A Study on Performance of the Karnataka State Cooperative Agriculture & Rural Development Bank Ltd., Bangalore in women development cell to promote entrepreneurship

— The Karnataka State Co-operative Agriculture and Rural Development Bank Limited is the apex bank of all the primary co-operative agriculture and rural development banks in the state. All the PCARD Banks in the state are affiliated to it. The KSCARD Bank provides financial accommodation to the PCARD Banks for their lending operations. In order to quick sanction and disbursement of loans and supervision over the PCARD Banks the KSCARD Bank has opened district level branches. Bank has established Women Development Cell to promote entrepreneurship among women in 2005. The Bank is identifying women borrowers in the rural areas by assigning suitable projects to motivate their self-confidence to lead independent life. Progress made in financing women entrepreneurs women.


I. INTRODUCTION
India has witnessed a silent revolution evolving from food deficient and import dependent nation during the early nineteen sixties to a global agricultural powerhouse today.India has emerged as the world's largest producer of milk, pulses, jute and spices, and has the world's largest cattle herd (buffaloes).It is the second largest producer of rice, wheat, cotton, sugarcane, tea, groundnut, fruits, vegetables and goat meat.Although the share of agriculture has been declining in overall gross value added (GVA) of India, it continues to grow in absolute terms and employs almost 49 per -3-62nd Annual Report 2021-22 cent of the total households.The agriculture sector could withstand the COVID-19 shock and registered an above average real growth of 3.6 per cent in 2020-21, even as the overall economy (real GVA) contracted by 6.2 per cent.In view of concerns about successive waves of COVID-19, many countries have started stockpiling food grains acquired at higher prices, whereas India remains comfortable with public stocks of cereals at 2.8 times the buffer norms, a record increase in agricultural export of 17.1 per cent in 2020-21 and large increase in procurement of marketed surplus in 2020-21 and 2021-22.For the new fiscal -Sops/allocations or incentives are expected in agriinfrastructure, exports, retail segment, storage facilities in addition to the credit related services and allocations for enhancing their social security conditions.The policy announcements should now be made, considering the need for demand-driven activities.The main financial sources of the Bank are its Share Capital, Reserves, Deposits and borrowings in the form of refinance from NABARD, State Government and Government of India.The State Government Guarantees the refinance raised from NABARD for payment of principal and interest there on Government guarantee is extended for drawls of cash credit accommodation also for initial lending.During the year 2020-21, the Bank has borrowed Rs. 315.61 Crores under the direct loan system.

Recovery loans
The position of recovery long-term loans under the Cooperative credit system in the state for the years from 2016-17 t0 2018-19 is presented in the following table Table

Women Development Cell:
Bank has established Women Development Cell to promote entrepreneurship among women.The Bank is identifying women borrowers in the rural areas by assigning suitable projects to motivate their selfconfidence to lead independent life.Progress made in financing women entrepreneurs during the last fourteen years is as follows.

Significance of the study
The Karnataka state cooperative agriculture rural development bank ltd, Bangalore play an important role in development of agriculture sector of Karnataka.This study in mainly concentrated to role of KSCARDB in the development of agriculture sector in Karnataka and major past this article related to performance of loans, disbursement and specially women development cell in encourage the women entrepreneurship in Karnataka.

III. OBJECTIVES
The study has done with the following objectives, a.To study the origin of KASCARDB in Karnataka.
b.The study the performance of the KASCARDB of the Karnataka.c.To study performance of Women Development Cell to promote entrepreneurship among women in KASCARD in Bangalore.

IV. LIMITATION OF THE STUDY
The area covered by the study is confined to Karnataka.KASCARD Bangalore, financial performance information is relevant for area alone.

V. METHODOLOGY
The geographical area of the present study is restricted to Bangalore KASCRD in Karnataka state.The study is mainly based in secondary data.Secondary data was collected from, Karnataka State Cooperative Agriculture and Rural Development bank (KACARDB) Bangalore and sources of secondary data are bank journals, annual reports, brochure and their online resources like web sites.
As a backdrop to the analysis of performance of PLD banks, an attempt also made to analyze status and performance of Karnataka Cooperative Agriculture Rural Development Bank.The following Table 4 and followed by analysis is related to Cooperative Agriculture Rural Development Bank and its performance in Karnataka.The overall assessment indicated that,the financial performance of the Karnataka State Co-Operative Agriculture Rural Development Bank is impressive as demand and recovery and percentage of recovery are positively increasing and overdue are decreasing; at the same time, the loss of asset and N.P.A are also increasing is not healthy sign of the bank.The necessary financial measurements could improve the financial status of the Bank.

