Kamat, G

BOOKS
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Verma, B.L. (1986). Analysis of Financial Statement. Jaipur: Arihment
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xv

JOURNALS
Amin, G.H., “Development of Agriculture Co-operatives in India.” The
Cooperator, Vol.45, no.5 (2007), p.183.
Ayenew Belay, Suhag, K.S. and Arunkumar, “The Performance of
Primary Agricultural Co-operative Credit Societies in Haryana.”
Indian Cooperative Review, Vol.41, no.4 (2004), pp.248-252.
Bhagavati Prasad, “Co-operative Banking in Competitive Business
Environment.” Cooperative Perspective, Vol.40, no.4 (2006),
pp.1-8.
Chalam, G.V. and Prasad, A., “An Evaluation of Financial Performance of
Co-operative Societies in Andhra Pradesh: A Study of Selected
PACSs in West Godavari District.” Indian Cooperative Review,
Vol.45, no.1 (2007), pp.42-57.
Chaudhary, C.M., “Making PACS Economically Viable.” Kurukshetra,
Vol.40, no.10 (1992), pp.13-17.
Edwin Gnanadhas, M. and Rathika, R., “Kisan Credit Card – A Boon to
Agriculturists.” Tamil Nadu Journal of Cooperation, Vol.6, no.8
(2006), pp.22-23.
Kamat, G.S., “Role of Primary Co-operatives in New Economic
Scenario.” The Maharashtra Co-operative Quarterly, Vol.178,
no.7 (2007), pp.19-21.
Kavitha, N., “Co-operative Movement in India – Future Perspective.”
Cooperative Perspective, Vol.43, no.1 (2008), pp.1-6.
Keshav Kini, K., “Primary Agricultural Co-operative Banks.” Tamil Nadu
Journal of Cooperation, Vol.1, no.1 (2000), pp.43-44.
xvi

xvii
Keshav Kini, K., “Primary Agricultural Credit Societies in Tamil Nadu.”
Tamil Nadu Journal of Cooperation, Vol.1, no.1 (2000), pp.34-42.
Koli, P.A. and Landage, P.B., “Financial Performance of District Central
Co-operative Bank: A Case of Ratnagiri District Central
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(2007), pp.74-79.
Mahesh Kadam, “Role of Secretaries in the Management of PACS.”
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Mariappan, V., “Financial Mismanagement in PACSs: A Case of
Anapanthy Service Co-operative Bank, Kannur District of Kerala.”
Cooperative Perspective, Vol.38, no.1 (2003), p.59.
Mishra, R.K. and Mishra, A.K., “Institutional Finance and Farmers
Indebtedness in Orissa: Evidence from village study.” Indian
Cooperative Review, Vol.44, no.4 (2007), pp.281-285.
Muley, S.S., “Role of Co-operative Banks in Rural Credit.” Cooperative
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Murugarathinam, A. and Aranganathan, T., “Revamping of Co-operatives
– Need of the Hour.” The Maharashtra Co-operative Quarterly,
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Natarajan, P., “PACS in Kerala – In Search of Profitability.” Indian
Cooperative Review, Vol.44, no.3 (2007), p.235.
Oscar Fernandes, “Co-operative Banks: Some Issues.” The Cooperator,
Vol.45, no.4 (2007), p.131.

xviii
Paramasivan, C., “Lending and Repayment Performance of Primary
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no.4 (2008), pp.20-25.
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xix

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REPORTS
Banks in Kerala.” Cooperative Perspective, Vol.41 (Annual Issue)
(2006), pp.65-70.
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(2005-06), Thanjavur Central Co-operative Bank Ltd., Thanjavur.
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(1969), National Credit Council, New Delhi.
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Nadu, Chennai.
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xx

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xxi

Appendix – 1
INTERVIEW SCHEDULE FOR PACB
1. (a) Name of the PACB :
(b) Date of registration :
(c) Area of operation :
2. (a) Who are all admitted as members?
Individuals / Govt. / Others [Tick ( ) the item/items applicable]
(b) What type of members is admitted in your bank?
‘A’ class / ‘B’ class
[Tick ( ) the appropriate item/items]
(c) What are the rights of each class of members?
(d) Do you prescribe any qualification for admitting a member?
e) Membership details
Year
1996-1997
1997-1998
1998-1999
1999-2000
2000-2001
2001-2002
2002-2003
2003-2004
2004-2005
2005-2006
Borrowing
members
Non-borrowing
members
Total

