REPORT

of THE WORKING GROUP ON TRAINING

in

CO.OPERATIVE BANKING

1973

COMMITTEE FOR CO-OPERATIVE TRAINING

( National Co-operative Union of India)

34, South Patel Nagar, New Delhi-B.

REPORT

0 F

THE WORKING GROUP ON TRAINING

I H

CO-OPERATIVE BANKING

1 9 7 3

COI::CHTTEE l!'Ort Co-Dl'E..'lATIVE THAWING ( National Co-operative Union of India ) 34, South Patel Nacaz:', Hew Delhi - 8

C.':::?t~Jt- ·::

Chn~:--tcr

c-f_1n. p t ;;r

Ct.:art. c.:r

Ch:.cpt..or

Chc.}'t(~r

Ch:.:\.ptur

Cl1apt cr

C:u:tj_)tc ..

I

II

III

I'i

v

VI

VII

VIII

IX

I

II-D

II-C

.,. r:.• ~ u

Int I\JC1 •.1ctury

R0vi-.;\i c·l' ·LJle Pl"'O~ro...-J:lo o.t Co cpu r.:tti vc 111rc.ini:)_· c~lll.: __ ·c, j\_b,:lr.J.~

Proi'cssiortalisa-tiot: of' C:e>opcr:ttivu ~Au1~:

Pro.ctic ::-:1 Tre1i:1:L1C

T ,-JClC!linL:/Tr::;inin._: T 0chni(_lUviJ an:l :: ra.Lu:Ln<-~ ~- !.:1 t e~c.i:J.l s

Evaluation ruJ:l Follov;-up

1

1C

_.,

~~9

62

71

81

90

100

9

~:.;

' ' ..........

C1

70

- GO

S9

99

12[)

Li::~t of Th:-p.:.x·t:ic ipants \·:llo repliuc1 to Quosti01mn.ir-.J

~uostionnairo :Lor Ei:-participants

Quco:t ion.r1:..1.iro

III Pr..osc.;nt Syllabus - Special Cournu i:1 Coop.;rativc; ":Jankit\~

IV A;:;scssr.-.~.mt oi' tn.ti!lC>OS 1 p•rfon=co

VI

VII

VIII

Dr3.ft rcvi.s-..::·1 syllabus ~0 :-.· ·thu ::::>iploi'lD. Couruc iu Coop'-.;ro.ti v':: 811.rl ~~ar::-.. 1 ~~~:."L;:iilC

~·:.."3.ft s:yllab:.1s :Cor th_ J;i1)lO:"n CJtxs_ in Coc·f.jro.tivo lTrban ~c~rD:in.~

IX Outlia-:s of ;Jho:!:'t-ton.l ?cu.ctional Procr..l:u·.~;.,o

X-A DiJ.ll~;j.r.:_ Cuurs..; i~1 •Joop...;rel.tivc ~·~a.n~:iJ;:_; - ~c::1.Chil1f~

j\::clu"li ~_u.;:;s nr:J. P:."'o.c tic nl ~~r3.inin:.~ Job-Cl1art

'J1::J~Jt .,

CllU!'tCl'

C -~KL 11 t .:ir

Cl'.:Ll.T":t. cr

Clmpt,__r

Clwrtc~r

ClKcpt<:r

Ci1art vr

c:u;:>tc: ..

I

II

III

r'l

v

VI

VII

VIII

IX

''I · T ·-. -;'I •• -. r: '-" \..• ., l .u ..... ....,

Rt,;vi-.. ;:1.; c·.f -~]le Pl"'~ro...·u-~lo o.t Coopu r.:1ti vc 1l1::cc.ini: ~-- C :Jll _;_:c ~ I~l:vlr.J.s

Pr.Ji.'cGsiorialiso.tiot: of' Doopcr:J.tiv...:: ::A'l..n~:

Pr:)ctic ::-:1 ~r.:1i:1iL-L~-:

T._JetC!lil'l..:.~:/Trs.i.n.~1.: T0chni(_~UL.'f3 o.n.:~ ~: ra.L 1.~.ixl(: ~- i:l. t I.]T'.LD.l s

BvalU:J.tion ruu: :E'olloH-up

Ir..i::.:·o.::;tructurc :J.n.~ otll::.J:' facilities

Swx.-~cry of Conclu..:;ions (.:. ~1ucouncnc13tions

1 9

1C - ~=~

' ' ·-. r ~ ........

.:~9 (1

G2 70

71 - co

2.1 S9

90 93

100 - 128

I List o~~· R0prc.:se:ntc-..tlv ..:s

II-D

II-C

\ TT ~

VIII

~ucstio1n1D..iro i'0r Ex-p::u."'ticipants

Spacial Courou i:1 Coop~rativu ·:::o.nkin ..

Dr:tft rcvic .::·1 s;y-llo.l)us ~v :· -iJ.!.u 2'Jiplo1 -~.o. GourD\; i!l

Co .~p<.: rn ti v·:: ~nr1 :-~~J.r .... ~l =~·2-::L~L-l.C

~·:.---:J.ft s~i ll3i·.:.1s :~or tl·;, ._ };i1)10fn C .:-JlXS ~ j_n Coc·f . ...-rati Y·~ iT :rban ~-:[_"..rik:in.--

IX Outlli108 of Jhort-t0n.1 ?tu.ctional Procro.: u·.,"::;

X-A DiJ1l;.J;.r! Cvurs.__ i~·l •Joop ..... ro.tivc ~·;n.rJ.kiJ;:; - :L(..'J.Chm~

~::.::.:clu1i [lh·:s ar:J P:i.."D.C tic nl 7rainin:,; Job-Chart

Ci1M'rER- I

Introductory

i

Cooperative Credit o.1~l Ilanking consti tutad tho majo~ segment

of the cooperative .mowment in the country, since it was started

i."l 1904. The g:rowth and development of cooperative credit and

banking reo ei ved e7ea.ter fillip during the post-independence era.

In pursua.nce of the n;corrmendations of the All India ;Rural Credit

Survey Committee for the i8plementation of the 1 Integrated

Scheme of Rural Credit', massive efforts were deliberate~ made

with positive State assistance, to revitalise and strrugthen the ' ...

three tier-et:ructure of cooperative credit in the c6tu1tryo Todey1

the E:tructure cooprises of 25 State Cooperative Banlm 1 about 340 . - ' ~ -

\

' Central Cooperative l3anks and about 11 601 000 PriJ:nory Agricultural

Credit Societies at the base level~

As a part of the progro.rurn.e for rapid developoent of

coo~ero.tive credit, so as to institutionalise it to tile I:J.aXimum

possible cxt,mt1 provision of trained pe:monnel to the coopera-

iii ve credit institutions \'IUS considered vi tal far <.:fficient

manngeoent. In recognition of this fact, the CoUQittec for

Cooperative Training, for the first tir:J.e1 introduced en 18-Vfeek

Specialised DiploLm. Course on Cooperative Banking taaa.rds the

end of 1963. The course wu.s intended for the mddle level

personnel CLlployed in the State and Central Cooperati vu J3an1m

of the various States. Ito capncity v1as fixed at 40-45 per

session.' The i~rst session was conducted fran January 1964 to

April 1964 at the erstwhile Cooperative Tra:in:int; Centre, Renchi

(Now Cooperative Training College, Patna). This marked the

••• 2

: 2 :

· · of ,-,pecioJ.i.:Jcd trn~ ~< ~ .. fo:..· the cooperative bnnk: p erso-b eg1nrn.ng - <->-•·'-'-·'"'"16

n.."lel. The course wo.s conducted on cxperimentol basis and the:reo.fter

it wo.s ~ed to tl;e Cooperative Training College, Madras where

it is bein3 conducted continuousl;y since ·:;JXJ second session. The

shifting was done in order to provide better practical training

fccilities in cooperative bnnk:s in a relatively developed State.

" "

So far, more than 20 sessions c:f the course have been conducted

there.

For the senior category persorm_el: no such spccilllised

prog:ro.r;:oe ho.s, howe\e r, been co::~tenplated by the Cooperative Train-

ir.g Organizations in the country. To a lil:litcd cxt_ent this facility "

wns provided by the Vaikunth Mehta National Institute of Cooperative

, lf.!al::l[lgeocnt 1 Poena where Senior Officers and Chief Executives frol!l

the cpax and district level cooporati w _bankn. wc:::e adoitted to

so:::J.e of the progr=es such as Diplona Course in Cooperative Busi-

ness ~Im:D{;euent and Ex:ccutiv-e Developnent Procrn.-"1Cles and other

functior..al courses orgonised frora tine to tiue. However, there is

no special progro.ooe solely offered for the benefit of the senior

level executives from the cooperative bn.nks •

. Purther1 it nay be observed that the iB vreclc Diploma Course in

Cooperative Banking offered for the intomediate category personnel 0

wa.s of foundational =ture seeking tc. provide basic grounding to

the personnel in the various areo.s of cooperative credit .and banking.

ThG course, hovrever, does not provide a spa::b]ised job training for

ruzy of the =in t~Tes of functions or operations UJ.1.dertakon by the

stuff. In other \"lords, it is a.."l ornr.ibus pro~"lllo which is offered

to all interncdiate category personnel such as Brnnch Ma.ID£ers,

•• • 3

: 3 I

.A.ccountants, Inspectors, Senior Clerks, etc. Thus it docs not

provide functio1~ or job-orientation necessary for specialised

functions. At present there is ·no othcx follow-up progranr.1c

organis0d within tho training cocylex which oan provic1e further

specialisation or job orientation for sp ccific jobs. Also there

is no provision for refresher courses for those already trained

i..11. the diplooa course. In th<l absence of_ s"GroaLJlined and adequate

arrancemcnts sooe of the cooperati vo banks have been taldne

ac1vanto.:;o of the cou.rSes lilw Higher Diplooa in Coo,Poration (m:x::)

conducted at all t:1o 14 Coopo~tiw Training Coll:eccs.

1) APPOINTl.DlT OF Tfill '\70RKiilG GROUP :

1.2 In vi.:w c-f the above situation and the need to acccl.e-

rate the prograooe of specialised trair.d.l~ for the cooperative

bank pcrson11Cl in the context of planned dcvclopocnt of this

sector, tho Co=ittce for Cooporati ~ Trainin.::; has boon thinkirll.;,

for sooc time pnst, to reviev; the entire train.i.-:'10 arro...'1(;0tlonts

for the per.:Jonncl ecyloycd in Coopcro.tiv·e bCJllr.s. i7ith this end

in view, the Comr:rl.ttee decided to constitute the rlorld.nG Group

on Training in Cooperati vc Banl:i1JG with the following ocmbers:

1) Professor B. N. Choubcy Vo.ihmth Mehta Hational Institute o:::: Cooperative lilanagoment, Poona. Chairman

2) Shri D. n. Oza, Principal, Cooperative Tra:i.nine Collece, Vallabh Vidyanagar (Gujarat)

3) Sbri K. Aludiapillai, l'rincipal, Cooperative Training Colloco, i.Iudras

••• 4

l.lor:iber

Lieober

: 4 :

4) Dr. v. K. S:i.ne;h, Principal, Cooperative Training ColleGe Luclmow (Uttar Pradesh) I:.Ie1:J.ber .

5) Shri K. 3.~~ PadD.anabhan, Reader Vaikunth Uohta Hatior> .. l!l Institute of Cooperat:ili e Mru1a5oment, Poona. Momber Secretary

1.3 TEffiJS OF lhlFETIENCE :

.A.s oedlers of the 'iiorking Group, we have been asked to

review and IJa.ke definite reco=endations on the following ;

( 1) to revie.v the progress and probler.lS of the

Diplom Course in Coopor-.J.ti ve fu.rl.ld.ne

(b) to make rccor~e11dations regarcline possibilities

of further a.."'::pa.ru::icn of tho Diplooa Cou_-rso in

Cooperative BankiJ:le

(3) to I;ake roco=endatiov...s recarding introduction of

jcb-oricnted courses in the sphere of cooperative

bank:ing at various Cooperative Training Ccllccos.

a) L:cetinr;s : Tho Workinc '1roup since its appointnont held

three ocetings as mentioned below :

I'leet:ing Date I-lace

First 19-12-1972 Agricultural Credit Department, ~oservc Bank of India, Bombay.

Second 26/27-';.-1973 IIJ,ad;r:as

28-4-1973 1'ncl.urai

30-4-1973 Tr:i.vandrum

Third 14-5-1973 I Kr.J..ya."li ("';Test Bengal)

16/17-4-1973 Patna (:3:i .. ho.r)

••• 5

: 5 :

The first [!Ceting wo.s hold in tho li.gricultural Credit Dcpo.rt-

mont of tho Reserve 3ar.k of India on 19th of Doc Q[lber 1972 as

indicated above where the GUidelines for tho otudy of the various

issues referred to tho working eroup wer c finnlised1 when tho

m(ll]lbers had tho benefit of the presence of Dr. c. D. Da.tey, Chief

Officer of the Agricultural Credit Depo.rtnent and now tho Executive . .

Director, Reserve :Bonk of India., Dr. s. B. liloha.bal, the then

Director, Vaih.--unth 1::e...l:lta. National Institute ai' Coopero.ti ve Mur1D.30-

mont, Poona. and Shri J. N. Chrllru, Deputy Coooissioncr1 Ministry

of Agricultur0, Gove=mt of India and !.I()[lbctr Sooreta.ry, Co=i ttee ' .

for Cooper-ative Tro;i..n:in(;.

The second meeting of the 'ilorJ.d.ne Group was held at Madras,

l.la.dura.i and Triva.ndrum. where discussimis were hcl.cl with Cha.irncn,

Board of :Uircctors and Chief Executives frou the ll.pex ond District

Central Cooperative :Sanks, a:.s also c. fov·1 selected Urbon Coopcro-

tivo Banks. Tho representatives of Rceistro.rs frcu the States

of Tcmil Naclu oncl Korala also attcnclcc1 the I:lccting.

Tho third m.ect:in(; of the Group WD.Iil' held on the dates uontioncd

above at tho Coopcrativ .:J Training Colloce Kolyani (\7cst Bengal)

ru1d also at l'atna. Tho J:rominent OLlOlJG trDse who Pat' tic ipa.ted

at the Kalya..'li nceting were: Shri Jl...l{ Cha.ttorjcc, I.A.s., Registrar

of Ccoperati...e Societies, ·.7ost Bengal ancl Shri Jir Chaku, Deputy

Co=issioncr1 liinistry of l.e;riculture, Dcpartucnt of Cooperation,

Government. of. India. and .MQ[lbor Secretary, Co=i ttce for Co opera.-

tivc Trainir..::;. Shri Chalru also attended the noctint; held at

Pa.tna. ·Tho r::.ootir,g at Patna was unig_uc inasuuch as it was the

••• 6

: 6 :

cost well attended meetinG where v~terLn cooperators like Sbri

Dip l!arn;;.~en Sinha, Chairmm11 B:L'Jro' State Cooperative Federation and

a fomer Chief r.!inister of Eilmr and senior State Government

offi.cials attended the meeting, besides Choirmen and Cr.ief Exeeu-

tivcs from Bilmr State Cooperative Bank and Bilmr State land

Development Bo.riir.l;':lorticipated in the discussion. The meet~ with

the representatives of the Cooperative Banks and the State Coop era.-

tive Departments were liJl1in:cy to identif'J the train:L"lg needs of the

cooperati w bfl.r1..kB. The list of persons who participated in the

various ceetirlgs iD encloned at ~l'JllCXUl'e I,

b) Questionnaires : For eliciting info=oation relating to the

various is sues referred to us and for helping us in crystalising

our idGas a.nd thi.'1king and deriving logical conclusions, comprehen-

si ve questionnoi res were issued to the followirJG

1) Registrars of Cooperative Societies

2) State Cooperative Banks

3) D~trict Central Cooperative Banks

4) Ex-participants of the Diploma Course in Cooperative Bonkiub beinG conducted at Cooperative Training College, J.'lad.ras.

