Download GTU (Gujarat Technological University) MBA (Master of Business Administration) 2015 Winter 3rd Sem 2830702 Rural Banking And Microfinance Previous Question Paper
Seat No.: ________ Enrolment No.___________
GUJARAT TECHNOLOGICAL UNIVERSITY
MBA ? SEMESTER 3? ? EXAMINATION ? WINTER 2015
Subject Code: 2830702 Date: 05/12/2015
Subject Name: Rural Banking & Microfinance
Time: 10.30 AM TO 01.30 PM Total Marks: 70
Instructions:
1. Attempt all questions.
2. Make suitable assumptions wherever necessary.
3. Figures to the right indicate full marks.
Q.1 (a) Multiple choice questions ( 6)
1. This programme was started by Shri Rabindra Nath Tagore in 1914
A. Sriniketan Project
B. Marthandam Project
C. Gurgaon Experiment
D. Sarvoday Programme
2. Panchayati Raj system was recommend by committee headed by
A. Balwant Rai Mehta
B. Mohansinh Mehta
C. Baldevsinh Mehata
D. Balanatsinh Mehata
3. Panchayati Raj system was implemented in Gujarat in this year
A. 1957
B. 1963
C. 1959
D. 1948
4. What is not true for Block Development Officer
A. Appointed by the Government
B. Working at Taluka or Block level
C. He functions as the leader of the Block
D. Elected person by people
5. IRDP is
A. Intergraded Rural Development Programme
B. Indian Rural Development Programme
C. International Rural Development Programme
D. Innovative Rural Development Programme
6. Jawahar Rozgar Yojana is renamed as
A. Gram Samridhi Yojana
B. Gandhi Gram Samridhi Yojana
C. Swarnim Gram Samridhi Yojana
D. Samridhi Gram Swaraj Yojana
Q.1 (b) Define the following: ( 4)
FirstRanker.com - FirstRanker's Choice
1
Seat No.: ________ Enrolment No.___________
GUJARAT TECHNOLOGICAL UNIVERSITY
MBA ? SEMESTER 3? ? EXAMINATION ? WINTER 2015
Subject Code: 2830702 Date: 05/12/2015
Subject Name: Rural Banking & Microfinance
Time: 10.30 AM TO 01.30 PM Total Marks: 70
Instructions:
1. Attempt all questions.
2. Make suitable assumptions wherever necessary.
3. Figures to the right indicate full marks.
Q.1 (a) Multiple choice questions ( 6)
1. This programme was started by Shri Rabindra Nath Tagore in 1914
A. Sriniketan Project
B. Marthandam Project
C. Gurgaon Experiment
D. Sarvoday Programme
2. Panchayati Raj system was recommend by committee headed by
A. Balwant Rai Mehta
B. Mohansinh Mehta
C. Baldevsinh Mehata
D. Balanatsinh Mehata
3. Panchayati Raj system was implemented in Gujarat in this year
A. 1957
B. 1963
C. 1959
D. 1948
4. What is not true for Block Development Officer
A. Appointed by the Government
B. Working at Taluka or Block level
C. He functions as the leader of the Block
D. Elected person by people
5. IRDP is
A. Intergraded Rural Development Programme
B. Indian Rural Development Programme
C. International Rural Development Programme
D. Innovative Rural Development Programme
6. Jawahar Rozgar Yojana is renamed as
A. Gram Samridhi Yojana
B. Gandhi Gram Samridhi Yojana
C. Swarnim Gram Samridhi Yojana
D. Samridhi Gram Swaraj Yojana
Q.1 (b) Define the following: ( 4)
2
(i) Micro Finance
(ii) SHG?
