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Title: PERFORMANCE OF KARNATAKA VIKAS GRAMEEN BANK IN KARNATAKA: EMERGING ISSUES AND EVIDENCES
Authors: Ravikumar Pattanashetti
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Ravikumar Pattanashetti Research Scholar, Department of Economics, Karnatak University, Dharwad.
MLA 8 Pattanashetti, Ravikumar. "PERFORMANCE OF KARNATAKA VIKAS GRAMEEN BANK IN KARNATAKA: EMERGING ISSUES AND EVIDENCES." nt. j. of Social Science and Economic Research, vol. 4, no. 4, Apr. 2019, pp. 2832-2847, ijsser.org/more2019.php?id=208. Accessed Apr. 2019. APA Pattanashetti, R. (2019, April). PERFORMANCE OF KARNATAKA VIKAS GRAMEEN BANK IN KARNATAKA: EMERGING ISSUES AND EVIDENCES. nt. j. of Social Science and Economic Research, 4(4), 2832-2847. Retrieved from http://ijsser.org/more2019.php?id=208 Chicago Pattanashetti, Ravikumar. "PERFORMANCE OF KARNATAKA VIKAS GRAMEEN BANK IN KARNATAKA: EMERGING ISSUES AND EVIDENCES." nt. j. of Social Science and Economic Research 4, no. 4 (April 2019), 2832-2847. Accessed April, 2019. http://ijsser.org/more2019.php?id=208.
References [1]. Annual Reports of Karnataka Vikas Grameen Bank, Various Issues, from 2005-06 to 2017-18,Bangalorte. [2]. Baligatti Y.G. and S.Danappanavar ( (2016): Performance Evaluation of Karnataka Vikas Grameena Bank towards Priority Sector Lending in Karnataka, IRA-International Journal of Management & Social Sciences,4(2),pp.303-316. [3]. Bandyopadhyay (2015): Rural Banking, Macmillan Publisher, India. [4]. Gadhavi.B.K. and S.B.Vekariya (2014): Financial Performance of RRBs in Saurashtra Region of Gujarat, Journal of Rural Development, 33 (1). [5]. Ghiara B.M(1977):Agricultural Financing by Commercial Banks- A look ahead, Prajnan ,6(3), pp. 261-305. [6]. Jagdish Prasad and Sunil Kumar (1985): Role of Regional Rural Banks, Kurukshetra ,33 (14). [7]. Khankhoje D. and M. Sathye (2008):Efficiency of Rural Banks: The Case of India,International Business Research-CCSE, 1(2). [8]. Kumar Sunil (1990): Grameen Banks and Rural Development, Deep and Deep Publications, New Delhi. [9]. Sumathi .N.C, (2015): Institutional Finance for Agricultural Finance in Karnataka, Global Journal for Research Analysis, 4(3).
Abstract: The Karnataka Vikas Grameena Bank is the one of the most leading Regional Rural Bank in Karnataka. It has emerged after the amalgamation of the four erstwhile Grameena Banks with its area of operation spread over nine districts now caters to 1/3rd of the geographical area of the state and thereby has earned the opportunity of serving a larger section of the rural population. The Bank is actively involved in overall development of rural areas since the very beginning. The upliftment of weaker sections and the down trodden has been the major agenda of the bank. Besides this the Bank has been a front runner in catering to the needs of the Farmers, Traders, Rural Artisans, Professional and self-employed, Contractors and all sections of the society. In this paper an attempt has been made to evaluate the performance of the Karnataka Vikas Grameena Bank towards loan disbursement in Karnataka, through the parameters like growth of number of branches, sector wise loan disbursement, purpose wise loan disbursement and beneficiary wise loan disbursement. The present study is mainly based on secondary data collected from the various annual reports and official records of the KVG Bank. The simple statistical tools like percentage, growth rate and mean were employed for analysis of data. The main findings reveals that the average number of KVG bank branches was 498.77 over the thirteen years of study period. Sector wise loan disbursement indicates that the proportion of loan disbursement was found to be quite significant in priority sector as compared to that of in nonpriority sector during the period from 2005-06 to 2017-18. The proportion total deposits and advances of KVG bank tends to increase as increasing years from 2005-06 to 2017-18. The purpose wise loan disbursement shows that the proportion of loan disbursement was found to be quite significant in agriculture sector, followed by others purpose, tertiary sector and small scale industries over the study period. Finally the beneficiary wise loan disbursement reveals that the KVG bank has been provided highest loan to small farmers, marginal farmers, agricultural laborers and women beneficiaries as compared to that of minority, SC/ST ,SGSY and Other Govt. Spon. Scheme beneficiaries during 2005-06 to 2017-18. Based on the findings the study suggested that the KVG bank has to provide more financial assistance to agricultural allied activities and tertiary Sector, which are playing a very important role in creating employment opportunities and generating additional income to the rural households.

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