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Case Studies

sectors > Cooperatives
Come Together, Grow Together


Development of PACS as a financial inclusion services provider


Villagers, especially rural women, in Malappuram district, Kerala

The Challenge:

  • Hastening the pace of financial inclusion by introducing multifarious banking services in the region

The Solution:

  • NABARD assisted in setting up the Green Earth Farmers Club
  • Innovative services offered by the PACS were popularised by the Green Earth Farmers Club
  • The PACS implemented ICTbased electronic transactions and introduced micro ATMs and ATM cards

The Impact:

  • Spread in the network of financial inclusion
  • Substantial increase in PACS’ business
  • Banking services at the doorsteps of the poor and aged
  • Volunteers earn incomes ranging from Rs 2,000 to Rs 30,000 per month
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