Q.1 (c). Write Note on MGNREGA ( 4)
Q.2 (a) Discuss the objectives and philosophy of Panchayati Raj. And also enumerate the Three
tiers (levels) of Panchayat Raj and enlist their functions. (7)
(b) What is the mandate of the Ministry of Rural Development and what are the kinds of
programme it deals with? (7)
or
(b) Short note on (7)
(i)Mudra Bank
(ii)KIOSK Banking
Q.3 (a) Discuss various Models of Microfinance. (7)
(b)You want start a NGO. What procedure to be followed in the establishment of NGO in
India (7)
Or
Q.3 (a) Explain the role of RRB and Commercial Banks in rural development. (7)
(b) What is the need and the sources for rural finance. State the functions of
NABARD.(7)
Q.4 (a) Discuss the factors required to frame the regulatory framework for NBFC Microfinance
Institutions ? (7)
(b) What are NABARD?s initiatives with respect to the linkages of SHG?s. (7)
Or
Q.4 (a) Discuss the state of agricultural marketing in India (7)
(b) Discuss the benefits of Self Help Group approach to Microfinance. (7)
Q.5 Read the case and answer the questions: (14)
Microfinance, a flourishing sector in India, was witnessing phenomenal success in terms of
expansion as well as profitability in the latter half of the first decade of the 2000s. The industry
leader in this market, SKS Microfinance, with its mission to serve 50 million Indian households
and a vision to eradicate poverty from the country,came up in July 2010 with the very first
Initial Public Offering (IPO) for its equity shares to raise funds and thus fulfill its ambitions to
grow at a rapid pace. The IPO, the first by any company in the microfinance sector in India, was
a huge success. However, critics opined that for a Microfinance Institution (MFI) to take the
profit driven capital market route to grow quick and big would lead to compromising on the
FirstRanker.com - FirstRanker's Choice
1
Seat No.: ________ Enrolment No.___________
GUJARAT TECHNOLOGICAL UNIVERSITY
MBA ? SEMESTER 3? ? EXAMINATION ? WINTER 2015
Subject Code: 2830702 Date: 05/12/2015
Subject Name: Rural Banking & Microfinance
Time: 10.30 AM TO 01.30 PM Total Marks: 70
Instructions:
1. Attempt all questions.
2. Make suitable assumptions wherever necessary.
3. Figures to the right indicate full marks.
Q.1 (a) Multiple choice questions ( 6)
1. This programme was started by Shri Rabindra Nath Tagore in 1914
A. Sriniketan Project
B. Marthandam Project
C. Gurgaon Experiment
D. Sarvoday Programme
2. Panchayati Raj system was recommend by committee headed by
A. Balwant Rai Mehta
B. Mohansinh Mehta
C. Baldevsinh Mehata
D. Balanatsinh Mehata
3. Panchayati Raj system was implemented in Gujarat in this year
A. 1957
B. 1963
C. 1959
D. 1948
4. What is not true for Block Development Officer
A. Appointed by the Government
B. Working at Taluka or Block level
C. He functions as the leader of the Block
D. Elected person by people
5. IRDP is
A. Intergraded Rural Development Programme
B. Indian Rural Development Programme
C. International Rural Development Programme
D. Innovative Rural Development Programme
6. Jawahar Rozgar Yojana is renamed as
A. Gram Samridhi Yojana
B. Gandhi Gram Samridhi Yojana
C. Swarnim Gram Samridhi Yojana
D. Samridhi Gram Swaraj Yojana
Q.1 (b) Define the following: ( 4)
2
(i) Micro Finance
(ii) SHG?
