Preparation and Implementation of Credit Plans

Gurdev Singh and Asokan S R

IIMA Working Papers from Indian Institute of Management Ahmedabad, Research and Publication Department

Abstract: Under the multi-agency approach to rural credit, lead bank scheme was introduced to plan and implement credit programmes at district level. The idea was to achieve coordination among the financial, developmental and administrative agencies for integrated development of the districts. District Credit Plans (DCPs) was the instrument considered for the purpose. So far three rounds of DCPs have been prepared and implemented by various lead banks in their respective districts. This paper examines various rounds of DCPs in the selected districts. The various issues identified and discussed relate to the generation of data, estimation of credit gap and funds availability, allocation of loan funds, disbursement of loans, monitoring and recovery, etc. The ways and means are suggested to make the DCPs a more effective tool for integrated rural development.

Date: 1987-10-01
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Persistent link: https://EconPapers.repec.org/RePEc:iim:iimawp:wp00789

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