Copies of questionnaires and list of .persons and institutions

·who replied then are given at anne:;ure II.

c) Inte:'Views : Duri!Jb the course of cur visits to 11adras,

Irladurai, Trivandru;:J., Y.alyeni anl. Patna, v1e tcok opportunities to

interview a few e"minent cooperators WC;rldng on the boards of

-_cooperative ba.'lY..s, ccntrol.,line officers in cooperative banks as

also employees of cooperative banks who baa received training in

••• 7

: 7 :

the :::JiploDa Course in Cooperative B::mking conducted at Cooperative

Training Collec;e, lhdro.o. In the! course of these interviews, we

tried to obto.:L'"l their co.ndid vi~~s about the effectiveness o.nd

utility of t:w presc;1t training procr=m os o.lso succestions to.

d) Pattern of the Report : On the basis of the ini'o:rmation

collected through mcet:L.'"l;:;:;, questionnaires o.nd interviews, we ho.vo

tried to for.:~ulo.tc our views on the various iosues which we ho.ve

tried to present in o. loGicP~ rannner. Our findincs end rcco=onda-

tions o.ro beine proGe:nted in 8 Chapters. Tho Cho.pto:>:- IX contains

tho ou=ary of :rucomr;Jondations. To this llns boon added o.ppelldices

numbering 1 o.·

The Second chapter is devoted to the rovie.;- of tho proer=no

o.t Cooperative Troilll.n& Collec;e, ~.!udrus whore evaluation of tho

present procx=e llru:; been demo, so os to find out the co.ps o.nd

dcficicncic:s. THl third cho.p'tcr deals Iii th the troil'linc needs •

where a.n attcwpt 1= been rao.de to project the requirements. In

the sa.ne chapter we have tried to opcll out the different types of

:rrogranmGs and job-courses nocesso.ry to oect tl10 ever cha.neinc

traini.nc requircracnts. The fourth, fifth, sixth, seventh o.nd

eighth chapters o.re devoted to th0 patterns of pro.ctioal trad.rJJ.nc,

traininG toclmiqueG ax~d tro.:i.J.J.i.r.:; rao.tcrials aml illfrastructure

faciliti.cz rcspe::tively. SUI:ll;nry of our ovcrull conclu..Yions o.nd

rccOI:1!.1Cndo.tions fiil<b I lace in chapt or Nine.

1.5 SECRETARIAT :

Tho office of the ',7crld!l{; Group w= located o.t Vailrunth

••• 8

: 8 : .

Llobta national Institute o:r Cooperative l•lanngonent, Poona in the

Dopartn:ont of Fin.:Jnciv.l Mro'lagl}l;;.ent. This arrancG!llont enabled the

Cha.i:roan and tho MG!llbcr Secretary of the 1/ork:i.nf; Group to carry

on the work connected with the study of issues while attending to

thdr usual work at the National Institute. This coUld be possible

only 'tl:lcaus~ of the kind gesture and sympathetic attitude of the

Director of the Institute. All tho necessary facilities and

administrative assistance was L:ad.e avn.ilr::.blo to us by the Institute

for which we are very th(lll].dul to the Director.

L'l course of our work, we had occa.sio;)S to consult Shri

R. G. Tiwari, Me!:l.ber of Parli<lment, President of the National

Cooperative Union of Inc1ia and Chair=, Conrittee for Cooperative

Training G.S o.lso Sllri G. R. Patil, 1!ec.ber of Farlirurlent, General

Secretary of tho national Cooperativ~ Union· of India, Chai=,

L:ahn.rashtra State Cooperative Unio:J. and Vicc~hairna.n of the

Cor:mri.ttec for Cooperative Tra:i.nint;. '//o are very thankful to thE!il

for thei~ advice and guidance.

VIe 17ould also like to place on record our sincere thanks to

5hri J. IT. Cr .. aku, ~mbcr Secrotary,Co!J!Ji.ttoc for Cooperative Training

who esp<.ciall.y found tine to participate in 2 of the 3 meetings h• ld

by us in different rGgiollS of tho country and provide useful informa­

tion and g-uidance duri.rJe the dEliberations of tho Group.

Dr. C. Il. Datey, Executive Director of the Reserve Bank of

Indi."- desorvos our special thnr'..ks for e;uidi.ng tho deliberations of

tho World.rJe Group in the. fimt meeting a.Yld offering valuable

••• 9

: 9

suggestions in regard to the approach to the problem of training of

the cooperative bank personnel.

Our thanks are also due to Professor Y. K. :Shushan, Principal,

Sir Pochkhanwcla funkers 1 Training College, Bombay, who, in the

course of our discussion, gave u.s valuable suggestions. \7e will be

failing in our duty, if we don't express our gratituc1e and thanks

to the Chairmen, directors and chief executives o:J; the Cooperative

Bo.n.ll:s as also the Registrars of Cooperative Societies, v;ho met us

and offered their co=cnts and viel7s 1 which helped in crystallising

our ideas on various issues. In particular, VIe _would like to thank

Shri A. K. Chatterjee, I.A.s., Registrar of Cooperative Societies,

Y/est Bengel and Shri M. S, Pclnitkar, I.A.s., Commissioner for

Cooperation and Registrar of Cooperative Societies, ll!in.hnrashtra,

who specially found time to meet u.s and gave the benefit of their

considered vieNs and suggestions. The rest of u.s on the working

group desire to express our v1c.rm appreciation of the contribution

made by Shri K. R, Padmanabhan, the Member Secretary of the Group

who took the entire responsibility about the functioning of the .. Secretariat of the \lorl:ing Group and provic1inc adLiirable support

to u.s in finalising our report. Shri s. B, Bapat of the Vaikunth

Mehta National Institute of Cooperative ~lianDgement, Poonc. also

deserves our thanks in ample measure for ·all the stenographic

and other kip.ds of a.<>sistance in ro mpletil.Jg our report.

... 10

Chapter -II

: 10 :

CHI\.PTER - II

Review of t..he J:'rogr=e at Cooperative !r:ro.ini.nG Collc,:;e, Madras

.As i.nrlicated earlier, the 18-l·wtl(: liploma Course in Cooperative

Bo.nk:i.n£; is being conducteC.. at the Cooper::..tive Training College,

MadrM fron tho second session of the courso startud there some time

dur:irJ6 the middle cf 1964. The course is conducted on .All India

bMis, caterin,; to the trainiJ:Jg requircraents of the eooper'l.tive

banks all over the country. To this course are. adcitted the inter-

mediate category personnel worldl.Jb in tho State Cooperative Bonks

and the Central Cooperative Banks such c.s Branch 1'bnagers, .Accoun-

tants, Bank Inspectors, Senior Clerks etc. The Course is also o:pen

to intermediate category personnel· from the State Cooperative

Department, ·.mo arc· concerned with Credit such as Sub-Registrars or

InspoctOl."l of Cooperative Societies •. .ll.t timos foreign scholars

fran South-EMt-.ll.sio.n and African c o.mtries are also admitted to the

Course.

2.2 The following is the intersp3rsal between theoretical and

practical traininc under the present procramme :

Classroon training ••• ?ractical training (observation) •••

Glass-room training

Practical trairiYJb (Field place~ent)

Class-rooo training

••• •••

•••

Out of 16 weeks (subsequently reduced to 16 woGlcs in

•••

6 weeks

2 weeks

2 weeks

4 weelcs

2 weeks

16 weeks

1969-70), 10

11

: 11 :.

weeks urc devoted to class-roo~ tro:in.ing on the canpus of the

coll<.:ge. •

2. 3 The Co1:mittee f'Jr Cooperative Tro.il.lint:; has provided two

pooto of lecturers to the College especially for the conduct of the

Diplo= Co=se in Coopero.ti vo Bonking. In addition to the t.vo posts

of li.:C"tlU'ers, tie services of a clerk C\lld peen have been specially

sa..>ctionod for this ccurso. In addition, the scrviccc of other

faculty members at the Cooperative Tra.in:i..nt; College whl urc atbched

to other cclU'ses arc cJ.so available for the conduct of the B::uik:inc

Course. Besidoo this, GUest lscturers arc aloe invited to supplsaent

the off cn:ts of the rcgulur teo.ch:ine staff as .:1lso to provide oxp er-. . tisc in tho field of cooperative credit and b3llkil:te• The cw st

faculty is normally drarm fro!:! nnone the officers of cooperative ...

. -. . ·-· b~'"lks, J\.ericultlU'!l.l Credit Depurtmcnt of the ilescrvo B3llk of India,

~enior 0fficcr3 dccJ.ing with .Coopor-.:J.tivc Crcdi t ~rrl funlci.ng), faculty

of trtii.'line; r.ollcee'S of nationnlised comorcio.l'hrullm, such !l.D

Eitti.:ff Coll6ge of tr1c liidiroi: Cvorscas Bnnlc, lildlrru:J ru1tl Staff T=il'in{~

College 'Jf the Tamil Naa.u state CcoJ)orat:i vi:J fu.lil~.

2.4 The syllabus of the colU'sc consisto of tho follow:ine

sub~ects :

. ' .

1) Latest dcvr:lopJLonts in cocpcroti \0

practice and cooperotivci laiV

2) J;'ril1Cipl.:s and l'rootioe .of coopc:Fative bn<.'lld.ng

3) l'rnc tico.l bnnlcing

4) Bnn1ci.ng - Cooperative Accounts o.nd Audit

11. copy of tho present syllabus for the Diplo= ColU'se in

••• 12

' 12 l

Cooperative JJ.:u-.1dr..::; is"cncloscd at annc:JUrc III. It mo,y be

mcnticnccl here that tho origiru:JJ. syllabus of the course was d;raM.l

up in 1963 >:hich wos boir..g followed till 1969. The course conteniE

co-cD.d not be; rovic.ved during that l;one pcriocl. of about 6 yeo:rs

whc:.n. a nuobcr of s :ignificant cl:Ja.ngus took place not only in the

field of cooperative credit and banking but also in the coa-ncrciaJ.

ba.~~ sector, major events beinG the adoption of multi-aeency

approach and cntr.t of comaerciaJ. banks into the fiald of ncricultu-

rcl credit after bank nationalisation. In course cf discussion

with the faculty fur the course, however, it has been reported that

some changes were made in tho syllabus in periodical conferences of

the ?rir.cipals, convened by tho CoL11nittec for Cooperative Training

at certain intervals which took care of the latest dcvelopocnts in

the field. But by ;;.nd large tha pattern of the course and the

structure of tho syllabus rooained e.s introduced e:i.ght years aso

-as oor,tioned above. However, _the pattern of the course and its

c:ontonts, etc. we:ro reviewed and raticin:llised in the Workshop of

?ri.'lCipals conv cnod in July 1969 at Banealorc.·

2.5 During the class-rooo tra:i.n:i.nG, a nuober of teaer..ing

techniguGs arc adoptoo 'by the regular faculty of the college ocant

for tho bauk:i.nc course in addition to looture nethod. In course

Lf our discussion with tho concerned teaching facul~.f, it was

gathered t.lmt mporta."lt ar;.ong the techniques adopted were group

discussions, panel discussions, syndicate studies, assigrment

studies, se~rs, debates and s~osiuus etc. Occasionally, films

on cocpero.tion were also shown to the partie :iflants • The pro.ctical

••• 13

13 :

tra:i..ning of tho traine.:;s is arranged in tv1o pha.ses. Tho f:ir st phase

of praotica.l trcin:ine is lmown ilS observation tour which is of two

weeks duration. This is intended to provide b:lSic kriowled.::;o o.bout the

world.nt: of cooperative credit o.nd b::mlcil1[; iru:lti tutions ri.t;ht from the

pr:i.raary to o.pex level. Under tlri.:J proer=e, stucy vis its are

arranged by the Colle£,e ·to soleot\Jd Cocrorati ve Credit o.nd certo.in

oth6r non-credit L'Wtitutions, Central Cooperative Brul!cs, State

Cooporati vc Banks, l•ericul. tuxa1. Credit Dopo.rtoant .:f t.l-J.e R0serve Bank

a'! Indio., etc. For the purpose of study visits, the trainees are

divided L1to two batch~, ea.ch batch being aocoopo.nicd by a lecturer.

Out of tvm weeks, one week is dovot od to tho study of primo.ry ond

district level institutions and the rerJD.iJ.li.nc one week for the study

of apex cooperative Lwtitutionn at l'lladl."D.S itsolf. Tho second phase

of practical t:ro.in:ing com ists ·of four weeks ruld is confined to the

Tamil Nadu State. Unlike the observation tour, this is' more intensive

- in nature. Under this; the traine0s are divided into 8/10 batcheB,

each batch ccnwisting of 3/4 trainees. While forr--li.J.J[; the croups, the

natur0 of ·i:;hoir job-roq_uirements are kept in view. Attcr:J.pts arc

made to form honiocenous croups anrl separate job-charts are provic1ed

·to them for;[Uidn...'1.co during tho ,Praotica.l intGIJSivo study. \71th o.

view to cna"ble thc;::J. to heve a comparative study of the practices culd

rrooeclures vbtaining "both in Cooperative o.n(1 ComuorcicJ. Banks, tho

progr=e n.l.sn i.nc,J.urlGR ·visit(' to certc-.in solooted n..'"l.tionn.lisod bl'll'lks.

Tho trn.incos are req,'.lirod to ;:1Di..'1.ta:il1 dota:iled record of their

practical study_visits which they arc roq_uirod to submit to tho

colleee at the end c·f thi..ir tour. ::'he;:;o rocurds are oloo token into

••• 14

: 14 :

account while f:L'1alising the assessment of pert'o:rmancc of the

trainees at the end of the course eX3Qination.

2.6 U!'l..der the e:x:isti!'.g prog:rnone, there is a provision for

tald.ne; ~o=al. test of the trainees at the end of the course a.'ld the

success:t'ul trainees o.re awarded Diploma in Cooperative Bonk:l.ng. In

' between, there is a provision for r-..id-tem test. Thus, the assess-

ment of tra.inees consist of a mid-tem test a.n:l. end-of-the-<:ourse

exomination. Separate .Glo.I'ks are o.llotted to throretical t~aining,

practical training, viva-voce and co-curricular activities.- Proper

wei.ghtage has teen eiven to both the terl!linal and end-of-the-

course examination. As for the subjects, it seems weightage has

been t;iven taking into account the course conteniE and the number of

periods allotted to the various subjects. Subject Ho. 1 is given

only 50 marks whereas the other three subjects are given 100 marks

each. The f:innl assesS.GJ.ent and gradation is done on the basis of

the perfonaance of the trainees in written cx.::u::ti.nation, viva-'VOce

practical training and co-<:urricula.r activities. The mode of

assessment under the originnl pattern of prograomc is enclosed as

anne:xure IV • A unique feature a.bout the assesSLJ£;nt of perfomance

of trainees is that the Tamil Nndu State Cooperative Bank has

instituted a prize to be awarded to the outstanding trainee of ca.oh

course. The prize is in the fom of books of a certain value.'

EVJ..LUATIO!T OF THE PBESE!fr PROGRJJiltiE :

2.7 We have tried to evaluate the existing proer=c of train-

ing for cooperative bank peroonncl on the basis of replies roc eived

to our questionnaires issued to the employers and the cmployees,who

••• 15

: 15 :

undciWent tra:in:i..ne :in vur:ious co~ses :in the po.st, o.s also on the

basis of our discussions with somo of the ex-trainees :in course o:f

interviews du.r:ing our tours to di:rforcnt o.rco.s.

2.8 The Special Course :in Cooperative Banki.nc o.s or:l.einolly

:introduced :in 1964, wo.s of 18 weeks dumtioni :interiiJpersed as

follows

i) Cond0'1Scd Basic Course :in Coorerative Principles ond Techniqua:J

ii) Clo.ss-room traininc, :in Cooperative BankinG at the College

iii) Observation tour

i v) Class-room trc.:ining in Cooperative fu.nking at the Centre.

v) Field placement

vi) Clo.ss-room train:i.nG :includinc e=n:i.­na ti on otc •

•••

•••

•••

•••

•••

• ••

4 wcelw

4 weeks

2 weeks

4 weelw

4 weeks

1 week

18 weeks

The capacity of the course was fixed at 45 trainees per

session. The course was open to intG:tmed:i ate catetsory officers who

fulfilled the following qualifications.

