2017
MICRO CREDIT INSTITUTIONS
(Finance Major)
Full Marks: 80
Time: 3 hours
The figures in the
margin indicate full marks for the questions
1.
Select the most appropriate answer from the multiple choices given against
each: 1x10=10
a) Which
of the following is not a feature of micro-finance?
1)
Borrowers are from the low income group.
2)
Loans are of small amount.
3)
Loans are given to women clients only.
4)
Loans are offered without collateral security.
b) For
the purpose of extending rural banking and agro-finance, the NABARD –
1)
Directly lends and monitors the rural borrowers.
2)
Refinances the banks extending rural finance.
3)
Refinances the rural borrowers obtaining credit
from bank.
4)
Directly finances the rural borrowers and get
finance from government.
c) NEDFI
was established in the year –
1) 1993.
2) 1995.
3) 1997.
4) 1999.
d) The
first micro finance institution getting in-principle licence to undertake pure
banking activities in India –
1)
SKS micro-finance.
2)
SEWA Bank.
3)
Bandhan.
4)
Joint Liability Group (JLG)
e) How
many days of guaranteed employment is given in a financial year under MGNREGA?
1)
200 days.
2)
180 days.
3)
150 days.
4)
100 days.
f) Examine
the correctness of the statements by selecting answer from the codes given.
A. SHG,
Bank-linkage programme in India was initiated by NABARD.
B. SHG,
Bank-linkage programme in India was initiated by State Bank of India.
Codes:
1) Statement
A is correct
2) State
B is correct.
3) Both
the statements A and B are correct.
4) Both
the statements A and B are incorrect.
g) Which
of the following does not contribute to the success of micro-credits?
1)
Dynamic incentives.
2)
Peer monitoring.
3)
Regular repayment schedules.
4)
Collaterals.
h) Who
is the major stakeholder in regional rural bank?
1) Government
of India.
2) Sponsor
bank.
3) Cooperative
Bank.
4) State
Government.
i)
Which of the following is a problem of rural
credit?
1) Insufficient
volume of credit.
2) Inadequate
institutional coverage.
3) Growing
over dues.
4) All
of the above.
j)
Which of the following is not true with regard
to Kisan Credit Card?
1) It
meets the credit requirement of the farmers.
2) Kisan
card is issued by commercial bank.
3) Kisan
card credit scheme is for long term credit requirement.
4) Kisan
Card is issued by regional rural banks.
2.
Answer the following questions in about 30 words each: 2x5=10
a) State
two basic features of a micro-finance product.
b) Mention
two basic functions of NEDFI.
c) State
two distinguish features of RRB from commercial banks.
d) Name
four organisations working in the field of rural development.
e) Mention
two objectives of RGBN.
3.
Answer any four of the following in about 150 words each: 5x4=20
a) Write
a short note on micro-finance institution and SHG Bank-linkage programmes.
b) Distinguish
between micro-finance and micro-credit.
c) Write
a short note on Assam Gramin Vikash Bank’s role in rural development.
d) Justify
the need of financial inclusion in India.
e) State
the salient features of PMRY.
f) State
the need for regulating MF’s in India.
4.
Answer the following in about 600 words each: 10x4=40
(a)
Explain the features and principles of micro-finance. Also discuss the role of
micro-finance in rural development.
Or
Elucidate the role of SHG in delivery of
micro-finance. 10
(b) Discuss
the role of RBI in formulating rural credit policy. 10
Or
Explain the credit dispensation mechanism
of micro-finance institutions. 10
(c)
Highlight the role of NABARD in dispensing rural credit. 10
Or
Discuss the reforms that have been taken
place in respect of RRB’s in Assam. 10
(d)
Make a critical assessment in respect of execution of MGNREGA programme. 10
Or
Explain the various rural development approaches prepared
by the Government of India with special reference to people’s participation in
government programmes.
***
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