VI. FINDINGS
It is found from the above analysis that the variables like, overdue has shown negative trend.Demand, recovery, percentage of recovery, loss of asset and N.P.A are shown growth.At the same time, Demand, recovery, percentage of recovery and loss asset are significantly increased.Overall assessment the financial performance of the Karnataka State Co-Operative Agriculture Rural Development Bank is impressive as demand and recovery and percentage Bank has established Women Development Cell to promote entrepreneurship among women.The Bank is identifying women borrowers in the rural areas by assigning suitable projects to motivate their selfconfidence to lead independent life.Progress made in financing women entrepreneurs during the last fourteen

1.1 Co-Operative Long Term Credit Structure -an Overview
Institutional credit was virtually absent till the end of 19thCentury though farmers occasionally were given loans by the government, especially during drought years.The idea of forming Cooperative Societies to give loans to farmers came only in the beginning of 20 th Century.This thinking finally resulted in the enactment of Cooperative Societies Act in 1904.Cooperatives gradually became an important source of agricultural credit throughout the country.Rural credit also received continuous attention of the Govt in the early part of 20th Century.

Karnataka State Cooperative Agriculture and Rural Development Bank Karnataka
State Cooperative Agriculture and Rural Development Bank was established during 1929.Exploitation of farmers by Private money Lenders was a challenge at the beginning of the 20 th century.The Birth of Mysore State Co-operative Land Mortgage Bank Ltd., in 1929 was one of the important steps in eradication of this social evil.Till 1965, this Bank continued to advance long term loans to Agriculturists for debt redemption and Land improvement.With the establishment of Agriculture Refinance and Development Corporation (ARDC) in 1963, the Bank started changing its policies and since 1965 the Bank has been advancing various types of developmental loans to agriculturists of the State.In conformity with the changed policies the name of the Bank was also changed as Co-op Land Development Bank Ltd.With the constitution of National Bank for Agriculture and Rural Development (NABARD) during 1982, by merging Agriculture Credit Department of RBI and entire undertaking of ARDC for extension of credit for Agricultural and Rural Development activities, the Bank has changed its name as Karnataka State Cooperative Agriculture and Rural Development Bank Ltd.There are 178 Taluk Level Primary Co-Operative Agriculture and Rural Development Banks (PCARD Banks) spread over all the 175 taluks in the State of which two PCARDBS are under liquidation.The 25 Branch Offices of the KSCA & RD Bank at District Level are supervising the activities of the PCARD Banks in their jurisdiction.Thus, the Bank is functioning in federal set-up where loaning is made in two tiers.The PCARD Banks are individual autonomous bodies and are members of the KSCARD Bank.The Bank has 5 Associated Members which are the semi State Govt institutions, viz., Karnataka Agro Industries Corporation, Ware Housing Corporation, Karnataka Electricity Board and Command Area Development Authorities of Major Irrigation Projects, Karnataka State Cooperative Marketing Federation Ltd., etc., PCARD Banks are Primary Co-operatives where the individuals are core members and the KSCARDB is a federal cooperative where the PCARD Banks are the core members The KSCARDB and each PCARDB are managed by their Board of management consisting of elected directors, Govt nominees and ex-officio directors.The main activity of the Bank is dispensation of Longterm Credit, (investment credit) for Agricultural and Rural Development under schematic lending approved by NABARD for leveling and bunding, fencing, and construction of cattle shed, farm house etc.The lending programmers cover productive purposes like Minor Irrigation, Horticulture and Plantation crops, Farm Forestry, Waste Land Development, Dairy Development, Piggery, Gobar/Bio-Gas Plants, Sheep rearing, Fish Culture, Prawn culture, poultry, Sericulture, Bullock and Bullock carts, Farm Mechanization, Integrated loans for Agriculture and Non-agriculture purposes and for the Development of lands under major and Medium Irrigation projects.Non-Farm Sector, Rural Housing, Small Rural Transport Operator (SRTO) Schemes and Mobilization of Deposits for advancing jewel pledge loans, salary loans, mortgage loans and vehicle loans are the new areas covered by the Bank.The Bank has facilitated 78 PCARDBS so far to undertake e-stamping business under a tie up with the Stock Holding Corporation of India Ltd.,

The performance of the Karnataka State Co-Operative Agriculture Rural Development Bank
It is found from the above analysis that the variables like, overdue has shown negative trend.Demand, recovery, percentage of recovery, loss of asset and N.P.A are shown growth.At the same time, Demand, recovery, percentage of recovery and loss asset are significantly increased.