FUND MANAGEMENT IN COOPERATIVE BANKS

Description

This book examines the fund management and operational performance of State Cooperative Banks, with a specific focus on the North Eastern Region of India. It explores the historical evolution, structural organization, and democratic governance of cooperative banking units, highlighting their crucial role in promoting financial inclusion and rural development. The study investigates how cooperative banks mobilize resources, provide credit for farming and rural growth, and navigate the challenges posed by globalization, deregulation, and technological advancements. Main themes include the significance of fund management, resource utilization, interest cost reduction, and profitability performance in a competitive financial landscape. The author discusses the theoretical approaches to measuring bank efficiency and performance, comparing the intermediation and production frameworks. Furthermore, the text addresses inhibiting factors such as idle cash, poor investment strategies, and high-cost deposits that reduce earning capacities, ultimately emphasizing the necessity for a paradigm shift in financial practices to ensure solvency, liquidity, and sustainable growth in the cooperative sector.