11 i) Candidates should be t;raduates or :intemedia1o o. Matriculates vdth at least six months experience :in coopurative broikints coulJ also be adL:litted.

ii) Condidates shouJ.c1 be of :intermediate catce;ory o.s :in co.se o:r Hic;her Diplollltl :in Cooperation Course

iii) Candidates YlhO have underc;one some ba1:1ic train­ing in cooperation or who ore cmctuates with c.t least 2 years experience :in cooperative novemlill t need not und0rgo o. condensed buzic c oorse. 11

2.9 Thus, it 'JIJ03 be observed tbat the tra.:inine course o.s

fornula ted :in the be,:;:i.nning was intended both for new entranto who

••• 16

: 16 :

w~re requirEd to undertake the composite course, as also for

ft irly experienced personnel belon.;i..'16 to intermediate category.

:Iowever, the pattern underwent certain cbD.nges in pursuance of the

rcco=endo.tiom of' the All India Workshop orgwri.sed by the Conunittee

for Cooperative Training in Jtll.y 1969 at Bangalore. As a result,

the duration of the course woo reduced from 18 weeks to 16 weeks

a:.1d the syllabus of the col.ldensed basic course which was intended

to give general orientation in cooperative principles and practices

·to those who had never reccived allY basic tra.in:i.ng in cooperation,

·was suitably integrated with the rest of the syllabi for the

course~· The syllabus was also re-<Jriented on the basis of

experience gained in conducting the course as also the latest

cllllllgos which tock place in the sphere of cooperative credit a.nd

b:mking. A copy of' the revised syllabus is enclosed as indicated

earlier_. Certain consequential chD.'-'lGes were also made in respect

o:f interspersal of tra:in:i.n€; period betwe'm the class-room and

practical training as alro in the systc:n of examinn.tion, etc. The

mJde of revised cxnmination system may be seen on ar.nexure v(A)

2.10 As rego.rds the pattern of Diplona Course, the majority

of ex-participants who replied to our questionnaires have indicated

their preference for retention with euitable modifications in the

S(lUGo In ro urse of our discussions a.nd deliberations, the

representatives of cooperative banks also indicated that the

present DiplomACourse in Cooperative Baruclng ~ be retained with

suitable modifications !lild loc8.1 orientation. However, there was

a genaro.l feeling that the duration of the course is a little

••• 17

: 17 :

longer o.nd needs to be reduced. The consensus was in favour of

continuing the modified version of the Diplo= Cour.:;o o.s o.n cffcc-

tivc foundation training progracne for relatively less experienced

enployees which may be folle>wcd up by an advanced proc=c of

training ei thor tc fore or after promotion to the next higher rank

such as Branch iil3nnger or Branch Agt-nt or rmy equivalent post.

Suggestions have oJ.so been =de that there is a great need to intro-

duce short-term job-orientation courses to provide a sped.nJ.ised

training in various functional o.nd =nngement oreo.s of the cooporo-

tive banks both at the District and at the ll.pcx level. SU[;gestious

have also been received i.TJ. regard to =nne=~t tra.i.ning of senior

cateeory personnel or nenio:r; executives wo:rkinc at highc:lt' levcl.s in

the district o.nd apex cooperative bar;ks. In the course of our

discussions with the office-bearers o.nd Directors from the ll.pex o.nd

District level cooperative bunks, suggestions were.aJ.so =de for

ore;o.nising suitable progromtJs for I:lUrl.:l6oment orientation not only

of the Chief Elcecutives but lllso of the directors of the Beard and

the .office-tearers. Th<J representatives of the Urban Coopcr.:V,;ivc 7.

. Banks both in the Southern States and the Eastern Zone States

d.;;=nded a. separate trainiug proer=c for the eL'lployccs ·of the Ur'bo.n

Cooperative Ba.nlcs and l::JJrEc-sizcd Er:!ployccs Credit Societies.

2.11 Fro::;. the above, the following ovcraJ.l patten1 of

programmes has emerged :-

" ..

1)'Induction Tro.i.nil~ Proc;r=c at the t:ine· of joining the Coop·erative Bonk of 1/2 weeks duration

2) Poundationlll training for new entrants of about 10/12 weeks duration

• •• 18

-..; ...

: 18 f

3) Advance Course in Management for B:ronch Agents/Managers of about 4 to 6 weeks duration

4) Spmic.liscd I!aruJ.Cemeht Prograr.mes for senioJ.' executi ws in diffe-ron:.t Functio:nnJ. and Hanaeemant areas of tho cooperative banks of about 1/2 weeks duration.

5) Short-term Management Orientation Programmes/ SEminars for the Chief Ex:ecutivm of about 1 week duration.

6) Mc.naeeoent Orientation Progr=es/Seminars for the Office~bearors and Directors of the Cooperative Banks from 3 dcys to 1 week.

7) Refresher Course for the various categories at an interval of 3 to 4 years for orientation in the latest developments for. 1 or 2 weeks.

2; ,2 Thus, we have cone ·to the conclusion thO.t the Diplomo.

Course in Cooperative Bankirlg bein[; conducteCJ at the Cooperative

Training College on an All India basis has proved, ·by and large,

usef'ul to the officers and the employees of the Gooperati ve

Banks in their professional· growth and dcvelopoent, although

there is mu::h scope fo:r: ir:J.provine its professional standards by

suitable codification in tho course contents and training techni-

quos. However, this Comse has been considered only of founda-

tional nature and needs to be followed up by specialised progr=es

and job-oriented courses for development of specific expertise,

operational skill a.nd rannaeer;J.ent capabilities of the officers and

eoployees of the cooperative banks, as they grow up and occupy

positioro of high responsibility in the orgnnizations. · A ve:r:y

i.IJ.portant point which was mude, where.ver we vre 1t, wa.<J the cmphasis

on i::J.parting ereater prof3ssior..DJ. outlook to the entire progr.:urme

of traininG for the cooperative bunk personnel. Instead of calline

••• 19

: 19 :

the cuployees for a lonG duration course just at the bce;inr.ing of

their career, it was considered bettor to brine them to thil train-

inc oreo.nisation for ohort spells at periolico.l intervuls to

undergo well structured proer=es of continuous train:ine directed

towards continuously improvine their prcfcscional cfficioncy and

o.anaec:ment competcmce. Thm, durine the entire caroer everyone of

the employees ·should have at JD ast 3 to 4. opportuni tics or even

greater to undereo trairrlnc under various proGrammes~ Ecoidcs

· provid:i.I'..::; job cours c.s .ufter the foundatioiJal. course, the ex-trainecc '

should be brow.;ht to tho training organization at an. inteiVO.l of

3/4 years .for a Refresher Course Proeramne to orient them with tho

latest developments in the field of Cooperative credit and banking I .

in particular and cooperation in eoncro.l.

2.13 In order to make training very· effective, a number of

suee;estions have boon J!l.ade which have boon inc orporci.ted by us at

appropriate places.

2.1/r As rcgaxds tho utilisation of the traininc capacity at

the Cooperative Training College, Tiiadras, it is found th..'>t gcne:roJ.1y

tho utilisation llM been quite cood. Durine tho l.Mt 20 sessions

of tho course nearly 814 trainees have been trained. As roeards

indiVidual scscions it was observed that the number of trainees

varied from 23 •,;o 46 per seosion, thus givine on avcro.ec utilisa-

tion of 37 per session. Of the· 814 trainees trained in the Coursco,

about· 370 or a little less than 50 per cent oro from the State

Cooperative Departments, 174 from State CooporJtiw Banks, 233 fron

Central Cooperative Banks, 25 fro~ Urban Cooperative Danks and

••• 20

: 20 :

3 from Rural Coopcmti vc .Banks. The rest. of them were from Coop ero.­

tive Unions. Thus, it~ be observed that the coopc;rative.banks

deputei only about 450 employees for tr.J.iJ:lilJ£; to this Course from

various States and U!lion Territori~s during the past nine years •.

As against the present strength of the staff and officers in

Cooperative Banks, the number of personnel trained in this specie.-

lised course is considered to be fax inadequate.· Further, it has

been observed that the Cooperative Bw.ks o;f distant States have

not taken adequate advantage of this training programme.

2.14 In course of our discussions, we were told that in view . .

of certain provisions in th3 rules and bye-laws, the cooperative

banks in Tamil Nadu were obli{;ed to depute their directly recruited

employees to undergo the Higher Diploma in Cooperation Course ani

to that extent their employees were dep:d.ved of specialised trt"in-

ing in cooperative banking. This was attributed to be one of the

reasons for lower utilisation Of the course by the cooperative

banks in that area, but for which the utilisation would :h.ave been

much greater.- These are some of the const-raints which col!le in the

way of &renter utilisation of the Course and need to be removed.

The representatives of the cooperative ba.nY..s in the eastern .zone

States and other areas as oJ.so some of the ex,..;participants pointed

out that because of the location of the course at Madras, the

Cooperative Banks in those areas arc not able to take much

advantage of the course. Generally' the er;J.ployces deputed find the

deputation personally inconvenient on family and other considera-

tiona.

••• 21

' 21 :

2.15 As rcgacds the eligibility fer o.dnission to the Diplolllll

Course as ::,.lso the coopc.siti.on of thl.l tro.:i.IJ.ccs 1 certain views were

expresocd durin{; our diacussions as e.J.Go by some of the ex-pnrti-

cipants who r.ave replied to our questionnaires. As the course is

o. opecialised one, it will be dosiro.blc tr.o.t certain homoeeniety

in tho co);lposi tion is :Jaintaincd. It wo.s a.lso fcl t by ma .. >zy that

it was not doiro.blc to club the pcrsonnel occupying lrit;hcr ._ ... 4) ·~ ' .•

p0sitions along with the porscnnel from puroly clerical cadros.

vre ol3J foel that in ardor to maintain a high stnndard.of profc-

ssional trainir>..g rud m;:c the course rooJ..ly sp9 ciallised one, it

would be nocesaary to regulate tlie admissions 41 a =er as would

be co::J.ducive to bring homot:;oniety in the cor.Jpooition of tho

participants in every sensiun of the course both in terms of the

l:evol of tmdo:::-standing, the natt'J:e of their jobs as also their

ranks in cooperative banl':s. This will be particularly of great

significance in the job-orientation courses und professiono.l

!lla.IlD€G!llCnt progroxnmcs for variom levels.

2.16 It has also bew eBphasiscd that pre-training job expori-

one o of 6/12 LJ.onths is necessary before adri 'lsion to the founda-

tion course o.nd that OH:!plotcly rrnv or novice po.rticipanto o.dmi.tted

to spmialised cour::;cs could not derive adequate benefits.

Similarly, it would bl.l n~essa.ry to have tmdcr,.:;one fotmdation

course before person3 arc ell owed to undertake advance course such

as ·the course for Branch A[:cnts or other job-orientation courses

suited to a s:t:eci fie job re1uirencnt. Aizy way, the o.dnissions to

the various trair.ine proc=os have to be rocuJ.o.ted on the

••• 22

I 22 : ·

pattern of stop-by-stop training. ~his mcy help in building up

professional cadres for the cooperative banks in a very logical.

and cffecti ve canner with 1 eo.st wastage of the traini.rlg resources.

2.17 Considering tho specialised nature of the programme,

we think th:J:t the present capo.city of 40/45 is on a little higher

side. The capacity seems to be high in view of the strength of

the too.ching :fo.culty which is 2 at present.· In view of the

14:;ser strength, the ratio between t."le teacher and the taught

works out to 1:20 which is not considered conducive for persona­

lised guid.aoo e which is very ioportant in wzy professional

-t~ proeramne. Suggestions were made that it would be

desirable to limit the number of participants in eo.ch session to

25 or 30.·

2.18 We also looked into the teacl:l.i.D6 techniques adopted

and teach:i.nc; material provided dur:i.r.g the troini.ng programme.

As far as class-room tro.i.ning" is concerned, tll:J situation seem

to be satisfo.ctory, but the observation tour and field plo.cement

tro.inir.g both in cooperative and co=ercia.l banks needed to be

geared.· This could be done with greater involvement of coopera­

tive bonks executives, joint reeistrars doaliiJg with cooperative

credit and banking and local officers of commercial banks. There

seems to be no systematic scheme for provision of course

natorial Md using m.ore effective techniques as is being done

in sooc of the Staff Training Colleges/Centres meant for the

co=crcial bonk enployeos. 'ile feel that adoption of better

techniques and aids should receive ereater attention. Considering

••• 23

: 23.:

its iL:portance, ·:m hu.ve tried to r.lOkc ccrt~in st:c;ccstions in this

behalf o.t an upp ropriate place i.11 our rapcrt.

2.19 Under the prus wt £>.I'rWJCCLu:nt the scrv:i.coo of only two

lecturers have boon canctionod fo::: conduct:i.ne the Diplc;:;u:.. Course

in Cooperative Iiar.kin.:o J.o this is a spo::ialiscd procraa"C~o, wu

would like tllat the teaching faculty io not only ll:i.[;llly qualified

in the subject8 of 3ruih."ir.e Law and Practice but should have

adequate professioml qualifications and cxpe;riencc which should

be continuously devclop<od throueh proper staff ilevelopmont procr3.­

=es. l\S the syllabuo of the presGtJ.t cours•.; will havQ to bo made

more manaecnent orbnted end the nunbcr of profossional job­

cours•Js cey mve to be introduced as discmsecl earlier, the

strcneth and composition of the teachinG faculty m:J.y have to be

reviewed aud cuitably strcngthcmed. Rccof.lf.lcndatior.s in thio regard

are being incorporated at a..11 appropriate place in this r..:port ..

2.20 In reea.rd to the a::JSecscent of the pcrform::mcc of the

participc.nts, obscrvntions havo boon made that. at present tho

whole a;)proo.ch r,.as h: CCl:Je c:x:::J!Jino:ticn or:i.cnte;cl. It haD been

suggeutud trca:t the asoecs:neut C.•f the participantc should be conti-

nuously done on the bacis of the :ir p er:fon:=ce of SJ:<ocific uss:Lcn­

mentc and jobs inctead of as::;cssine.thOIJ. uercly throueh written

tezts, etc., tov1ards the lll1.d c-f "tho pi\Jgr=1c. The node of assess­

ment, therefore, v1ill havo to be reviewed and suitably modified so

as to bring it i:1 line wit':l the oystem of asccssncnt su:i.tod foro.

profcssioual tr::1.inine prce;rru:nc. Yie have exDJllinud the existine

cystem in the l:i.,:;l!t of the cc=cnts ~ld oucccstiom and o~

rocomw:nlio.tic.n.':l in tl:.J.c rv13::1:'d have bec:..'l. incorporotccl :.mlsequontly •.

• •. 24 'Chapt, III

: 24 : CH!I.PrER - III

Trainine needs !llld Progr::u'lll.cs

In addition to the review of the po.ttcm,P:rogress & p:rob~ems of

present Diploma Course in Cooperative Bankine beil'B conducted at

the Cooperative Tr::U.ni.J"J,Z Collceo, Madras, we have aloe been asked

to ma.lte rccomm.endatioru:J regarding possibilities of further cxpan-

sion of the Diploma Course in Cooperative Banking, as also regard-

ing the introduction of job-oriented courses in the sphere of

cooperative ban.ld.ng to be conducteil at the various State level

Cooperative Trair.ine Colleecs. This necessitated an aosessment

~'l.d study of the trainine requircucnts, both in terus of tho

nUDber of untrained personnel of various catoc;ories already wor.k-

ine in banks or who r:JJJ.y be required. by them by the end of the

fourth_ five year pl!lll as . also durin.:; the fifth fi Vl!l year plan.,

and a.J..so in tems of the types of proc,r::llllJ:J.cs suited to the :ix job-

requirements. However, a deta.:i.le d surrey of the requirements

tr~o~ usual procedures has not been possible for us because

of the lim.itatior.s of t:l.l!le !llld other facto~"E.· Still we have

tried to haw !lll idea as to the trained =-power ·requirements

of the cooperative credit !llld banking structure in the country

with particular refer moe to the Fifth :b'ive Year Plo.n. 11.1 though

it is not possible to indicate tho rcquircocnts with adequate

precision !llld corrcctnesa, yet it may be possible to give a

broad idea about the nature and the extent of requirements, which

may be helpfUl for ouc;gcsting the cxp!lllOion of the existing ·-

prog:rn=e as olso the introduction of new job-oriented courses.

