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  • Authors: Bhattacharrjee, Surendra

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  1. Strategic Options for Improving Viability of Rural Banking by XYZ Bank

    Authors: Bhattacharrjee, Surendra; Desai, Bhupat M; Naik, Gopal;

    Reference No: CMA0758EX Pages: 7 Published on: 1, January, 1997

    Abstract: Viability of rural financial institutions especially the nationalized commercial banks, is a top of debate among academicians and practitioners. With the fulfillment of prudential norms, most of the banks have incurred losses and their rural banking operations have been heavily criticized. The central bank has also promoted some remedial policy ... More

  2. Structural Reorganization in Agricultural Financing of the ABC Bank

    Authors: Bhattacharrjee, Surendra; Desai, Bhupat M;

    Reference No: CMA0760 Pages: 5 Published on: 1, January, 1997

    Abstract: This case discusses a change in organizational structure of the Agricultural Finance Department of ABC Bank to highlight how it has helped in streamlining the operations. Issues such as more autonomy and decentralization, thrust, on new product development by the officials, etc. are emphasized. ... More

  3. ABC Bank Credit for Farmers

    Authors: Bhattacharrjee, Surendra; Desai, Bhupat M;

    Reference No: CMA0761 Pages: 5 Published on: 1, January, 1997

    Abstract: This case highlights the failure of top-down approach as well as the product not matching the actual needs of the farmer-borrower. Rigid and centralized decision-making process, developing product alien to farmers, etc. are some of the issues discussed in the case. ... More

  4. Process Change for Promoting Financial Innovation by ABC Bank: A Case of Potato Marketing Loan (PPML)

    Authors: Bhattacharrjee, Surendra; Desai, Bhupat M;

    Reference No: CMA0762 Pages: 7 Published on: 1, January, 1997

    Abstract: This is a case of successful innovation in which the needs of several parties (farmers, cold storage owners, and bank) are addressed. Development of this innovation was aided by changes in the decision making process, autonomy, etc. The importance of small changes in the product is the focal point in ... More

  5. Rural Credit Innovation of ABC Bank: A Case of Integrated Produce Marketing Loan for Tobacco (IMP-T)

    Authors: Bhattacharrjee, Surendra; Desai, Bhupat M;

    Reference No: CMA0763 Pages: 6 Published on: 1, January, 1997

    Abstract: The case throws light on how bottom-up, decentralized, and autonomous approach can be helpful in the promotion of loan services. The case discusses how one of the managers identified the need of farmers and tried to develop a suitable product. However, the case also highlights the problems faced in implementation ... More

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