PAPER 6(b) : AGRICULTURE AND MICRO FINANCE

Full Marks : 100

Module A: Agriculture Finance
          Need for Agricultural Finance, Institutional and Non-Institutional Sources, Types of              Agrifinance-Crop and Non-Crop, Agro-Based Project Financing - Procedures and Collaterals in Agrifinance  Problems of Agrifinance. Role of Commercial Bank and Specialized Banks in Agrifinance  Recovery of Agricultural Credit  Public Demand Recovery Act.

Module B: Evolution of Micro Credit

          Historical Development of Micro Credit, Micro Credit and Micro Finance, Micro Credit and Poverty Alleviation.

Module C: Policy and Legal Framework
          Regulatory Requirements and Policy Support for the Development of the Micro Finance Activities, Government Policy and Legal Framework Regarding Micro Finance in Bangladesh, Role of Government and Central Bank  Micro Credit Regulatory Authority (MRA) in Bangladesh.

Module D: Micro and Rural Financial Products and Services

          Credit-Requirements of Collateral Security, Collateral Substitutes, Saving-Compulsory Deposit System, Insurance, Payment Services, Social Intermediation, Enterprise Development Services, Cash Flow Analysis.

Module E: Micro Financial Institutions (MFIs)

          Micro Financial Institutions and their Objectives, Target Market and Impact Analysis, Formal, Semi-Formal and Informal Financial Institutions, Institutional Growth and Transformation, Linkages Among Different Types of MFIS and Between Banks and MFIS. Social Services of the MFIS.

Module F: Performance Assessment
          Repayment Rates, Financial Viability, Profitability, Leverage and Capital Adequacy, Borrowers Viability and Poverty Alleviation.

Module G: Role of MFIs in Rural Finance and Poverty Alleviation in Bangladesh

          Role of BKB, RAKUB, Grameen Bank, BRAC, ASA, PRASHIKA, BRDB and PKSF as the Micro/Rural Financial Institutions in poverty alleviation

References: 

1          Annual Reports of BKB, RAKUB, PKSF, Bangladesh Bank Credit Norms etc
2          Ledgerwood, Joanna, Micro Finance Handbook- An Institutional and Financial Perspective, The World Bank Washington D.C
3          Wood, Geoffrey D and Sharif, Ifath A, (Ed.) Who Needs Credit-Poverty and finance in Bangladesh, UPL, Dhaka.