3. 2 Todey, a well-knit three-tier otructure o:f cooperative

••• 25

I 25 I

credit end bo.nki.i'lG is alreo.dy on the ground in Dll the States and

Union Territories. Their structure consists of 25 State Coopera­

tive Banl:s, 340 District/Cen:~ral Cooperative Bt1.11lr.s end 1,6o,ooo

Agricultural Uooporati ve Credit Svcieties including larc;e-sized

societies end rural coopero.ti ve bunks.· In ,o.ddi tion to this, there

are about 1,500 Urban Cooperative Bonka, Salary Eo.rners Coopera­

tive Societies of the employe Gs functior~1g in the country. The

cooperative bo .. .>J.ks have got o.bout 5,164 offices spread throughout

the country and it is expected that dur .... ng the Fifth Five Year Plan

about 3 1000 more offices mcy be started. in order to o.ue,ment the

supply of credit from an estimated 700 crores by the end of the

Fourth Plan to about Rs.1200/- crores of short-teln and Rs. 350

crores of medium-term loans a.ncl. advmces, to the nericulturista

by the end of the Fifth Fivo-Yo2.r-P1en, o.s Dlao to expend the rurol

banking facilities of the rural areo.s. Besides, tho no.tionalisod

commerciaJ. banll:s rney open lnrge number of branches in rural o.reas

in the cor,tcxt of the preser.t banld..ne policy, requiring lr.rgo

number of person:-; to be trained in rurn.l bunking.·

3o3 By the end of 1969-70, the cooperative credit and bnnking

structure rcu,ghly had under its employment about 161 000 p.::ruons -

2000 employed in the State Cooperative Lan.lm and about 141000 in

the Central Cooperative Banl::s(Boscd on the anwple survey of 7

State Cooperative :Junks and 34 Central Coopcrati ve Banks lly the

Training Intelligenc o S;:;ction of the Committee for Cooperative

Tro.ininc). It is roughly estimated. that the nuw.ber of various

category of eoployees of cooperative banks in t]J.e countrJ =Y £:o

upto about 4000 in respect of State Cooperative Banks and to about

••• 26

: 26 :

25 to 30 thousand in the Central Cooperative BOl'lks by the end of

the Fourth Plan. Sir:dlarly, the totoJ. number of employees wo:rldng

in the Urban Cooperative Banks and lare;e Employees Credit Societies

might run into severoJ. thousands, oJ.though. it is diff:icult to

indicate the precise number employed by them for the expansion

of about 3,000 officm. During the Fifth Five-Year-Plan,

services of at least 6 to 8 thousand additional employees =Y be

necessary. As against this, the number of trained employees

already in position in these cooperative b~~ is considered to

be very negli(;ible. Further, it is felt that even those employees

who have received some sort of tr.lin:ing, need furthcr job­

oriented progrr~~mes under r..ighly spocioJ.ised professional courses.

The pace also at which the employees will be required to be

trained will have to be rather faster, if the tareots of 3,000

additional branches and the target of loaning operations of the

order of Rs. 1,550 orores of short and medium term loan, have to

be reached.

3.4 It is in this backgrou.-'1d tilfli:; we h:we tried to "identify

the training needs which fonn the basis of our recommendations

in regard to various types of programmes for the cooperative

bank personnel.

3.5 ?irstly, we have tried to idcntify tho broad functional

mnnngcment levels of employees worl:in& in cooperative bDl'lks.

This has been done on tho basis of general study of the internal

organizatiO!l.nl structure of a few apex and District CentroJ.

Cooperative Bunks, o:J also on the basis of our deliberations with

•• • 27

: 27 1

the representatives oi the cooperative bfulks :iJ:1 various rc;_:ions.

Thl.l tr::0.nirJ8 procrw.u:acs havG, thcrefore 1 to b<J structuroil in tho

lic;ht of -~he hie=·clzy of inte:::-nal ctructurc of tlL1JUlCcment in

cooperative bal·i!:s. 1!0 have coc,e to the cc·nclusion that tho train-

ine PJ.'Oer•=.:s/lill hn.vc to be dcsi.;ned for the following lcvclo 1

i) Mc...Yl~or:.cnt Orientation of ti1c Diroctoro · includinc; off:i.ce b:l arurs

ii) Ori(3ntation of Chief E-..::ccutivc::: in Bank T.'Irol...'l.g U1 O!:t

iii) Spccio.lirwd Tra:iJ:line Procr=eo in Ba.nk !Jrumgca:mt for senior exccutiveo

i.v) Found!l.ti on ond Advt.ncc Cour.Jcs for ::rl.dulu level or inte1'll!ediate lcvill. officer:>

v) ,Tob-Qrientaticn Progrru.1ll!es for I:lidtllc and juniO'.' lev 81. .)ffic ers or pro b~ t :illll.nr'J officer3

vi) Routine trc.inine/job trc.in:int:; f:Jr <>ubor­dil:ate eq:>loyees GUCh as clGrical c:l(IrG1 etc.

CADRE OF R'.W..L E.I\Jfl::B :

3'.6 In view of the abov J requirements f'.S nlco the

demands mad:; by soiae of dw States lr. the country for the exponcion

of existilJt; training Diploca C::mrse lll Cooperative Lrulking to :nee+.

their trainill(; needs in an oxpedi tious J:~rumert v•e have ro oc to tho

conclusion that thoro is a c1cfini to need for oxp=sion of the

existing training facilities in re;::pcct of the DiplorJa Course in

Cooperative BunkinG in a L1Dt'tified iona, '12 mn:ld be cu.:;.:;cctatl b;r

us later in our r0por~ in the licht of our cone;lunioru conta:iJ:1ed

in paru 2.-12.

3. 7 We nl30 feel that tl1e tr·ain:iJ:l(; needs of the c::1ployecs

••• 28

: 28 :

workilJg in cooperative banks in various regions of the c runtry

require a little different orientation and different emphasis.

The devcl.opment of the:: cooperative credit structure in the various

ret;ions has shown great v=iations, regionnl ·disparities and

i.mbnlances. Tl1e qualifications, level of employees and therefore

their rcquire.'nents differ f:rom area to area although most of the

requirements ocy ~c co=on. The ec:1ployecs1 particularly, at the

I:liddle a."ld lower levels are found to be deficient in English and

a tra:i.n:i.n.:; prcgrn.cme offered through the medium of English is

bound to be less effective for theill. In some States it has been

found that the work in the cooperative banks is done through the

oediuo of regionnl languages and the employees can darive beitter

benef"its i:f they are trailled through their own medium.' F:rom this

point of view, perhaps, ever-J major State having full fledged

3-tier structure and large number of cooperativn b::J.rJc staff as

also the illcreasing staff of the ru.:roJ. branches of co=ercinl banks,

may, in due ccurse, need extension of the course at different

college3. Hov/Cvcr, the 'li. ability of prcgrazrues to be conducted

fer each State oeparately, mey not be possible to achieve at this

stac;e. But we are illclined to suggest that the Diploma Course in

Cooperative and RuroJ. Ba.'lkinr; in its modified forr.a., =Y be

conducted c:t least on a zonal basis in the ioportant regions of

the c OlUltry. The e:x:i.sti.nc; course at Cooperati vn Tra:t:Une College,

l:Jadras =Y serve the States of the Southe:rn Zone, viz.;, Andhra,

Kernla, Mysorc and Tamil Uadu. In addition to this, the Diplo=

Course i.'l Coopcrati ve Banki.l11;-Wh:i.ch we have described as a

foundation course for tho now entrants or probationary officers

~·. 29

29 ~

employed in coopero.tivc banks, mo.y be QJC'.;cndod to four other

Cooperative Tro.:LJ..ine Collc>ces to survc the E~torr1, North-Western

and C<Jntral Zone States c,f the cou:1t~y. Tentatively vm su,::cest

tho.t- thcoe my be located xc th:1 Ccopcrativc Troir:il'€ Colloces

oontioned below :

(·f_) "'n~tern Zone ( Bilto.r, 0 · A .a.u.>-1 r1.sac.., GBa.-n West Bent;::U., Man.:i.pur1 Tr;i.pura etc, )

(2) North-West om Zone ( Utto.r Fro.do:::;h Dclhi1 Joramu & Kashni:: 1 HID.aohul Pradesh, Funjt.b ard Ha:cya:.m)

(3) Woste=n Zone ( Ro.jo.sthan, Gujo.rat o.nd M:ilhy-a Pro.d OS h)

( 4) C entra.l Zono ( l'ib.llllro.shtro. )

Coopcro.ti vc Troinine Collecc, Put=•

C oopcro.ti ve Trainirlt_: Colletp P.ajpur (Dehradun)

Coopero.ti ve Tr-uining Colloee, Indore.

Cooperative Tro.il'li.ng College r Nogpur.

This mo.y have to be :fil:clised in consultation o.nd collaboration with

the ap3x co operative banks cor:oornod, ilftor onsurinc; tho.t the banlcn

p.:: o·ride o.lllcLI1t'.s of supper+, including fil=io.l (·in o.~od prop or­

·.;ion ) and full:;- vtilise the tr::J.in :ir.g fo.cili tic:::).

INDUCTION TBJ\INING 1

3.8 In the coc1rso of our a:.scuncions ::t.!1tl i..>:rtorviews with the

Chief Executives und eminent ccoporat:Jrs cmmectod with the lllll..lln(3e-

taent of cocp<.:ratho banks, a voltl[J.tle su.:;costion WOJ3 u:a.do about tho

int::-oduction of 1 L":tduct:~on ·Irili.:i.J1c 1 of a'f)out 2 weol:s c1uration

for tho o:!lployecs who join tiw scrric u of tho co0porati ve tanks

afresh, without any background of cooperatj_vd education ru1d trai..>ll.nG.

The induction trcdning, us the title s~:::;e;sts; is nmnt for inductinc

the new entro.nts in the sc:cvice ;;,f ·the :::ooporativo bunk::: which they

••• 30

; 30 I

join.· This will introduce the new employees to the cooperative

movement in g;;ncral and to tho cooperative bank and his job

therein, in p:Jrticular. During this induction the new-comers will

be acquainted with the broad principles, idealogies and the areas

of cooperative activities, the place of their cooperative bank in

the total organised structure of banking in the c mm.try, the

polio ies ond aims of cooperative banks as also the duties and

functions relating to the jobs entrusted to them.

3.9 The arrangements for induction training may preferably

be made by the major banks themselves~· There may be no problem

in doing so wherever the bigger cooperati-ve banks have their own

interno.l train:ing school for in-serv-ice tra:i.J.ling of the:ir clerical

sta£f.- However, the relatively smaller cooperative banks,

particular~, at the district level, may find it somewhat . .

difficult to have their own arrangements.- It is,- therefore,

suggested that the main responsibility for makine arrangements to

conduct induction training mcy rest w~th the respective State

Cooperc..ti ve Banks nithin the area cf their operations, so that

not only they will make arraneements to serve their own needs

but also the needs of their affiliated district/central coopera-

tive banks. Wherever the_apex cooperative ba11k has not training

school of its own, they may designrle one of their officers as a

training of~icor, who, in addition to his other dutius in the

bank, may arrange for induction trainine; of ne.v entronts to the

apex cooperative bank, as alno thoce of the affiliated Central

Cooperative Ballks. Keeping in view the intorno.J.. organization

••• 31

l 31 I

of the ar:ex cooperative ba.1ks, VTe art' inclined to cuggcot thnt tho

Dovelopmcmt Officer in each of -~he apex coopcrc.tivo bank should be

made responsible for thi.s work, to ::>tart with.· It is considere:d

desirable that tho cooperative b.1nks p:::-epn.rc their own notes or

brochures indicatine therein <1eta:i.lcc1 history and. proc;reso of the

bank sine e inception, thei::- aiml and polic:.c3, i'u:"lction.o nnd Ill!l.l'lO,:;e-

munt, as also indicatinc: t.'wre::.U th-air l:l.tust financial position.

Thtm, mmua.l reportn s:1oul<l. bu made available to the new entrants

for study. In addition to this, discussions should be held or

~

talks should be arrat'...:;ul, i.f the number of llfNI entrants is sizuahle,

on the principles, history am: ;uethods of coopEration as also tho

constitution, organization. man:;comcnt a."ld :Cunctioning of coopera-

t:.ve b:.J).lks at vr-.rious levels and tbeir relntionship with other

cooperative org3llizatio~, Govon~~~nt tulli ?ublic Sector Financial

Institutiona.

3~10 Wherever it is not possible, short :.>roc;r:JLne of induction

train:i.ne may be drawn up by tho concerneu apex/Central Cooperative

Lank in collaboration !l.!"ld consultai;ion with tho nearest Cooperat.l.vo

' Traini:1c; College or "the .JurJ.ior Oocpurativ c Trc\ining Centre onc1

talks Iil::t;Y iJe u.rrJ.rJeec1 tho:.:eby b)· ·;,hdr fc.eulty r..Gmbcrs. Wherever

large-scale rccrui toon 1:s of tho pc,ol o:!' of:li cors or 1lllll.llngement

trainees 1 is un•lcrtokea, such incluction proerar.nco could be arranged

at the ncare:st coop()r:l.tiv..l tra~nine cnll·occ o:r. junior centre in the

area.. In this connection, wrJ emphasize that the :::clwmc of

1 MD.ll..-;gement Trr.:i.nee:s ! ru: sl.lf;cc:;turl lJy the Goverruacnt of India,

Res.::rve Bal1k of India and Atsricul t\'xal ll.efL'1D.llrJc Corvoration should

••• 32

: 32 :

be inplcmentcd whole-heartedly and a proper coordination be

established betwacn recruit;;1cnt and trai.nine.

;.11 As indicated above, this sort of induction programme may

be orga'lised either in a forr:uil. or ini:omal manner. Therefore

v:e arc of tl:e view that thoro should be no riGidity about the

duration, contents e.:ad methodology of tho induction programme

and it mey be flexible, so as to suit the rcquil·cw.cnts of each

type of institution, keepinG in vioo thuir own requirements and

their rcsourccfulr..css. The inductivn prou=o, therefore, would

not forn part of the institutional training arrangement to be

provided at Cooperative Trainine Organizations, (cxc~t where

the cooperative banks have their own train:i.ng school) althoU(Sh. it

does not preclude them frotl helping the ccoperati ve banl~s in

drawing up and conducting their own induction.prograomes.

DIPlOMA COURSE :CT COOPERATIVE li.IJD RURII.L Bfl.?lKS (DCCIID) 12 WEEKS

3.12 As indicated earl:cr, the present Diploma Course in

Cooperative Bankine in a. codified fmm may be conducted on a

regional 1nsis at the four Cooperative Traini.."l£': Colleges. On the

basis of our discussions with tho rep!'esentativos of Cooperative

Banks as also ths suggestions mn.de by a lo.reo number of o..x-parti­

cipa!lts who replied to our questionnaires, we reco=ond that the

duration of the course ma;;r be reduced to 12 weeks, consisting of

8 wocJm of class-room training and 4 weeks of pr~;~Ctical training.

The idea. is that the conposite training progn:u::J;.oe of the middle

level of employees may be oplit up a.nq imparro d in two stages.

The first stage of trai.nine oo;y be in the natU!'o of a Foundational

••• 33

: 33 '

Course to which new on-l;rrurts o-r probo.tionn:r:· officers or

'=neemm·t; tmir.ces' tay be ad!:utte.l. with a G i:o 12 months of prc­

"'.;raining job e:..--p<"ricnco, It :nny d::;o be poasiblc to cdrJit to t.hia

Cou:r·sG 7 junior maployee!J of n'J.tionn.lis-1d r.r.merc::.:J.l/lcad banks

world.ng in their rural brt.nr.hcs who require trulJ:ling in ogricul tura.l

fil1.!lr..ce and ru:rr..U bn'llri""JC" Tile entire cost of "!::heir trn.~

should be bomo 'by +J1c CC'1:,c crt1€<": bmllcs.