3. Sources of funds
a) Share capital and Reserves
Year
1996-1997
1997-1998
1998-1999
1999-2000
2000-2001
2001-2002
2002-2003
2003-2004
2004-2005
2005-2006
Individual
(Rs.)
b) Deposits and Borrowings
Year
1996-1997
1997-1998
1998-1999
1999-2000
2000-2001
2001-2002
2002-2003
2003-2004
2004-2005
2005-2006
Savings
(Rs.)
Share capital
Deposits
Fixed
(Rs.)
Government
(Rs.)
Recurring
(Rs.)
Reserves
(Rs.)
xxiii
Borrowings
(Rs.)

4. Details of loan issued
Year
1996-1997
1997-1998
1998-1999
1999-2000
2000-2001
2001-2002
2002-2003
2003-2004
2004-2005
2005-2006
Short-term loan
(Rs.)
5. Details of loan outstanding
Year
1996-1997
1997-1998
1998-1999
1999-2000
2000-2001
2001-2002
2002-2003
2003-2004
2004-2005
2005-2006
Short-term loan
(Rs.)
Medium-term
loan
(Rs.)
Medium-term
loan
(Rs.)
Jewel loan
(Rs.)
Jewel loan
(Rs.)
xxiv

6. Details of the recovery of loans
Year
000000000
1996-1997
1997-1998
1998-1999
1999-2000
2000-2001
2001-2002
2002-2003
2003-2004
2004-2005
2005-2006
Short-term loan Medium-term loan Jewel loan
Demanded
(Rs.)
7. Details of overdues
Year
000000000
1996-1997
1997-1998
1998-1999
1999-2000
2000-2001
2001-2002
2002-2003
2003-2004
2004-2005
2005-2006
Collected
(Rs.)
Short-term loan
overdues
Amount
(Rs.)
No. of
defaulters
Demanded
(Rs.)
Collected
(Rs.)
Medium-term loan
overdues
Amount
(Rs.)
No. of
defaulters
Demanded
(Rs.)
Amount
(Rs.)
Jewel loan
overdues
xxv
Collected
(Rs.)
No. of
defaulters

xxvi
8. Particulars of incomes
Items
of
incomes
1996-
1997
(Rs.)
1997-
1998
(Rs.)
1998-
1999
(Rs.)
1999-
2000
(Rs.)
2000-
2001
(Rs.)
2001-
2002
(Rs.)
2002-
2003
(Rs.)
2003-
2004
(Rs.)
2004-
2005
(Rs.)
2005-
2006
(Rs.)
9. Particulars of expenses
Items
of
expenses
1996-
1997
(Rs.)
1997-
1998
(Rs.)
1998-
1999
(Rs.)
1999-
2000
(Rs.)
2000-
2001
(Rs.)
2001-
2002
(Rs.)
2002-
2003
(Rs.)
2003-
2004
(Rs.)
2004-
2005
(Rs.)
2005-
2006
(Rs.)
10. Details of assets
Items
of
assets
1996-
1997
(Rs.)
1997-
1998
(Rs.)
1998-
1999
(Rs.)
1999-
2000
(Rs.)
2000-
2001
(Rs.)
2001-
2002
(Rs.)
2002-
2003
(Rs.)
2003-
2004
(Rs.)
2004-
2005
(Rs.)
2005-
2006
(Rs.)

11. Details of liabilities
Items
of
liabilities
1996-
1997
(Rs.)
12. Profit/loss
Year
1997-
1998
(Rs.)
1998-
1999
(Rs.)
1999-
2000
(Rs.)
2000-
2001
(Rs.)
Profit
(Rs.)
2001-
2002
(Rs.)
2002-
2003
(Rs.)
2003-
2004
(Rs.)
1996-1997 000000000 000000000
1997-1998
1998-1999
1999-2000
2000-2001
2001-2002
2002-2003
2003-2004
2004-2005
2005-2006
Loss
(Rs.)
2004-
2005
(Rs.)
xxvii
2005-
2006
(Rs.)