Q.1 (c). Write Note on MGNREGA ( 4)
Q.2 (a) Discuss the objectives and philosophy of Panchayati Raj. And also enumerate the Three
tiers (levels) of Panchayat Raj and enlist their functions. (7)
(b) What is the mandate of the Ministry of Rural Development and what are the kinds of
programme it deals with? (7)
or
(b) Short note on (7)
(i)Mudra Bank
(ii)KIOSK Banking
Q.3 (a) Discuss various Models of Microfinance. (7)
(b)You want start a NGO. What procedure to be followed in the establishment of NGO in
India (7)
Or
Q.3 (a) Explain the role of RRB and Commercial Banks in rural development. (7)
(b) What is the need and the sources for rural finance. State the functions of
NABARD.(7)
Q.4 (a) Discuss the factors required to frame the regulatory framework for NBFC Microfinance
Institutions ? (7)
(b) What are NABARD?s initiatives with respect to the linkages of SHG?s. (7)
Or
Q.4 (a) Discuss the state of agricultural marketing in India (7)
(b) Discuss the benefits of Self Help Group approach to Microfinance. (7)
Q.5 Read the case and answer the questions: (14)
Microfinance, a flourishing sector in India, was witnessing phenomenal success in terms of
expansion as well as profitability in the latter half of the first decade of the 2000s. The industry
leader in this market, SKS Microfinance, with its mission to serve 50 million Indian households
and a vision to eradicate poverty from the country,came up in July 2010 with the very first
Initial Public Offering (IPO) for its equity shares to raise funds and thus fulfill its ambitions to
grow at a rapid pace. The IPO, the first by any company in the microfinance sector in India, was
a huge success. However, critics opined that for a Microfinance Institution (MFI) to take the
profit driven capital market route to grow quick and big would lead to compromising on the
3
basic principles under which an MFI is expected to provide funds to the poor. SKS?s shares
showed good initial performance. However, this proved to be short-lived and in the following
weeks, they witnessed a sharp decline. Analysts wondered whether the dramatic loss of
investors? faith stemmed from the fact that the SKS CEO had exited the company, or from
attempts to regulate the industry, or from arguments against the idea of an IPO in the
microfinance industry. Investors were clueless, wondering what had gone wrong. Much of the
disaster was associated with some suicides by farmers which allegedly exposed the dark side of
microfinance according to some experts. The industry?s image was to a great extent tarnished
by the fact that some farmers who were associated with MFIs had committed suicide, allegedly
due to the wrongful practices of some microfinance industry players, particularly of their agents.
Reports of rampant disbursement of micro loans and coercive collection of debt by MFI agents
were thought to be major reasons for the debtors? plight, evoking strong reactions against the
MFIs from almost all sections and the government. The industry, which till then, had enjoyed an
enviable reputation, suddenly found a shadow cast over it. The SKS stocks had been touted as
one of the best investment opportunities, enjoying a unique position in the capital market in
which it had no close competitor. It had the best performance track record to bank upon over
the year in a market which was estimated to be one of the biggest in the world for microfinance
Q.1How the Vision and mission of SKS lead to development of rural people through banking
Q.2What factors in your opinion lead to the financial crises at SKS. Give your suggestions.
Or
Q.5 Read the case and answer the questions: (14)
ITC Limited with an annual sale of US$ 2 billion from its diversified businesses is one of
India?s largest corporations with its presence in tobacco, hotels, paper boards, foods fashion
retailing and commodity export. International Business Division (IBD) started in 1990, a
division of ITC is engaged in exports of a range of agricultural commodities.
e-choupal is a Hindi word which means ?village meeting place?. Market is a meeting place
where vendors and customers come together to do transactions. e-choupal is a virtual market
place where farmers can transact directly with a processor and can realize better price for their
produce. e-choupal has the advantages of the market but spans very large varieties of vendors
and customers. Geographical distances do not restrict participation in the e-choupal. Main
attractiveness of e-choupal is that it can be used for connecting large producers/small producers
and small users/large users, thereby eliminating the need for hierarchy of brokers. Internet is
used as a low transaction cost backbone for communication. Physical delivery of produce to the
processor is still done through the existing intermediaries. e-choupal does not attempt total
elimination of intermediaries, as intermediaries are indispensable in economy like India where
intermediaries are adding value to the every step of value chain at a low cost. Intermediaries
have the expertise in storage, transportation, quality assessment and counter party risk
reduction, which are difficult to replicate. e-Choupal provides farmers with all the market
information and this helps them to become market oriented. In e-choupal intermediaries are
leveraged but they are disintermediated from the market information flowing to the farmers.
The e-Choupal model has been specifically designed to tackle the challenges posed by the
unique features of Indian agriculture, characterized by fragmented farms, weak infrastructure
and the involvement of numerous intermediaries, who block critical market information from
passing to the farmers and use that information for getting a big margin for themselves. The
intermediaries capitalized on the economies of information and economies of physical things,
which are tied together in a bundle. Due to this, the farmers does not get the proper price of its
FirstRanker.com - FirstRanker's Choice
1
Seat No.: ________ Enrolment No.___________
GUJARAT TECHNOLOGICAL UNIVERSITY
MBA ? SEMESTER 3? ? EXAMINATION ? WINTER 2015
Subject Code: 2830702 Date: 05/12/2015
Subject Name: Rural Banking & Microfinance
Time: 10.30 AM TO 01.30 PM Total Marks: 70
Instructions:
1. Attempt all questions.
2. Make suitable assumptions wherever necessary.
3. Figures to the right indicate full marks.
Q.1 (a) Multiple choice questions ( 6)
1. This programme was started by Shri Rabindra Nath Tagore in 1914
A. Sriniketan Project
B. Marthandam Project
C. Gurgaon Experiment
D. Sarvoday Programme
2. Panchayati Raj system was recommend by committee headed by
A. Balwant Rai Mehta
B. Mohansinh Mehta
C. Baldevsinh Mehata
D. Balanatsinh Mehata
3. Panchayati Raj system was implemented in Gujarat in this year
A. 1957
B. 1963
C. 1959
D. 1948
4. What is not true for Block Development Officer
A. Appointed by the Government
B. Working at Taluka or Block level
C. He functions as the leader of the Block
D. Elected person by people
5. IRDP is
A. Intergraded Rural Development Programme
B. Indian Rural Development Programme
C. International Rural Development Programme
D. Innovative Rural Development Programme
6. Jawahar Rozgar Yojana is renamed as
A. Gram Samridhi Yojana
B. Gandhi Gram Samridhi Yojana
C. Swarnim Gram Samridhi Yojana
D. Samridhi Gram Swaraj Yojana
Q.1 (b) Define the following: ( 4)
2
(i) Micro Finance
(ii) SHG?
Q.1 (c). Write Note on MGNREGA ( 4)
Q.2 (a) Discuss the objectives and philosophy of Panchayati Raj. And also enumerate the Three
tiers (levels) of Panchayat Raj and enlist their functions. (7)
(b) What is the mandate of the Ministry of Rural Development and what are the kinds of
programme it deals with? (7)
or
(b) Short note on (7)
(i)Mudra Bank
(ii)KIOSK Banking
Q.3 (a) Discuss various Models of Microfinance. (7)
(b)You want start a NGO. What procedure to be followed in the establishment of NGO in
India (7)
Or
Q.3 (a) Explain the role of RRB and Commercial Banks in rural development. (7)
(b) What is the need and the sources for rural finance. State the functions of
NABARD.(7)
Q.4 (a) Discuss the factors required to frame the regulatory framework for NBFC Microfinance
Institutions ? (7)
(b) What are NABARD?s initiatives with respect to the linkages of SHG?s. (7)
Or
Q.4 (a) Discuss the state of agricultural marketing in India (7)
(b) Discuss the benefits of Self Help Group approach to Microfinance. (7)
Q.5 Read the case and answer the questions: (14)
Microfinance, a flourishing sector in India, was witnessing phenomenal success in terms of
expansion as well as profitability in the latter half of the first decade of the 2000s. The industry
leader in this market, SKS Microfinance, with its mission to serve 50 million Indian households
and a vision to eradicate poverty from the country,came up in July 2010 with the very first
Initial Public Offering (IPO) for its equity shares to raise funds and thus fulfill its ambitions to
grow at a rapid pace. The IPO, the first by any company in the microfinance sector in India, was
a huge success. However, critics opined that for a Microfinance Institution (MFI) to take the
profit driven capital market route to grow quick and big would lead to compromising on the
3
basic principles under which an MFI is expected to provide funds to the poor. SKS?s shares
showed good initial performance. However, this proved to be short-lived and in the following
weeks, they witnessed a sharp decline. Analysts wondered whether the dramatic loss of
investors? faith stemmed from the fact that the SKS CEO had exited the company, or from
attempts to regulate the industry, or from arguments against the idea of an IPO in the
microfinance industry. Investors were clueless, wondering what had gone wrong. Much of the
disaster was associated with some suicides by farmers which allegedly exposed the dark side of
microfinance according to some experts. The industry?s image was to a great extent tarnished
by the fact that some farmers who were associated with MFIs had committed suicide, allegedly
due to the wrongful practices of some microfinance industry players, particularly of their agents.