3 .1;; J:h<J first o"t~e of t:min:i.:n;; n::.y bo of 12 weel:E duration

diyjded into 8 woeks o! thco:rct:~ccl trnir.i.::e end four vtceks of

practical training, The :J'loond stn.s:;c of tm"i.nL>Jg T!'.::V be arrongcd

·f-or those who ta.w underr,one t':lc Foll!!dc."!::jon Course or jurr~ wher.

they o.re on the veref."J of p:::-:>JJotion to a rclativDl:; r.ie':lcr lcvtil 1

such as the poat of Brench ivbn:Jger O."':' t.::;<>nt or just after promotion

to tb:t rank. ThG sGcond etncc :1...'l.Y eon;>i;;t of .::i:·: weul<"CJ of

int -:nsivc "'.;rair.ilJS, drmic,ncri. "to suit the :rcquiroucnts of o bran~h

n.'lllc.....:;cr. While the ma:ir. f0cus of. tlw fimt stor;e r.u.~y 'ce on

opcratio!'Ull (ll"ld functicnn.l nr.pucts of cocporc.ti 110 b::uJdne and on

sy::;d;omr; ond procedu:r:-es, the mo :i.:' . .l foc:u:::; of ~he oecond sto.(~u rey ha.,..- J

to be on tho functicns a.YJi arC"....:.J vi pr"J:'uc:s::.on:.W l·rull: mano.~oJJent

n,..YJ{i dGvvlopmcnt of . iltd...,p cnclcnt d·3C.is :wn-m0d !lii :3J:illG vr.<l caPacity

for talnl"JC n.nd superriG :in£ -~hs: •:.-vTk of i.lUborcHnatc CI:lployces.

3. g ~he l.ntersper:nll oi "12 v1eo:m dur:1tic .1 :Zor the FoundatiJ::l

Diploma Course in Coo:pcro;~ivc OJ.l'l Rurol. D::l.illd.n(; =y be as mdor:

••• '34

: 34 :

1 ) Class-room trainin6 on the co.'TI.pus

2) Intensive Observation study in the .i.\.pc.x Cooperative Bank and one or two affiliated District Central Banks and pr:inury o,sricul tural credit societies within tho State where the Collace is loco:ti:J d

3) Class-room training on campus

4) Job-Orientation Training -

i) 1 Weelc in one of the selected Co=ercial Bank brunch (nearest)

ii) 2 weeks in selected Cooperative Banks v;i thin th c Stat c.

5) Class-rooo training on the co.mpus, final assess;n.mt, etc.

••• 4 weeks

••• 1 week

0 •• 2 weeks

••• 3 weeks

• •• 2 weeks

3.15 In view of the reduction of the duration fr.Jm 16 weeks to

12 weeks, the contents of the present syllabus needed considerable

change in the topics to be covered and their realignments. In

regard to the course con tents, a nuobcr of co=cnts and suggestions

were randc in course of our discussions, as also in the replies

to our questionnaires. It v1as cr::phasised that the historical part

of the syllabus might be suitably reduced. Tho latest developments

in the field of agricultural credit mi.[:ht bo ta."k:cn care of and the . .

areas relating to sys"(;oms, procedures, functions and mnagoment

Iaight roc ei.ve greater attention and weighta&e both in the ro nterrts

as well as the co->{) rage. Keeping in view tho suecestions, as also

the relevant facto :rS and also the job-roquironcmts of tho cate-

gory of personnel and their new job responsibilities in t:iJ:aes to

come, it was considered necessary to thoraue}uy overall the

course contor.ts. Accordingly, we have re-structured tho syllabus

••• 35

35 :

into a wcll-k:)it one, consisting of three subjects of eql.ll\l wei{;h-

taee Given us under :

Subject 1 • Coope£ative and Rural Banking - 50 100 murl\S : PrincipJD s and OrGanization periods

Coopcratb~ and Rural Bw.king - 50 100lllD.rks Subject - 2 : Operations and Monoeemcnt periods

Subject -3 Cooperative and Rural Banki~~ 50

100 =ks Administration and Accounts periods

~hu detaiJe d subject-'l;isc syllabus is civcn at annexure VI.

DIPLOMII. COURSE IN TJR31\li COOPERA.T:i:VE EhlruNG (DCUCB) - 12 WEEKS

3.16 The Urban Cooperative Credit and B!l.IJkinB seement of t::tc

cooperative credit structure hoo witneoscd a phcnomcntal erowth rml.

expansion in which traininG secruJ to have played a. very i . .'m:!orif1-

cant role in the professionsl devclopr:tent of the porsvnncl. ·The

ioportance of the role l'la;yed by tho Urban Cooperative Bunks in the

sphere of SI:J.'1.1.1 industries, hewing finance and self-employment

activities, need r_ot be o·ror-emphasisGd particularly in a sitUD.tion

in which the brnnch-;:ru::.nncers of tho nationalised coLlll!crcial b::mk::;

are not only reluctad but also unable to o.dopt an approach of

'subjective bonking and finnnce 1 to sLJall borx'Owers. The Govc=cnt

and the Rcsc.rvc Bonk of India have been oxhcrtinc; on. the Urban

Cooperative Banke to ll!Obili::;e il"Oro anLl 1:10re cavin£;s to bo mdo

available for tho erov:th and d.::vclopmcnt cf the priority sectors

of tho econoLJ.Y, with a vicrr to accelerate the pace of achievement

of the socio-economic goals set before the cuuntry. On tho other

hond,. thuse baJlks have been broU[;ht under the purvia;f of tho

Bc.nldnG Reeuiation Act 1949 ir.pooine upon th<;m a nunber of statu-

••• 36

: 36 :

tory responsibilities in re[Sard to their fu.t;ctions and operations.

In view of these statutory obligations, they have to maintain

proper bonkir.e standards, as also comply with the statutory requi­

rements i1:1poscd on them in mai..l'J.tainine; liquidity, books of

accounts, etc., ani submit returns in a prose ribed manner for

which they need troined personnel. But unfortunately, the train­

ing a..""!'anc;cmcnt has not tnkon care of their spcciaJ. requirCJI:lents

of trainil1g, except that soLle of the ba.YJ.ks located in and around

Madnls City, where the cooperative baru::i.l"t: course is conducted,

have taken advantage of deputing a few of their enployees to the

Diplo= Course in Cooperative Ba.nkinc;. The Committee for Coopera­

tive Training also offers certain adhoc tro.inine program::1es md

provides certain assistance throue;h the State Coopcrati vo Unions,

wherever there was demand for or~:;anising an 1 evening c oorse 1

for the employees of Urban Cooperative Baru:s and Enployees 1

Crt.>dit Societies. We understand that a ff!{/ such progrommes were

conducted in the past at Madras. The idea was to conil.uct the

pro[9:"'~e on experilacntal basis and extend it to other metropolita

cities and towns having fairly lar{.,'\l concentration of Urban

Cooperative Banks and Credit Sooieties.

3.17 Durine our visits to various States, particularly, to

Tamil lradu, West Beneal and l'fiaharasht:ro, a demand was !iiD.de by the

representatives of the Urban Cooperativo Banks to start separate

Diplooa Course in Urban Cooperative BalJkine to which their

officers and employees could be deputed for training, so that

all their employees could be got trained in a phased manner.-

••• 37

: 37 :

3.18 As it wa.a not possible for us to undertake a aotailod

suzvoy of their tra:i.ning requirements, it is also not possible for

us to make oll;.bo:r.at e rec Otn!nendations in thls regaruo However, we

are ro nvincod that suitable proe.r=es of tra:i.ninc; cay have to be

evolved for the training of the officers or~ employees of Urban

Cooperative Banks for whJm the prosent Diplom Course in Cooperative

Banking is not considereJ. suitable, lJ1 vicv of its ccphasis on

oe;riculturol credit~· In this connection, a ntl!Jbor of sut;c;estions

wore made~ besides organising separate proernmmes for the Urban

Cooperative E::mk sta.-ef. The iJJD.in aL:iClng th•n was th:l.t the eoployees

of the Urban Cooperative Banks should be admitted to tho Diplom

Course iil Cooperative Danking at an appropriate Btoe;e v.-hen tho

oophasis on ogricul tural credi 1; was over and the reiJaining part

of tho train:i.ne rolatu to the min bi::ulking opcro.tions. In our

vi o.v this has got a. number of icplicatbns and may present diffi­

culties in practical icplementation cf the snno. Therefore, we arc

inclirod to sugeost tru1t certain well tb.Ot1£:;ht out separate progra­

mes m:1y have to be fo=Uatu<::. for their exccuti VD:J and ell')loycrfJ

o...>1d conducted c!lly at sal oetecl collages lccatcd in the areas

where there j..::: fairly ~argo c cru:cntration of. Urban Cooporati ve

B::mks ar.Kl Employees' Cooperative Credit Societies, suCh as

Cooperative Tra:inine College, !Jadrea, Coopero.~i;c T:minine Colle:;ef.' 1

Poilna amlndore, Cooperative Trc.ir..ing Collece .. Uaepttr., Cooperative

Tra.ining College, Y..alya.ni/Calcutta, Coope:ro.ti'\C Tra:illine College,

Pa.tna1 Cooperati '>0 Troining Col:i.egc, Hydcrabo.d, Cooporative Tre.inine

College, Banga.lorc, Cooperative T~ Colleec, Po.ticl.a and

Cooperative Tro.ini.!Je Collt:ge1 Luclalovle

: 38 :

3~19 To start with, we recommend that the Diploma Course in

Urban Cooperative Banking of 12 weeks duration may be conducted

along with the usual programmes at the above mentioned Colleges.·

It will be desirable that the course is conducted at least once

in a yeo:r and preferably in the evenings on work:ine do;ys~ The

trainine o:rra.ngements for the personnel of Urban Cooperative

Bonks shouJd take care of ~rore of the operational and management

aspects of the Urban Cooperative Banks, in the context of the

need to diversify their activities, po:rticulo:rly in the area of

financing small scale industries and other economic activities

requiring personalised service to the small borrowers. We feel

that for the time being an il'ltegrated Baric Course, foundational

in ru;.ture, mo;y be sufficient.

3.20 In consideration of the above factors; we have tried to

evolve a DiploiJa Course in Urban Cooperative Ban1d.ng (DCUCB) of

12 weeks duration comprising of 8 weeks of class-room training

and 4 weeks of practical on the same lines as in case of Diploma

Course in Cooperative Banking, except that the practical training

=Y emphasise more on banking operations relating to small eoeJ.e

industries~ Industrial Cooperatives, sell-employment activities

and other aspects comine under the purview of Bankine Regulation

.t..ct. If need be, the employees of Central Cooperative banks

working in their industrial finance section as also those of

the Industrial Cooperative Banks, eight also be admitted to

th.is course, besides those of the urban cooperative banks.·

However, we have suggested subsequently a S€opamte job-o.riented

••• 39

course on IndustriaJ. Firuin:::i11-<:; by Coope:rati'/'3 bonks,· which mcy be

those in Induct:r.ia.l Fi11anr.e Sc:c"Uion of Central Coo:~ero.~;ive Bo.nl::.o,

The Course ~ ha.\"3 thE '!:hre:; ::ollowillg snbjec ';·,

Subject

Subjeo·~ 3

Urbo.n Cocpc.:::J:~ive :tla_'lk7~ ~rinc ipl(~s c~a D:t"g::. j,'LCr.tic, 1

Urban Coopere+,i·co ~;r:,Jd•.l[;

Adm!niotrG+::..cn tlx,-:. h '}<'Our~tn

!;0 period;J 100 mmks

The d€rtailed subject-wi::.e q;llabu::: fol t\1e Diplo:.c'l Ccut'se in Urba'1.

. '

offices/branch8s of "'he ~oopPr:.tj.·;e b~i:.ks as doo the possibilitv

dc:rine tho Fifth five Y'3a:; ·>:cr. wil:! rh1i-•en:l,· $1011£ other factors,

on piofe'3fli(md1y quali:f'ic:". f'~d. ade~u'ltel:,. tm::ned COI:lpctent

have been o.ttrlbutcl t6 l['c?r of efficient ma:wgcrr. ond nccountant:J

·~ralnir.g o.rrorJ.gemc:mts fc•r· the b:;:r- ::ch ·::.::::-.:.~ern o~ the coopera+,i ve •

bonka whl are alroad~r in .f10'1i";io.1 o·_. r ::r<;r;a:1 d:o arc likcl" to •

be elevated tO the rn•Jk O:f ::3"::-;•~_'1h \1-,>;nec· .. ~.· Tt ~,-,_.. - ~ ·- ~ u-.- - Y'O.S .......,o pojnterl

0.. 40

:-40 :

out that Branch 1'-la.nager is the king-pin of b:ronch expansion in the

aooperati ve sector and hence there was an :iJnperative need to

introduce sp ecil!J.isod course for branch IIUl.rulgers to :iJnprove

their operational efficiency, rnanogellent and supervisory. sld.lls

and ability.

3.22 A point was made that while the 12 week Diploma Course

in Cooperative Bank:i.r>..g Will serve as a foundation course Zor the

probationers, ' management-trainees 1 and other junior officers

who have the potential for furthcr gro\\th, the branch agents

course (.\CCRB) will be an intensive proGra!IlllO for those vh o are

already working ns branch manogers or are like:l;y to· be pro!loted

to that rar...k:. As these persom nre liekly to have adequate

operationcl. experience in their routine duties and functions

they may not need elaborate arrangements for practical trainine

in operations and p:rooeduxes but. they ooy require intensive

training in the various arms of ma.na,sellent functions with

particular ref.,rence to mnagement of branches. · We1 therefore,

recommend that a 4 -.eek program:ae in brm ch !IlDJ:l.Ogeoent may be

conducted at the 5 Zonal Cooperative Training Colleges where the

Diploma Course in Cooperative and Rural funld.J.1g will be

introduced. This may mark the completion of the two-tier

professional tr::Uning programme for tho relatively junior and

middle level wployees of the cooperative banks.

3o23 The durntion of tho program~e may be four weeks. This

will be an intensive training for cooperative bank personnel

who are relatively a.t the advanced stage of their career and

••• 41

l 41 '

who h'J.VC in o.J.l pro bo.':lili ty undergone either the foundn.tion course

in cooperative banking or ar~ other r~gnised basic course in

cooperation. We do not envisoge detailed opemtionoJ.· tro:l.niz:lg for

this category o:? personnel. · T'le lil3in focus· of the prog=e should

be on providir..g prJper monagement orientation o.nd development of'

their conceptual lmowledt:;e o.nd experience as al ro the skills o.nd

expertise of mnnoge:nent of resources, o.s also the personnel.' The

tro.ining techliq_ues will, therefore, have to be more ond more

po.rticipo.ti ve, drawing in the po.':'ticipr.nts to po.rticipo.to o.ctively

in the discussions of operational and managerial problems of

cooperative banks, o.s also the cases depictillg live situo.tiona in

the field o.nd try out possible lines of solutions; J~.n. attempt

should also be made to :l.mpo.rt lmowledt:;e nbout the tools ond

.techniques of management which =Y be po.rticulo.r]¥ suited in the

efficioot management of cooperative bank b:ronches. Althoueh we do

. not visualise ony detail practical traini.ne for such personnel as

in the co.ee of compo.ro.tiv~ly ll.C''I'. entrants, we, however, do not rule

• out visits to nearby institutions for actual study of lllllllO€Cincnt

systems~ procedures o."ld problems and for providille opportunitioo

for discussions with senior executives with ~equate lmowledge o.nd

experience in management of cooperative banks~ The deto.ile d

syllabus indicating the subjects and o.reas of J~lrul.l~Cement to be . covered during the course is givm at appendix VIII;

REFRESHER COURSE

3.24 Althouen the Diplonn Course in Cooperati"\'13 Bnnldne is

being conducted for ~Qe last over 8 years, the~ ~-no wQ11 desiened

••• .;.2

: 42 :

refresher co~~c for the middle level enployees of cooperative .

banks .who have olrendy undergone the Diploma Course or oxry

other Cooperative Tra:i.ni..ng Frcg:romme,, However,. sone of the

cooperative ba.nks, some times, like to to.ke ndvantoge of the

general refresher course conducted at each of the cooperative

training colleges durine the gap periods.· But this refresher

course is mainly designed for c;encral purpose officers and

employees of the cooperatiw departments anl. cooperative institu-

tians who have undergone the Higher Diploma in Cooperation Course.