13. No. of employees
Year No. of employees
1996-1997
1997-1998
1998-1999
1999-2000
2000-2001
2001-2002
2002-2003
2003-2004
2004-2005
2005-2006
14. Do you supervise the end use of loans? Yes / No
15. Do you take any stringent action against defaulters? Yes / No
If Yes, What are they? (a)
(b)
(c)
If No, why? (a)
(b)
(c)
16. Do you provide non-credit services? Yes/No
If yes, what are they?
(a)
(b)
(c)
(d)
(e)
xxviii

Appendix – 2
INTERVIEW SCHEDULE FOR THE RESPONDENTS
1. (a) Name of the Respondent :
(b) Address :
(c) Age :
(d) Sex : Male / Female
(e) Education :
(f) Occupation :
2. Are you a member of PACB? Yes / No
(a) If yes, name the PACB in
which you are a member
(b) How long are you a
member?
3. Have you availed loan from PACB? Yes/No
(a) If yes, When? :
(b) What was the type of loan? :
(c) What was the amount of
loan?
(d) Was the loan adequate to
meet your requirement?
:
:
:
: Yes / No
(e) Did the PACB sanction the loan promptly? Yes/No
4. Did you repay the loan promptly? Yes / No
xxix
If no, what was the reason? : (a)
(b)
(c)
(d)
5. State the type of loan to issue of which the PACB gives priority. �
(a) S.T. Loan
(b) M.T. Loan
(c) Jewel Loan

6. What is your opinion on the credit service rendered by PACB? �
(a) Good
(b) Satisfactory
(c) Unsatisfactory
(d) Poor
7. Do you know about various loan schemes and subsidiary services of
PACB? Yes/No
(a) If yes, state whether it is
fully/partially
(b) If fully, state the schemes :
8. Do you know about Kisan Credit Card? Yes/No
(a) If yes, state whether it is
fully / partially
(b) If fully, do you have kisan
credit card?
:
:
xxx
: Yes/No
9. What is your opinion on the non-credit service rendered by the PACB?
�
(a) Good
(b) Satisfactory
(c) Unsatisfactory
(d) Poor
10. Have you availed agricultural inputs from PACB whenever required?
Yes/No
11. Are you satisfied on the supply of consumer goods by PACB?
Yes/No
12. Does PACB provide marketing facilities for your produce? Yes/No

Appendix – 3
LIST OF THE SAMPLE PACBs
S.No. Name of the PACB Category Taluk
1. Kurivikkarambai PACB Viable Peravurani
2. Mathur PACB Viable Thanjavur
3. Alankottai PACB Potentially viable Mannargudi
4. Alathur PACB Potentially viable Pattukkottai
5. Ponnappur PACB Potentially viable Orathanadu
6. Sethubhavachatram PACB Potentially viable Peravurani
7. Alamelupuram PACB Unviable Tiruvaiyaru
8. Ayyampettai PACB Unviable Needamangalam
9. Chettichatram PACB Unviable Needamangalam
10. Elankadu PACB Unviable Pattukkottai
11. Kandiyur PACB Unviable Tiruvaiyaru
12. Marungai PACB Unviable Thanjavur
13. Pallathur PACB Unviable Peravurani
14. Pamani PACB Unviable Mannargudi
15. Panchanathikottai PACB Unviable Orathanadu
16. Punavasal PACB Unviable Tiruvaiyaru
17. Sethurayankudikadu PACB Unviable Uranipuram
18. Soorakkottai PACB Unviable Thanjavur
19. Thambikkottai PACB Unviable Pattukkottai
20. Thekkur PACB Unviable Uranipuram
21. Thennamanadu PACB Unviable Orathanadu
22. Thittai PACB Unviable Thanjavur
23. Tirumakkottai PACB Unviable Mannargudi
24. Vallam PACB Unviable Thanjavur
25. Vilankulam PACB Unviable Peravurani
xxxi
Source: Comparative statement showing the viability position of the PACBs,
2005-06, Thanjavur Central Co-operative Bank Ltd., Thanjavur.