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  • Authors: Desai, Bhupat M

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  1. A Note on Agricultural Finance

    Authors: Desai, Bhupat M;

    Reference No: CMA0345TEC Pages: 15 Published on: 7, July, 1975

    Abstract: This note first discusses agricultural finance in brief. It then presents 1) some concepts which are essential to appreciate the financial environment in rural India, 2) role of the financial market, 3) credit appraisal principles availability of data to apply them in India. ... More

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  2. A Note on Scanning the Financial Environment

    Authors: Vyas, V S; Desai, Bhupat M;

    Reference No: CMA0385TEC Pages: 5 Published on: 17, September, 1975

    Abstract: This note outlines three main facets of the policies of the central monetary authority so as to obtain a macro-view of the financial environment for the agricultural sector. The three facets are: 1) the economic factors which are usually taken into account while formulating credit policies; 2) credit policies per se; (3) mechanism ... More

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  3. Area Approach in Agricultural Financing

    Authors: Desai, Bhupat M;

    Reference No: CMA0403TEC Pages: 5 Published on: 27, August, 1976

    Abstract: This note first describes the rationale for the area approach in agricultural financing. It then goes on to describe the norms for area selection, forms of executing area approach, and the interpretations of this approach. Finally, on the basis of recent interpretations, two problems are posed for discussion. One relates ... More

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  4. Organizing New Credit Agencies: Objectives and Task

    Authors: Desai, Bhupat M;

    Reference No: CMA0404TEC Pages: 3 Published on: 27, August, 1976

    Abstract: In this note information is given with regard to the number, organizational structure, and functions of new credit agencies which are being organized for rural areas. ... More

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  5. Major Irrigation Projects in India: A Review of Their Appraisal Methodology and Administration Structure

    Authors: Desai, Bhupat M; Bandyopadhyay, S C;

    Reference No: CMA0418TEC Pages: 18 Published on: 17, December, 1976

    Abstract: This note briefly describes the appraisal methodology followed by the government in undertaking major irrigation projects in India. It then describes some of the circumstances which led the government to sponsor studies on this aspect of investment decision-making. It also discusses the main results of the sponsored studies before discussing ... More

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  6. Financing an Agricultural Input Dealer by XYZ Commercial Bank

    Authors: Desai, Bhupat M; Bandyopadhyay, S C;

    Reference No: CMA0432 Pages: 21 Published on: 13, April, 1977

    Abstract: The case deals with the problems of financing an agricultural input dealer. The main problem that the bank encountered was the sudden non-utilization of the credit limit that was sanctioned to the concerned dealer. With a view to finding out solution to this problem the case provides information relating to ( ... More

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  7. Agricultural Refinance and Development Corporation: Its Objectives, Structures, Pollicies, and Performance

    Authors: Desai, Bhupat M;

    Reference No: CMA0437TEC Pages: 13 Published on: 7, July, 1977

    Abstract: This note covers the objectives, structure, policies, and performance of the Agricultural Refinance and Development Corporation. After briefly discussing the objectives of this Corporation, the issue of sources and uses of funds of the corporation is dealt with. The note also discusses the criteria and procedures for refinancing, in addition ... More

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  8. Formal and Informal Credit Sources in Tribal Areas: A Case of Dharampur Taluka (A)

    Authors: Desai, Bhupat M;

    Reference No: CMA0461(A) Pages: 11 Published on: 15, February, 1978

    Abstract: Part A raises the following issues: 1) What factors would a rural borrower consider in his decision to substitute formal lenders for informal ones in an area like Dharampur? and 2) What should be the objectives and broad content of the credit policies of the formal lenders who are required to substitute ... More

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  9. Irrigation and Fertilizer Resources and Public Policy

    Authors: Desai, Bhupat M;

    Reference No: CMA0471TEC Pages: 8 Published on: 1, February, 1979

    Abstract: That irrigation and fertilizers contribute significantly to the growth of agricultural output is a common fact. Similarly, investment in irrigation, flood control and drainage is a matter of social overhead capital and hence the role of public policy is also well recognized. What needs, however, to be appreciated is the ... More

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  10. Relative Roles of Direct and Indirect Rural Credit in Promoting Fertilizer Use

    Authors: Desai, Bhupat M; Patel, M S;

    Reference No: CMA0483 Pages: 3 Published on: 1, January, 1979

    Abstract: The case raises several questions about how to prioritize the relative importance of credit and non-credit factors in promoting fertilizer use. It also discusses the relative importance of two types of short-term agricultural credit - direct and indirect. These questions are posed with a view to understanding the contribution of ... More

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  11. The Function of Finance in Rural Development: A Micro-Perspective

    Authors: Desai, Bhupat M;

    Reference No: CMA0518TEC Pages: 12 Published on: 1, January, 1980

    Abstract: This note provides information for analysing the following three questions: 1. Why does the function of finance arise? 2. How have the rural households in India met their financial or rather credit needs in the last three decades? 3. What roles and objectives have the financial institutions in India visualized for meeting the ... More

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  12. Institutional Fianance for Farm Input Distribution Business

    Authors: Desai, Bhupat M;

    Reference No: CMA0567TEC Pages: 11 Published on: 1, January, 1982

    Abstract: Discusses 1) the rationale for banking credit for input distribution business; 2) relative importance of such credit in the amount of indirect rural credit; 3) future requirements of input distribution credit; 4) terms and conditions of such credit provided by the commercial banks; 5) credit problems of the input retailers; and 6) criteria for determining their ... More

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  13. Introduction to Some Concepts and Methods for Project Formulation and Evaluation

    Authors: Desai, Bhupat M;

    Reference No: CMA0568TEC Pages: 7 Published on: 1, January, 1983

    Abstract: This note covers some important concepts and methods which are normally used for project appraisal. Concepts and methods covered include (1) budgeting 'model' situation, (2) incremental concept, (3) current or constant prices, (4) direct and indirect impacts of a project, (5) acquisition and opportunity costs, (6) initial investment and terminal values, (7) time horizon, (8) time value of ... More

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  14. Introductory Considerations for Selective Shadow Pricing

    Authors: Desai, Bhupat M;

    Reference No: CMA0570TEC Pages: 5 Published on: 1, January, 1983

    Abstract: This note discusses the following questions: What is shadow price? Why is it needed? What practical and conceptual considerations are involved in shadow pricing? Which goods, inputs and services need to be shadow priced? ... More

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