We, therefore, feel that the present Refl'esher Course for the

inte:rmediate personnel is not suited, partioularly to the needs

of the bank employees; As conpared to the other segments of the

cooperative movement , the cho.nc;oo in the policies and progrOI:l!lles

of cooperative de,·e:J.opnent n.s also other relevant factors, have

been more rapid a.~ ~ulti-dimensional in r8spect of cooperative

cre-dit and b:mldng. This necessitated faster adjustments on

the part of the personnel ·:o suit the changint; situations.· This

could be possible only through o. dynanic I craah training 1

prog=e which wruld act o.s a pace-set'loer rather than a trailer

trailing behind the developments. A great majority· of the

cooperative bank representatives suggested that there should be

a separate Refresher Course of two ''leeks duration to be organised

at the Cooperative Tra.i.ni.nr:; Colleges at least once in a year.

It is envisa,ged that all those who have undergone t.'Io Foundation

Course or the Branch fleents Cou...""Se should be el.".abled to .attend

the Refreshm- Course at en interval o! about 3/4 years.

••• 43

' '

l 43 I

3.25 While fomulating the contents of t!te Refresher Course

the main • emphasis has to be J.aid on the latest trends nnd develop­

ments in the field of oericultural credit in eeneral nnd coopera­

tive credit and !'IU'al ban..ldng in particular~

JOB-ORIEllTED C 0\JRGES

3.26 We have also been asked to make rtJcommendations reeo.rd:i.ng

the introduction of job-orienta:l. courses suited to the job requi­

remen iB of various types cf functionaries we :dd.ne iD. the State .

and Central Cooperative Bc.nks. Accordinc;ly we triec1 to identify

the areas, the nature nnd scope of requireuoniB of job-oriented

courses which might be introduced at the various cooperati vo

tra;i.n:ing colleges. In course of our discussi ons and interviBNs,

it was pointed out by many that the present o.rrroJ(;ements for the

training of cooperative bank personnel do not provide short-term

job-oriented courses~ although such courses should be an essential

feature of any training procramme meant for persons whose

efficiency need to be continuously developed to ha.llCD.e the jobs

assiened to then more efficiently. In replies to our questionna.­

ires as well, a large number of e:ic-participants h.:l.va given their

suggestions -on this issue. WhiJ.e we do realise that there is no

water tight dopartme.'ltation and demarcation of duties and fUnctions

as between· tbe sr.tall number of enployees, particularly, in

smaller Central Cooperative Banks, but still in bigger district

Central Cooperative Bnn!CB a.11d most of the State Cooperative Banks

in major States, systel!Ul.tic divis:iDn of work does exist.

: 45 :

3.29 Some of the i.I:Jportunt functionol o.rws in which job-

oriented courses could be organised o.re civcn below :

1) Job-oriented Course for Accountants

2) Job-Oriented Course for Cuchicrs

3) Job-oriontad Cc>urs.; :for Bunk Innpoctorc/ Senior SupJrvisors.

4) Course on Banking Regulation Act

5) Course; on Industri.Dl FinancilJg by Coopero.ti ve Banks

3.30 In addition to the above progreJ!llles bllScd on important

aspects of jobs of routine nature to be performed by tho cooperative

bank employees, we· also suggest the introduction of following short-

term functional prograumes Tihich is designed to 1evcl.bp functionol

efficiency Of tho employees in the day-to-day £lD.I1llGCI:mlt of the

affairs of the bunk. However, tl:e so functional proe;:rwnLles are

cons:lrlered to be more sluited to the job-requirements of branch

agcniB and oth.;r senior executive;s :-

1) Programme on Credit Appraisal

2) Program:ae on Financial f.nalysis

3) :i:'rogr=e on Budgeting for bunks including perfo~~ce budGeting

4) Progr=e on Eank Inspection

5) Progr~3 on Deposit Manngereent

6) ProGI'=e on Cash lfiunnecme!lt

7) PrugraJIII:le on Cos·t Reduction ~ecluri.qucs in Cooperative Bauka

8) Progr=o on Internal check and Internol Audit of Cooperati VJ Bunks

9) Progromme on Indu.St:Lio.l Finonc:ing by Cooperative Banks.

3~·31 The above mc:ntioncd progra.rJ!lles o.rc consirlored more desirable

for comp=atively seruor e:.:ecutives woricing in cooperative bo.nks. In

•••

I .J.6 I

subsequent pa:r:agraphs, we will be reverting to this subject

while considering the training progr~es for the senior level

executivos of cooperative ba.nla:Jo The broad outlines for tho above-

I:lcntioncd programmes are given at appendix IXo It is suggested

that the details .LJEJ:Y be finalised in c cr.;:JUl tat ion with the experts

from tho cooperative banks, Reserve B::u1Jc o:f: India and other

concerned organizations.

PROGRJI.J,j:l\iES IN COOPERATI~ BhlJ\: I.iJ\1'-t\GEl'.lEilT FOR S.t.NIOR EA.t:;CUriVES OF COOl'lli'lJ\.TI~ Bli.HKS.-

3.32 It is nOW1 increaziP.gly realised that trainine to be

really effective end to serve the purpose of a 1change-ngcnt 1 , has

to be multi-level and. nll-ew.bracin& to cover all tho cadres i..YJ.

the I:J.anngemcnt of cocpcrati ve bo.nks. ·;rnile focusing our attention

on the trainine needs of the relatively junior and middle levcl.

eraploye:es, we have beilll obliged also to give some thought to the

training requircmeni>s of th8 ·senior executives who have to provide

high level leadership for the persons wo rl-.:i;:Jg at lower levels.

To provide effecti VG 1 mdership in the J:',unogemont hierarchy of

cooperative bar>Jr..s, tne senior officers must Lave interest and

faith in tro.ir.J.ne and should thccsclvus be in a position to be

effective and sympathetic educators and trainera in as far as

their subordil'..o.tcs are concerned. It is our considered vie;/ that

traininr; of the staff at lov10r echelons wCJ.Y not bear adequate

fruits, unlcas those at higher echelons thcuselvoo are properly

oricntDd in J:nnogcoent.

3.33 In our discusaions with tho Chaimen/Directom of tho

••• 47

: 47 :

Boards nnd the Chief ~xecuti ves of the Apex nnd District Ccntro.l

Cooporat:Lve Bt>nks 1 s~JG,gostior..o w.::r0 a"!.so oo.Cle that proper orienta­

tion in lilD.nacement is necessary net only for tho ocnior executives

but o.lso for Chief Zx00utiv-es !ll'ld directom of tho boards of

coopcrati·.e bonks. In the lie;ht of tho discuosions·hold nnd

suge;estions lilD.de by tho vro:-iouo cone .:>I!'.cd quarters, we sugeost

various training pro~:;!'aones u:rlformly of two~veo..1<s ilu:rn.tion in

cooperative bank mcnogo::10nt f':l:.: senio:r executiv·;s of cooperatiw

bo.nks. These specioli~cd bank mo.nn.seJ:J.cnt progrcmnes for senior

und chief executiv0s ac also for the Cho.ixmen n:nd Direc·~ors of

the Boards, rec:uire spcciol att mtior. o.nd consiL1o:mtiono ct tho

highest levels both in the Goverr.mCiit c.nd Committeo for Coopera­

tive Training. Vic lmve, tliercfo:.."e 1 sw;::;cstocl in a subsequent

chapter the establishment at' a lhtior..o.J. level Inotitution to oe

called as tho Hntiono.l Llotitute of Cooperative Bonk Mru1D[;cmcnt

on the. lines cf the NaticncJ. Institute of Bonk i•To.naecmcnt for the

Col!ll:lerciol Bo.rt,::ing sector. This institution rnn.y coruluct various

kinds cf manaeanent progr!\mmcs for the senior nnd Chief Executives

of the Coaperativo Banl::a ot o.ll lrinds 1!1 the countcy as also

orennise seminD.ro and eor..fcrenro s for the Dir<1ctoro o.nd Office

beo.-r.ers of the State; Coopcrai;i·;o Bo.;1ks. However, Seminars for

office-bearers, directors 9nd chief executives of the district

level cooperative banl:::J ancl large-sized ru!'Ol credit societiro

mey be oreo.nised e.t the re.:;poctivo coopcratiw traininG collec"'o

undo:· the overall c;uidance of the J:-roposed liatioll31 Inctituto of

Cooperative Bo.nk I;Icnncement .. Howevee"~ u:1til such c. Hatiorcl level

•••

l 48 I

• sproialised institution for the cooperative b::mlcing sector is

established, the specialised muna..-_:;cmcnt progror.unes sug~ested by

us in a subseq_uent cha,ptcr may be evolved, planned and executed

at the Vaikunth Mehta National Institute of Cooperati vo L!onagement,

Poona.

••• 49

Chapter - IV

: 49 :

CHII.:i?TER - IV

Professionoliso.tion of Coopcro.ti vo l3o.nk rllalmg eruent

THE IliiPOR!'A:.lCE A .. ~ ROL3 : OF T H8 COO:i:'K1I\.TIVE Bli.HKS

The oreaniscd sector of bankine consists of tho commercial

banks and cooperative banks, ultioatoly linked with tho Rcscxvc

Ba.nk of Ind:ia. as the centr:ll bonking authority, at the vortex.

\'fhile the commercial banking structurfl ccnsistcd of 13,G20 .bro1:1chos

(by June, 1972) 1 the cooperative banks had ol:lly 5,1G4 offices

spread throughout the country. The commercial ba...'lks oostly confined

their activities to th0 major toms and cities of tho country. But

tho cooperative ba.nlro covered =jor po.rt of ;the ru:rn.l areas, linld.n{;

the demonetised sector of the oconoey1 with tho rest of tho J:liellly

monetised ond orco.nised CL.>ctor.

4.2 .ll.ccord:i.ne to the findinep of the Dank:inc Colll!nission which

reviewed tho covcraco of rural ond other area::: by cooperative ond

commercial ba.nlcs, it wo.s found that considerable increase in tho

number of offic os · of tho apex ond centr:ll cooperative banks had

ta.lcen place during the last decade from 1961-70. Towards tho end

of June, 1970 1 tho 340 centr:ll coopurative bo.n..lcs1 in 17 major

States, had offices includinc heo.d offices, numbcrine 31438, of

which over 5o% were located in centres with a population of 10;000

o.nd loss. The tot:ll nur.1ber of brullc offices o.s mentioned o.bovel

including prioo.ry cooperative banks, increased to about 51 194 by

tho end of 1972. However, it was sienificant that ol:lly 3 Sto.tes

••• 50

: 50 :

viz., Gujarat, Mohnrashtra and liiadbya Pradesh accounted for over

50 per cent of their total number of offices and 65 per cent of

offices at centres with population of 10,000 each. This :rcveols

that given the oreanizationo.l competence ond good leadGrphip•

coopcratiw banks find it easier than their countcr-p:li'ts in the

co=crciol banking sector to spread out into the rural nrcas.

4o3 It will not be out of place to uention here that coopem-

ti ve b::mld..ng has come of age hav:L1('; haLl their existoncc during

the last about G to 7 decades. In fact, the-y have cl!lergod as tho

sint;le largest institutional agency for provi.sion of rural ond

agricultural credit for agricultural production and development.

Starting froo a z::eo.gre 3.1 per cent of the total credit require-

ments, the cooperative b:mJr..s today lmve succeeded in providing

about 35 to 40 per cent of the credit requir;:;:n.c..'lts of millions . .

of operating fann. units, scattered throCJgh the nook and comer

of the country and have shouldered rather the most onerous

responsibility of provid:ine finance o.ncl barJdr..c facilities .in

ru:mJ. areas.

4.4 It is true that lack of competent and trcincd manpower

has been one of the ermtest constraints in tl1eir development

and gr~'lth. In this connection, it may be observed tlmt both the

organised structures of bankinc, viz.,, the Co=crcial Banks and

the Cooperative B:Jllks, have to play a. YitoJ. role in the planned

econllnic devclopo.ant of the country to achieve tho overall

socio-economc objectives. :Cut Vlhile the co=orcioJ. banks have

huee resources or~ ma.naeemcr-t expertise, they ha>~ no roots

••• 51

: 51 I

in the rural arena and find it difficult to ranch the individual

gruwer. On the. other hnnd, the cooperative b::mks, while they hllve

their root and bra.rtchas in the villa.ges, os nlso the locnl

lmowledge and experience of conditions in which production units

in the =nl arms are ft.Utctionine, they lack in resources and

&lDJlagement expertise.·

4o5 In view of this, the Banldne Co=ission urged the two

major banking systems, to come closer together in meeting the

credit needs of the priority sectors, in order tt..at ea.ch can profit

from the experience and the lmowlec1ge of the other. 1:1: felt that

the quantitative and qualitative gaps in the i.rmtitutional. o.rra.nge­

ments, particularly in respoot of the small, ma.re;in..'>J. and sub­

marginal famers, calls for a PI'!lG!llO.tic and radicnl approa.ch. ~his

required proper coordination between the two major QGcncies and

according to the Commission, tho objectives of coordination should

be : (a.) creation of a wide-spread end progressive institutional

bnse at the prim::u-y Jo vel in dir<..>et touch with tho rurnl producers

which may provide a.deqmt e and t:iuely credit at rensona.ble rates

ani a.lso attract locaJ. f?avines into tho syste;;: ; (b) conoolidation,

strcngthenine and expansion of the framework of cooperative banks

a.t higher levels for mobilisation of resources; ~1d (c) formula.tinc

progrnnoos of tro.in:i.ng and cquipp:i.nc tho personnel in cooperative

banks to carry out the tasks in an efficient manner~·

t,~6 While formulating the approa.ch towards dwclopment of

cooperative credit and banking for tee Fifth Five-Year Plan, the

WorkingGroup on Cooperation crupinsised that the :Fifth ?lan should a.im

••• 52

• 5" • ' <. •

at =iour:. pol3sible institutionalisation of ogri.cultural credit in

"lhich cooperatiye banks will haw to ple.y the major role for . . pro'."iding abou·; Rs. 11200/- crores of short-tom o.nd Rs; 350/-

crores of ro dium··tem loa"ls to the agriculturists as against the

estimated requireJJ.cnts of about Rs, 35000 crores.·

4. 7 This calls for giJa"lti.c efforts on the part of the

cooperative banks to fulfil the task assi._gna:1 to tl:em for future

development. We feel that the problem of credit is not a problem

of mere provision of some amount of i'undo to finance seasonal

agricultural operations in a rather routine manner~ But. the

pro bl a;J. of asricul tural credit mey have to be viewed in the light

of tho perfor:ne.nce and potentialities of cooperc.tive bonks,

Cha.ll£ine dimensions of acricultural J:equirGI:lento in the wake of

t echnologi.cal revolutions bcine ushered in the rural sector, the

eopha.s:;.s on small fa.rmers and the weaker section, the lo...':(';e credit

.:;c..ps, the liJ!:dta.tio"ls of th3 co=e:!.'cial banks in reaching indivi-

clua.l farner, and the urgency to comoerci:il.ise ond mode~e the

!ndia..'1 J\::;riculture, to secure alround developments, basGd on

gr-Jwth with stability and social justice. It is these consiG.ero-

t~.ons which led the policy-makers to adopt the 1multi-ogc.'1Cy' and

'area approach' to tackle the problem'3 of agricultural development.·

4.8 In view of the above, the cooperative bnnk:i.ng industry

has to undergo revolutionary c~~~es in its outlook~ operations and

oa.'JU€:eoent, so as to function as a vital t?ol of crEdit plann:i.ng for

overall economic developoent of thu r~tion. The cooperative banks,

therefore, have to reorient their outlook and understand the

••• 53

; 53 I

ra.tionn.:!e o.nd content of credit plannil"JC ::md devcl.op;aent oriented

bonld.r.g and initiate measure to di:roct their e:fforts towards tho

fulfilment of the co=u':lity 1s aims. The cooperatives have not

only to meet the requirEl!lenta of aericultural produ:tion but also

tho ee1erging secondary deuand for credit in respect of marketi.ne,

processing and other allied spheres like stor3Ge ~d transport,

etc., whic'i:). a.rc 1ega.rded as ini'ra.-structuro credit.

