (Bihar) in the year 2002 and M.B.A.(Finance) from Barkatullah University, Bhopal (M.P.) in 2005. He was awarded Ph.D. degree in Financial Management from the Pacific University, Udaipur (Raj.) during the year 2021. At present Dr. Singh has been working to the post of Associate Professor (Agri-Business Management) at AKS University, Satna, (M.P.). He has also served MJRP University, Jaipur (Raj.), and SAGE University, Indore (M.P.) to the post of Assistant Professor at Department of Management. Dr. Singh has been teaching Graduate & Post-Graduate classes in Agri Business Management with great zeal and enthusiasm. He has been adjudged ideal teacher as well as a serious researcher by the students and faculty members. Dr. Singh has published over a dozen research papers in International and National journals of repute and two books to his credit so far. Dr Singh is an active member of different societies and associations in the field of management too.
1 Agricultural Finance ............................................................................1
2 Credit: Meaning Definition, Features and Classification ...............9
3 Agricultural Credit: Requirement and Classification ..................11
4 Credit Analysis: 4R’s and 3C’s ........................................................17
5 Sources of Agricultural Finance in India .......................................23
6 Commercial Banks and Its Nationalisation ...................................29
7 Microfinancing and Kisan Credit Card ..........................................35
8 Lead Bank Scheme ............................................................................41
9 Regional Rural Bank ..........................................................................45
10 Scale of Finance and Unit Cost .........................................................49
11 Higher Financing Institutions .........................................................53
12 National Bank for Agriculture and Rural Development (NABARD) ..........................................................................................61
13 Asian Development Bank .................................................................67
14 World Bank .........................................................................................71
15 International Monetary Fund ...........................................................77
16 Deposit Insurance and Credit Guarantee Corporation (DICGC) ...............................................................................................81
17 Cost of Credit ......................................................................................85
18 Balance Sheet ......................................................................................89
19 SWOT Analysis - Definition, Advantages and Limitations .......103
20 Agricultural Co-operation in India ................................................107
21 International Co-operative Alliance (ICA) ...................................135
22 National Co-operative Union of India (NCUI) ............................139
23 National Co-operative Development Corporation (NCDC) .....141
24 National Agricultural Co-operative Marketing Federation of India (NAFED) .............................................................................145
25 Pradhan Mantri Fasal Bima Yojana (PMFBY) ..............................149
Questions on Agriculture Finance & Co-operation .....................157
Appendix A .......................................................................................181
Appendix B........................................................................................197
Appendix C .......................................................................................203
Appendix D .......................................................................................205
Appendix E .......................................................................................207