Reports of rampant disbursement of micro loans and coercive collection of debt by MFI agents
were thought to be major reasons for the debtors? plight, evoking strong reactions against the
MFIs from almost all sections and the government. The industry, which till then, had enjoyed an
enviable reputation, suddenly found a shadow cast over it. The SKS stocks had been touted as
one of the best investment opportunities, enjoying a unique position in the capital market in
which it had no close competitor. It had the best performance track record to bank upon over
the year in a market which was estimated to be one of the biggest in the world for microfinance
Q.1How the Vision and mission of SKS lead to development of rural people through banking
Q.2What factors in your opinion lead to the financial crises at SKS. Give your suggestions.
Or
Q.5 Read the case and answer the questions: (14)
ITC Limited with an annual sale of US$ 2 billion from its diversified businesses is one of
India?s largest corporations with its presence in tobacco, hotels, paper boards, foods fashion
retailing and commodity export. International Business Division (IBD) started in 1990, a
division of ITC is engaged in exports of a range of agricultural commodities.
e-choupal is a Hindi word which means ?village meeting place?. Market is a meeting place
where vendors and customers come together to do transactions. e-choupal is a virtual market
place where farmers can transact directly with a processor and can realize better price for their
produce. e-choupal has the advantages of the market but spans very large varieties of vendors
and customers. Geographical distances do not restrict participation in the e-choupal. Main
attractiveness of e-choupal is that it can be used for connecting large producers/small producers
and small users/large users, thereby eliminating the need for hierarchy of brokers. Internet is
used as a low transaction cost backbone for communication. Physical delivery of produce to the
processor is still done through the existing intermediaries. e-choupal does not attempt total
elimination of intermediaries, as intermediaries are indispensable in economy like India where
intermediaries are adding value to the every step of value chain at a low cost. Intermediaries
have the expertise in storage, transportation, quality assessment and counter party risk
reduction, which are difficult to replicate. e-Choupal provides farmers with all the market
information and this helps them to become market oriented. In e-choupal intermediaries are
leveraged but they are disintermediated from the market information flowing to the farmers.
The e-Choupal model has been specifically designed to tackle the challenges posed by the
unique features of Indian agriculture, characterized by fragmented farms, weak infrastructure
and the involvement of numerous intermediaries, who block critical market information from
passing to the farmers and use that information for getting a big margin for themselves. The
intermediaries capitalized on the economies of information and economies of physical things,
which are tied together in a bundle. Due to this, the farmers does not get the proper price of its
4
product & they continue to live below the poverty line. But e-Choupal sets things in order as it
smoothens the flow of information to the farmers by disinter mediating intermediaries from the
chain of information flow and at the same time leverages the physical transmission capabilities
of the them as they deliver critical value at every link for a very low cost in a weak
infrastructure environment.
The project e-Choupal is ITC?s unique click & mortar initiative e-Choupal is an ICT platform
for carrying out trade at a number of locations. In this, ITC sets up a back-up physical service
support at the village level, called Choupal, through Sanchalak: a lead farmer, who acts as the
interface between computer and the farmer. ITC accumulates information regarding weather,
modern farming practices, and market prices from sources like Meteorological Department,
Agri-universities, mandis (regional market) etc., and uploads all information on to e-Choupal
web site. All information is customized according to local farmers requirements and provided
into the local language through computer set up by ITC in Sanchalak?s house. Sanchalak access
this information and facilitates its dissemination to farmers. Information regarding weather and
scientific farming helps farmers to select the right crop and improve the productivity of their
farms. Availability of market information helps farmers to become market oriented. They know
what price ITC is quoting and the price prevalent in the local market, thereby helping better
price realization for farmers. If farmer decides to sell to ITC, Sanchalak works as the aggregator
of small farmers produce to sell them to ITC. Sanchalak also aggregates farmers input purchase
orders for various items like seeds, pesticides and places them directly with the suppliers
through internet and facilitate supply of high quality farm inputs as well as purchase of farm
produce at farmers doorstep with the help of intermediaries
Q1. What best practices can be learned from this initiative
Q.2 Why are intermediaries indispensable even under e- chaupal model
Q.3. How is e-chaupal useful to the farmers?
*************
FirstRanker.com - FirstRanker's Choice
This post was last modified on 19 February 2020