·· 4.9 The cooperative b£!llkinc; structure, therefore, has to play

a. vital role in the promotion of rural development bonking to

. ensure rapid growth of the economy in cenero.l !l!Jd rural economy in

pa.rticula.r.· They will ho::e to r;ra.sp the requisites of production

oriented loaning policy which a.ro 1 meetinG of full finance needs,

exercisir.e adequate supervision, so as to ensure proper end-use of

credit ::J.'1d ()lid.mce in all tho farm operations. rn other warda,

the cooperative banks have to play the role of promoters of 'rural

entrepreneurship 1 and not .noroly to fUnction as a conduit pipe for

tunnelling cred:l.t • In fact, it has to help in x:UJ..1r.i.ne oericulture

a. I b.mka.ble proposition 1 They have not only to dro.v1 ir. the rural

s'lvings but also to introduce 1custooer servicos 1 and extend core

and more rural bankin.g facilit :i.es for the people vthom tho oreanised

bank:i.IiG sector has continuously noc;lected.·

DEVELOPING PROFESSIONAL :~Ili\.GEI.I.i'HT 1

4~·10 All these will require =ssive efforts to change the v'3ry

fundll!:lental and the bosic concepts as also the operational pa.ttorn

The cooperative bo."lking of tomorrow will be, therefore, d.imetJBianal.ly

different than what it was till yesterday. These achiwElllents a.re

••• 54

I 54 I

not possible without the activo support and participation of highly

competent nnd committed professional. rnanucers.

4.11 One of the croot; st constraints in this massive task is

coin[; to be tho dearth of trained persOJ:LYJ.el, not only tci man all

thu existinc; offices of the cooperative banks, but also for tho

opening of about 31000 offices proposed during the Fifth F:hr e-Yeo..r

?lan. No doubt, training of the type required will be a costly

one but, pa:·haps, it mey be more costly not to train the people.

The training has to a:i.m at development of lJ:mlc ma.nngcmcnt in the

cooperative sector as it is being dono for tho commercial banking

sector. Tho train:illg in pedestrian style has to yield place to

a more oodernised, sophisticated and dYl"~~c traininG, which

will help development of trained man-power for tho cooperative

banks, which in turn will enable them to fulfil their aspirations

in the developing economy of the nation. In this context, we

feel that the above considerations call for specialised arrange-

mcnts fer the development of professional. cadre;s of rural minded

bnnk manaeers, sympathetic and responsive to the needs of the

priority sectors of the economy.

UATIONJI.L INSTITUTE OF COO?ERJ\.TIVE 13AN:{ 11ll.Nll.GE!_~fr

4.12 DuriUG the course of our visit to the various States

in the country, where we held discussions with the Chai:rmon,

Directors of tho JJoard and Chief/Senior Executi vos of tho Coop m-o.-

tivo Danks, we gathered tho impression that tho cooperative banks,

particularly at tho apex level, feel the urcent need for critical

talents to fill-up the top po::;itions in tho apex ~rgnnizations,

••• 55

: 55 :

so that their reliance on the State Governments and Reserve Bank of

India, for borrowing· the services c:>f experienced ofiicers on adhoc

basis, is reduced gradually ond completely eli..m:inn.ted in due couxse

of time. They felt that training of h:i..elJ.er level executives in

specialised management programmes could play a very important role

in helping the coopero.tiw banks to fill-up their g1.ps in the

development of top executives with really high level of critical

talent and skill, which may help the cooperative bnnks to rise to

the occasion a~d compete successfUlly with biggest and well-equipped

comnercial banks which have entered the fil'ld of Dgricultural credit

in a rather big way.

4.13 In the above context, tho present training arrnngements

for cooperative bank personnel arc considered to be grossly inade­

quate in the interest of managel!lent development. In this context,

we have also looked into the progr=aes offered at the Cooperative

Bankers' Training College (Reserve Bank of India), Poona. These

progrD.IIIIlles arc only operational in n~ture and do not aim at Jllail!lge­

ment cl<-'Velopcent for cooperative Banks in its totality. The

Vailcunth Mehta National Institute of Cooperative Management does

provide certo.:i.zl matlllgEllllcnt progro.IDI:~es for senior executives from the

cooperative banks, but they are not considerc.d adequate_. We have

looked into the progro.mmes offered by the Vaikunth Mehta Nc.tionnl

Institute of Cooperative Manoccment, Poona Dna find that no specia­

lised mnnogemcnt prograr:m:lCs are offered exclusively for the senior

executives from the coo:perative banks. The senior executives from

the cooperative bonks. The se~~or executives sponsored by the

••• 56

: 56 :

apex and district level cooperative banks arc ac1;:1i.tted to the multi-

sectoral cours CE like Senior Executiw Developucrrt and other

prog=cs organised and conc1uctc<l at certain intcrvnls. Some of

the relatively jv.nior executives arc also ac"L"llitted to the Diploma

Course in Coopen.tivCEBusiness i';ianageLJ.ent, while a f~ others to

certain functionnl courses such as Course on Financial Lbnagement

for Cooperative and Personnel Management, etc. These proe:;rammes

provide generol orientation in the various arcns of l'Jll!13Gement

and are net directed to meet the specific job requirer:~.ents of

senior executives from the cooperative banks.

4.14 It may be appreciated that the cooperative credit and

bankine; is the most developed seg1:1ent of the cooperative sector and

employs the largest number of all levels of employees. This

comprises of 25 State Cooperative Bo.nks, about 340 District Central

Cooperative B3!1ks, having over 5 1000 offices spread throughout

the length and breadth of the country in the service of the rural

econoo;y. The magnitude of the financial operations of these banks

have incroo.sed with a terrific speed arrl require efficie:nt manage-

ment by professional mn.nagers. The loaning operations alone are

expected to be of the order of about Rso700 crorcs by the end of

the Iy Five Year Plano We also understand that they have to fulfil

a target of about Rs. 1,200 crores by the end of the Fifth Five

Year Plan. During the course of the V Plan, the total number o:f

bank offices are expected to increase from 5,164 to about s,ooo.

The. entire development proposed for cooperative credit and banking ..

sector, will depend on tho qunlity of the trainec1 mn.n-power . ~ . .

available to the cooperative banks. In view of this, the present

••• 57

: 57 :

tra:i.ning arrangements will have to be thoroU£h).y reor~:;anised, ratioro-

lised and further strengthened. We feel that the task can be •

fulfilled by a highly sp0eialised apex level i:lStitution, exclusively

devoted for the manag~ent development progr~es for the cooperative

banks. In this context, we o.re reminded of the role played by tho

national Ir.!!titute of Bank Wionager.~.ent for the commercial banking

sector. Perhaps, a similar institution hao become necessary for

proper and rapid development of the cooperative bn.nks. This orGani-

sation couJd be called as the 1 Nationo.l Institut~ of Cooperative

Bank Mnnngement 1 • This organisation comld toke care of all the

requirements connected with the development of trained m::mpowcr for

t."J.e· cooperative banks c.a also provido consulta.'lOy and research

facilities, e'Gco The cooperative train.ing institution.> at the Stato

' levol offering programmes 'for comparatively junior eoployccs of

cooperative banks or trairdL~ institutions sta_~cd by some of the

apex cooperative bruilcs, coull be suitabl;:r l:i.::llced with this apex level

organization.

4.15 Yle vi~uali~e that this apex level orc;anization could be

consti tut ai and run under the overall uobrolla of a Central Agency

(Co!lllllittee for Cooperative Training at present) 1wh::J.e enjoyinG full

amount of autonomy in its day-to-dey administration • The Institute

may be established i..l'J. CP llaboration with all the apex cooperative

banks, National Cooperative Development Corporution1 Department of

Ba.nk:i.ng1 Government of India and the State Coeperati ve Departments

of various Stat0so

4.16 The institution =Y discharce, amoll(; other things,

••• 58

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the follow:ing important functions :

i) Troi.ning i11. Bank 1\lanngement of Senior and top level executives from cooperative banks as also for top lev cl. officers from State Cooperative Departments inclu~lg Rceistrars of Cooperative Societies.

ii) Trainers 1 Train:ing

iii) Consultancy1particularly in recruitment for cooperative banks and study of their problems.

iv) Development of prototype programmes for constituent units or affiliates

v) Research in Cooperative Bank Monagemcnt ond problems of rural credit

vi) Production of Tra:i.nir.g 11aterial/Manuals etc. ond Publication of an All India Journal on Cooperative ond Rural Banld.ng which may be called 1Rural Banker'

vii) National level seminars ond conferences on Cooperative Bank 1\IarJDgemCl:t for office-bearers, directors and Chief Executives, etc.

viii) Overall coordir~tiori of training and Training arrangements for cooperative banks.

4.17 In addition to the above, the proposed apex institution

mignt develop post-graduate programmes in the sphere of cooperative

credit and rural banking. The possibilities of introducing

correspondence courses for the e11ployees of the cooperative banks

at lower levels could be explored in the course of time, which

might event~ result in the elimination of a professional

course like c.A.I.I.B. offered by the Indian Institute of Bankers.

For this we suggest the name 'Certified Associate In Cooperative

3~.g 1 (C.A.I.C.B.). This certificate s~ould be given due

recotnition by all concerned including the Gover.nQcnt of India.

••• 59

: 59 :

4.18 While the overaJ.l control might r=in in the hands of

the Colillllittee for Cooperative Training, the day-to-day I:l:lll:lger:lent

might be entrusted tv a ldanaeing Cowmittec specially constituted by

the ComLlittee for Cooperative ~raining, on the lines of the Sub­

Committee on Vaikunth MehtaHutionul Institute of Coopcr:ttive Mo.rul{:e­

ment. The institute should be headed by an eminent J:lO.llQ(;Ellllent expert

in the fielrl. of bunking anCI adequatGly manned by professional persons

on :its faculty. The faculty and other stni:f requirements m:ight be

worked out by an expert group after the ic1ca of havinG an apex

institution us suggested atove hus be en accepted.

4.19 The fUnds for running tho organisation miGht be provid~1

by tho cooperative banks, the State Gove=ents, the National

Cooperative Devulopment Corporation and the Central Government in

a.greed propor".;ion. Th<> deta.i.ls of the estimates of fUnds involved

in setting-up of tho Ir:stitute may be worked out by on export group

of officials from the above said agencies. The AJ..l India State

Cooperative Bo.nks 1 Federation i:iiGht also be kept :i..'1 the picture jn

the ostablishr:lent an.d r'UJlrl..irle of the proposeu in:Jtitution.

4.20 When established, the Natiorw.l Ir..sti tutn o:f Cooperctive

Bank Xila.nGg.Jmt>nt could evolve a nU!llber of suitable programmes :for

the various levels o:f cooperative bank personnQl. lie ei-..u below

a sample of some o:f the i!!lportarrt progrOillllles which might be thOUGht

o:f at the present moment.

,~.21 This, however, is only indicative o:f the roquiremento

and many more pro;:;raJmaes might lle evolved in due c ot=e when the

Institute starts functioning :

••• 60

: 60 :

1) Course on Credit Planni!l(; and Credit Appraisal

2) (a) Course on FinruJ.cial Analysis for Bank executives

(b) Course on FinruJ.cial llanngcm.ent for non­financial executives of higher level non-banldrg (borrowing) organisations.

3) Course on BudgetinG for Cooperative Banks -including perfonrull~e buc1geting

4) Course on Bank Inspection

5) Course on Deposit Ma.n3gcment

6) Course for Development Officers of State Cooperative Banks.

7) Course on Cash Management in Cooperative Banks

8) Course on Personnel WJana€:emcnt in Cooperative Banks

9) Course on Cost Reduction Techniquas_for Cooperd.tive Banlcs

10) Course on Internal Check and Intcr1~ Audit for Cooperative Banlm

11) Course on Financial Control for Cooperative Banks

12) Course on office illUJ.1abemcnt

13) Course on Fan• Management and Guid~e

14) Course on :E'roject Planning and Appraisal including Cost Benefit Analysis

15) Capital Budgeting for Cooperative Banlm

16) Ua.l'l<JGcment of Liquidity in C oopcrati vo Banks

17) Presentation and Interpretation of fi=ial Statements for Cooperativu ~anks

18) ~~ement of Inves~ents by Cooperative Banks

19) Course on Public RclationD for Cooperative Banks

20) Course on rucov cr;:r of Cooperati vc loans

••• 61

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21) Programrae for Joint Registrars/Deputy :de:;istrn.rs 7 Cooporativc Socicti es dro.lin& with Credit and Bnnld.ng

4.22 The duration of the above mentioned progra.::llllcs mi(:;ht

vary betv1een one OJ.ld two weeks dcpcnciin,g on the programme cont~~o

and other re:W ~..nt factors. The dcto.iled nyllo.bi =Y hD:ve to be

drwm up by the Central Agency (Committee for Cooperative Tra.inin0

at present) in consultation Hith the experts in the concemai

Ministries of the Government of India, State Cooperative llanlr.s an:l

the fac,.Uty members of the Vo.ikunth Mehta Kationa.l Institute of

Coopcrati ve !;!anogcoent, Poena.

\7hile caking the above SUGgestions, we u.rc quire· aware that

it ro::1y take quite somo tilac to cJrot"linc the proposal end bring the

institution on the ground., In via11 of this, a.s olso the urgency

with .which the training procraromes have to be o.ccelcratcd to moe"';

the needs of trqincd manpower requircmcnts of the cooperative bonlcs,

we would like to sugt;est that necessary arro.ncemcnts for the conduct

of the above said progr=es may be made at Vaikunth Mcht::l. Natiol13.1

InstitutG of Cooperative llb.nagcrooot, p~mding the establishm.ent of

the above said Institute, However, thin Viill call for strenethcn!..ne

of the concerned departments of the Va.ikunth He>hin. National Ins+,itutc

of Cooperative .Management, ao os to enable it to sh:>uJ..der the

respoll.sibility of evolving the above-said progrOJllliles and conducting

them in an expeditious end efficient r.<u:mcr.

• •• 62

Chapter - V

: 62 :

C Hli.P.rER - V

In a_rzy progrome of tro:i.ni.ng, particularly in relation to

certain speci::ll.ised jobs, practicaJ. trainil'll; is of vitaJ. importance.

Classroom training is helpful in-<J.s-much as transfer of knowledge

and info=tion is concerned. Howeyer, in resp a::t of certain job­

skills for improving operational efficiency in routil1e type of jobs,

as also for inprovil1g managecont capabilities properly planned and

executed, practico.l trai.'1.i.ng is a sine-qua-non, to make the program.c

of training effective and useful.

5.2 In view of the importance of practical trail1il1g 1 we have

tried to evaluate the present arrangel:Hmts for practicaJ. training

of the trainees undergoing Diploma Course in Cooperative Bankil1g at

Cooperative Training College, N"Jadras, which fonm the basis of our

sucgastions and reconmendations il1 this re5ard.

As il1dicated earlier, the present pror:;r3U.lo of practicaJ.

traL~, consists of two phases viz., (~) Coscrvation tour of ~vo­

woeks 1 duration and (2) field pl2.ceiJ.ont traini.r..g of 4 weel::s 1: duration.

The observation tour provides an opportunity to tho participants to

study the constitution lllD.llil{!;emont .me functioning of selected

cooperative institutions, which illcludc the study of the three-

tier structure .of cooporati ve credit 2.nc1 bankinc us also of non­

credit institutions such 2.s marketing, procussing, consUIJ.er, etc.

