2026· International journal of research and innovation in social science· Vol 10, pp. 20721-20732· 0 citations
Abstract
From a banker's perspective, the Karimnagar District Cooperative Central Bank (KDCCB) has transitioned from a loss-making entity in 2005 to a "beacon of success" in cooperative banking, serving as a vital instrument for agricultural credit and rural development in Telangana. The bank, which crossed a business mix of Rs 7,000 crore in 2024–25, has fostered rural prosperity through digital adoption, high-volume lending, and strong mentorship of Primary Agricultural Credit Societies (PACS).
District Central Cooperative Banks (DCCBs) in Telangana play a critical role in the state's rural credit system, facilitating agricultural finance and promoting rural development. This article examines the significance of DCCBs, identifies key challenges they face, and provides recommendations for enhancing their effectiveness and sustainability. KDCCB holding a significant impact on agricultural credit and rural development in the integrated Karimnagar district of Telangana. Banker opinion surveys and performance studies highlight the bank's evolution from a purely agriculture-focused institution to a competitive financial player, adapting to modern banking needs while maintaining a high share of rural credit.
Abstract
PACS have emerged as important grassroots institutions for promoting agricultural credit and rural development in Karnataka. They play a significant role in mobilising rural savings, providing institutional credit, supplying agricultural inputs, supporting allied activities, and delivering financi...
G. Lohith· International Scientific Jou...· 0 citations
Financial inclusion has emerged as a key driver of rural development in India, with the Lead Bank Scheme playing a crucial
institutional role in expanding banking services to underserved regions. This study examines the contribution of the Lead Bank
in promoting financial inclusion and rural development in Bhagalpur di...
P. Kumari· International Journal of Aca...· 0 citations
Agricultural credit plays an important role in facilitating the adoption of mechanized technologies and improving the productivity of paddy farming in Bangladesh. This study examined the socioeconomic characteristics of Boro rice farmers, assessed credit sources and farm profitability, estimated the impact of agricultu...
M. Mukta, Shanta Islam Esheta, Mohammad Ataur Rahman et al.· Archives of Agriculture and...· 0 citations
This study examines the impact of bank credit on agricultural output in Nigeria from 1992-2023,
with a particular emphasis on the contributions of both commercial and microfinance bank credit
to the agricultural sector growth. The agricultural sector has exhibited weak performance in
Nigeria over time, contributing...
A. Ahmad· IIARD INTERNATIONAL JOURNAL...· 0 citations
Background: Primary Agricultural Cooperative Credit Societies (PACCS) represent the foundational tier of India's rural credit delivery architecture. In Tamil Nadu, nearly 4,290 such societies serve more than 12 million farm households, yet persistent concerns about non-performing assets, governance deficits, and techno...
A. Vanathammal, M. Jaya, S. Priya· International Journal of Soc...· 0 citations
This paper examines the contributions of cooperative societies and microfinance institutions
(MFIs) to rural agricultural development in Nigeria, focusing on credit access, productivity
enhancement, and poverty reduction among smallholder farmers. Through analysis of recent
literature and empirical studies, the rese...
Ahmed Lawi Lawal· International Journal of Eco...· 0 citations
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