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THEME-8: Area Development Schemes and Assessing the Potential for ST
LoansOtherThanCropLoaninCoops&RRBs (HeadOffice);Howto improve
Ground Level Credit Particularly Term Loan in Jharkhand (Jharkhand).
Summary No-42
Profile of the Student:
Name: Yogesh Venkatrao Mahajan
Degree Programme : PGDM Rural Management (Emerging Economies)
University/Institute : Prin. L.N.Welingkar Institute of Management Development and
Research
Profile of the Mentor:
Namer: Y N Reddy
Designation : GM
Department : DOR
Name of Office : Head Office, Mumbai
Objectives of the Study:
• To Study area development schemes in brief which is implemented in various districts ofMaharashtra
• To check how these schemes are helping farmers for generating more income
• To Suggest the schemes which will benefit the local community and ultimately which will increase
their income without disturbing their livelihood
• To trace out the difficulties occurring to bank as well as farmers in end to end process of loan
sanctioning and Repayment process
• To find the scope to NABARD for refinance in the short term sector (other than crop loan) for
cooperative as well as regional rural banks
Sample State/ Dist/ Block/ Villages: Maharashtra /Districts-Kolhapur, Washim &
Chandrapur
Sample Size: 100 household. From each district sample beneficiaries selected randomly from the blocks
visited. From each village beneficiaries were interviewed along with self-help group to understand the
local culture of village.
Research Methodology:
The study was conducted on the basis of primary and secondary data collected during the course of field
visits. The data was collected through a predesigned questionnaire method for each type of scheme.
The three districts were selected because these districts covers mostly all regions of Maharashtra i.e.
Vidharbha, Marathwada and Western Region. As Marathwada and Vidharbha regions are considered