This is intended to provide basic knowled(;c aiJout the :funct fulling

0f the cooperative credit and banking structure. The study is

condu: ted urider the guidanec of the il••o l..:cturers meant for the

•••

63 :

Diplo= Course.

5.3 The four week field placement t:ro.in:i.ng iD drawn-up and

arronged on the basis of "trail1ing needs of the employe0s undergoing

training. For this purpose an attempt io ma.de by the College to

draw-up honogenous group of 3 to 4 trainees dro.l'm from the di.f:fcrent

groups of :i.ns"';i tutions and dischargillb simil3X type of functions and

they are depu·~ed for field placement tra.ininc to selected coopcra.t ive

credit a.nd banking institutions a.nd other relev~1t organioations,

where they closely observe the functioning of function3Xies with the

help. of a. model job"<:hn.rt. On the baGis of th0 close observation

studies, the trainees write a deto.iled note on the working of the

institutions they visit, which form the basis of asscssr.~ent at the

end of the course, Tlris is done under the supervision m1d guidance

of the lecturers concerned. Out of four weeks, one week is being

spent in the study of the ;·10rking of varioUD counters in a selected

commercial bank local branch.

5~4 ile find that field placement trair.:i.ng is merely intensive

observation and not an a::-rangement for job trci.ning. i·lhen the course .

was formulated, the idea conceivEd of tlris practical training was

that two weeks will be devoted for job traillil1g in selected coopera.-

tive banks and two v1ee!a; in job training il1 commercial banks, llut

in practice, it has been found that the type of job training contem-

pla"';ed could not materialise, because tLe selected cooperative and

ro m1:1ercial· ·b:mlcing illstitutions did not :J.bTee to extend facilities

to the truine~s to perform u.ctual oper::-.tions or jobs during the

prac t :ical tra.ininc period,

••• 64

63 :

Diplo= Course.

5.3 The four week field placement t:ro.in:i.ng iD drawn-up and

arronged on the basis of "trail1ing needs of the employe0s undergoing

training. For this purpose an attempt io ma.de by the College to

draw-up honogenous group of 3 to 4 trainees dro.l'm from the di.f:fcrent

groups of :i.ns"';i tutions and dischargillb simil3X type of functions and

they are depu·~ed for field placement tra.ininc to selected coopcra.t ive

credit a.nd banking institutions a.nd other relev~1t organioations,

where they closely observe the functioning of function3Xies with the

help. of a. model job"<:hn.rt. On the baGis of th0 close observation

studies, the trainees write a deto.iled note on the working of the

institutions they visit, which form the basis of asscssr.~ent at the

end of the course, Tlris is done under the supervision m1d guidance

of the lecturers concerned. Out of four weeks, one week is being

spent in the study of the ;·10rking of varioUD counters in a selected

commercial bank local branch.

5~4 ile find that field placement trair.:i.ng is merely intensive

observation and not an a::-rangement for job trci.ning. i·lhen the course .

was formulated, the idea conceivEd of tlris practical training was

that two weeks will be devoted for job traillil1g in selected coopera.-

tive banks and two v1ee!a; in job training il1 commercial banks, llut

in practice, it has been found that the type of job training contem-

pla"';ed could not materialise, because tLe selected cooperative and

ro m1:1ercial· ·b:mlcing illstitutions did not :J.bTee to extend facilities

to the truine~s to perform u.ctual oper::-.tions or jobs during the

prac t :ical tra.ininc period,

••• 64

63 :

Diplo= Course.

5.3 The four week field placement t:ro.in:i.ng iD drawn-up and

arronged on the basis of "trail1ing needs of the employe0s undergoing

training. For this purpose an attempt io ma.de by the College to

draw-up honogenous group of 3 to 4 trainees dro.l'm from the di.f:fcrent

groups of :i.ns"';i tutions and dischargillb simil3X type of functions and

they are depu·~ed for field placement tra.ininc to selected coopcra.t ive

credit a.nd banking institutions a.nd other relev~1t organioations,

where they closely observe the functioning of function3Xies with the

help. of a. model job"<:hn.rt. On the baGis of th0 close observation

studies, the trainees write a deto.iled note on the working of the

institutions they visit, which form the basis of asscssr.~ent at the

end of the course, Tlris is done under the supervision m1d guidance

of the lecturers concerned. Out of four weeks, one week is being

spent in the study of the ;·10rking of varioUD counters in a selected

commercial bank local branch.

5~4 ile find that field placement trair.:i.ng is merely intensive

observation and not an a::-rangement for job trci.ning. i·lhen the course .

was formulated, the idea conceivEd of tlris practical training was

that two weeks will be devoted for job traillil1g in selected coopera.-

tive banks and two v1ee!a; in job training il1 commercial banks, llut

in practice, it has been found that the type of job training contem-

pla"';ed could not materialise, because tLe selected cooperative and

ro m1:1ercial· ·b:mlcing illstitutions did not :J.bTee to extend facilities

to the truine~s to perform u.ctual oper::-.tions or jobs during the

prac t :ical tra.ininc period,

••• 64

: 66 :

cf banking. This will. help to bring to bear upon tra:ilri.ng their

prnctic3l rnanngomcmt expertise. The geed offices of the State/

District level Coorc'ilmtion Col'lmi ttco cf Cooperative and Commercial.

B:liLl.:s of the area mit;ht cU.so be used for th.o pw:pose to arrive at

such an arrangement. \ihile in COr:l!'Jerci. r.l bru13:s 1 it should be

possible to provide job-training at various counters such as

deposits, bill collection, issue and payruents of drafts1 loan section,

etc. The co=ercial. banks mey aJ.low to perform actuol jobs,

provided the candidates Eig:l fidelity bonc1s as prescribed for bank

eoployees for the maintenance of secrecy of the bankers 1 accounts

and other rolat ei matters.

5.9 The contents of the practical tr3ining in cooperative

banks for t·:ro wee..~s, should be drc.wn up on the basis of job-charts

for.:aulated ·for each individual trainee in the light of his job

descriptions. ~ith the active cooperation of the State C~operative

Bank and a few selected district Central Cooperative Banks, it

sho~d be possible to provide opportunities for actually performing

prescribed types of jobs for the participants. Certain practical

measures ~ have to be adopted on the spot by the concerned colleges,

tho Rcgistr-...r of Cooperatiw Societies end the ID.3J.1.3gement of the

cooperative bru1ks so as to ensure a smooth conduct of ti:e practical

training prog~e without affectiP~ the normal functioning of the

institutions sele::ted for practical tra:i.n.in,;. It may be that, su::h

job-oriented practical. trai.rring progrrunn:c ruey have to be ar:ronged

••• 67

: 67 :

in a llUI!l.ber of select :ld cooperative bankillb institutions so that

there is no over-crowJ.ing in rmy one of thera. Hot oore than 2

trninees rru:zy be deputcl for job tmii1ir.g ii1 one Si.'1{;le Institution.

'ilhile receiving job-orientation tm:in.ing ii1 the selected i .. nstitu-

tions, the trainees will fUnc-tion under the guidance and supervision

of the concerned officials of the selected banks, the overall

supervision being exercised by the lecturers attached to the

cooperative banking course.

INTENSIVE STl'DY IN RELl\TED D'STITUTIOnS :

Besides arranging practical traii1ing ii1 cooperative ,banks,

certain intens.ive studies of other connectlld institu·tions, parti-

cularly to enable the study of linkil1£ of cradit with marketing and

processing, storage etc., as also with the long-term credit

structure, mey be possible. The maj,..11 focus of the entire practical

traming progr=e should be to sharpen the skill and expertise of

the employees which in the ultii:D.atc n...11alysis m:ty enhance their

effeetiv=ess when they go back to their re;,;pective jobs •. Dur:i.IJe

the practical trainine, intensive study of books and records

particularly relatii1g to loan cases, credit appraisal, investment

decisions, arbitration cases, etc., might be cmphasiocd. If

possible, the inspection of borrowin£; institutions on behol.f of

the loaning . .;..i.t, for the purpose of lemling dc~isior..B, micht also

be arran.:;ed, in orde::- to :i.r;:part the skill an.e:. technique of

appraising the bonkability of loon proposals.

••• 68

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SELECTIOlT OF IliSTITl!TIONS AND BRIEFDG FOR PRACTICAL TRAilTING

Care :::hould be taken -~o select institutions iJ.1. such a manner

cy rotation and in the nearest possible area so that much time is

not wasted iJ.1. transit nor practical tra:i.n:iJ.Jg become burdensome to

:J.IJ;I' one of the selected cooperative bru'lks. Before sending trainees

for practical train:i..ng, they should be thoroughly acquainted with

the working of the selected institutions and properly briefed so as

to e!JO.ble then to derive maximum benefit from the troin:i.ng programme.

C.\MPUS PRACTICJ\LS :

5. 12 The group also feels that even class-room trail1.ing on the

caCJ.pm should be more practice and skill-oriented. There are

certain areas, where skill-practice sessions could be· easily

arranged with the help of profoma, books ru'l.d ret;isters, credit and

nocotiablo instruments, etc. In certain areas of the subjects, it

should be possible to ore;anise ~tual d0lllonstration of certain

operational aspects, such as the operation of the ooclc clearing

house •

. MODEL IllU·JY.: :

5.13 It is also suggested that in order to translate the above

idea into practice it would be desirable to sot-up a 1rilodel Banlc'

at each of the Cooperative Training Colleges, y;hore the Diploma

Course in Cooperative Bonld.ng, Branch A:;onts Course, and other

proGr&'l!rles IIJLJ.Y be offered on a regular basis. It is throu@l this

uodel bmlli: that simulation exorcises and slcill...opractice sessions

concerning tho various operations of the b3I'.k could be iqparted

••• 69

I 69 I

to the participants. Th8 d.:tails of the r:~odcl bw.k my have to be

worked out on the basis of those existing o.t some of the Sto.ff

Tro.ining Colleges in the corru:10rciol banking :ooctor. We understand

that it will cost something between Rn.S,OOO/- to Rs. 10,000 to set-

up a good model bank with oJ.l its paraphernolia.

USE OF JQ~:ITED I300K3 ll.liJ3 !G:C ORDS

5. 14:::n this connection, we olso suggest that tho Collcg c my try

to obtain and maintaL~ the audited books, registers ~1d records

relo.tint; to State and Central Coopero.ti ve J:lai1ks, v1hich may be helpfUl

in the realm of practical exercises. In particulo.r, the training

il'l Book-keepine and Accounts could be mude olmost perfect with the

help of books of accounts and auJited financial statoQo~ts, etc.

After giving a few 1e ssons in the concepts of book-keeping and

accounts, it may be possible to frnme oxercisos ~1c1 probloms on the

basis of these audited books of accounts to te ,;ivcn to the pc.rti-

c ipants for practice.

5.15 Sirnilarly, practical exercises in the preser.tation and

interpretation of filn.10i.ol statements ratio analysis and funl s flow

analysis, etc., could also be possible on this line. Similarly,

pro.ctio:Jol exercises in rcgo.rd to c1eoling with the credit nnd ncco-

tiable instrunents such as pro.ctice of crossir1g o.r__d endorsement of

various kinds and their ioplications, could be I:Ja.<le possible in

practice sessions. In this way, many otl:er zr.cu::;urcs and devises

could be thought of and evolved froo the experience of the teaching

Zaculty Vlhich is expected to apply their lilinds constantly to this .

••• 70

: 70 :

issue and develop ways and means to IDBJce even the class-room

trai!ling wore effective by imparting tlle s=s in the actuaJ. live

<:it mtiens.·

BACT ICAL TR!l.lJ'ITITG ASSESSHENT •

5.1G 'ile also recommend that perfonnance dUJ.•:i.Il..g practical

tra.:i.ning should fom an important basis for assessment ~f perfor-

wance of thG trainees before pnssinf; out of the college. We

suggest that equal weightage may be given to practical training

just as a full fledged subject and 100 marks n~cy be allotted for

the s(l)lle. Further, we suggest that 50 L'mxks may be allotted to

viva-voce based on practical tra:i.nin(; and study visit notes.·

••• 71

Chapter -VI

. : 71 :

CH.U'rER - VI

Tea.c!J.ing/Tra:i.nine; Techniques and · Trainine Materi~s

Ali effective prograa.1e of cooperative education and trn.ini.n&

is the sine-quo non for the sound devdoprJ.e,lt ot the cooperative

movencnt. The effectiveness of training in its turn is, ar.Klng

others, dependent upon the effoctiveness of co=unico.tion between

the trainElr's and the trainees at rehtiv~ higher l.C.VGls~

Teaching/Tro.:i.iiing Techniqms, therefore, have ansur::ed great

importance iri the realm of o:rzy training progr=te and cooperative .' . .

training is'no exception.

6.2 .As indicated _earlier in this .report.,. the teo.chir.g faculty

at ·coo.pcrativo Training College, Madras ;J,dojlts a number of teaching

techniques during the course of the tmir.ine prot;I'OJJ[;!O. The =in

atilOIJ6 them include group discussions, panel discussions, syndicate

study, assignment study, secdUl;l.rs 1 debates, SJ~osi~, book

revie-Ns arld quiz proGrm;1rn.e, etc. 11. chart sl10wing the use of various

techniques at the College is enclosed o.t a.tUlOJUre XI.

6.3 In practice, llowGver, there sec::ts to have been greater

dependence on the traditional lecture Llcthod, clthougb. the list of

techniques stated to be adopted at the coll~e app=s to be quite

impressive. \7hile efforts should be made to make these teclmiqucs

LlOre effective, we would like to oU{;gest [,Teater er-rphasio on the WJC

of the most effective of thor::..: But ·o.t the same tine, we should like

to point out that the content is oorc ir.r;;rtont than the technique

and the effectiveness of the technique will, to a great extent, 1c

••• 72

: 72 :

·dependent upon the quality and the effoctivencss of the cant mts

of tho pro,srel;nes and the ability with which it is imparted by

teach:i.nt; faculty. In other words, sound lmowlcd.;o and experience

on the part of the teacher is tlw t:;rcatcst prerequisite for

cffecti ve use of n..tJY teaching technique. The tccl!.niquc1 it should

be not c.'C11 is not a ·substitute for the content. The content and

clari'ty of ideas an.d thinkinG, on the part of tho trainer, coupled

with the expression and delivery throuch the mcchanisn of appropriate

language, understandable and intclliGiLlc to the t~~ecs, to a

great extent, will dctenninc the effectiveness of various tcchbiqucs,

which m:i,ght be adopted to effect the tr::l.l1Sfor of knowledge and

C:>.."}lorience f:rom the trainers to the tr:::.inecs.

· 6.4 It should also be noted that techniques arc not an end

in themselves. They arc orily ucans to enhance tho cf:fcctivcnesa

end utility of training in any profcssion:J.l prot;rar.mo whore

development of knowledge, experience and skill is intended. However,

it is conceded tl-iat the adoption of Juoclern tcclmiqucs, particularly,

in an adult education and training pro[;r~:nc, increases the

effici=y of teacr..:i.n(; or training. In view of thl.s 1 any . .

progrD.r:lllle of ac1option of l!I.Odern teacllin[; techniques should be . .

constantly reviencd and :i.!.l.provem(.!lts effectoc11 so as to 'ensure

thn.t only tle uost appropriate tcclmiques rcnain in usc and the

redundant ones arc dropped. The; techniques arc, thorof0re 1

:i.nportant in-as-much as they expedite rul.d accelerate the learning

proc<Jss in an effective =mer and wii:tllout l'lonotony of the teclious

proccr:;s of lear:rl.ng 0

: 73 :

6.5 In· our opinion, greater emphasis should bo laid on partici-

pa.tive tochniqoos which encourage the involveracnt and respomivcness

on the part of the trainees such as group- discussions, seminars,

syraposiums, role plays, debat£ s, assi(l;naent/casc studies, quiz

progr=es, etc. Even und0r the lectura metliod, the last 10/15

minut0s must be dovoted for a. question-a.nswor session which rn;J.y help

in findinG out how far the lessoll8 have been ass:i.r:rilated by tho

students. The use of black-boa.rd also for the lcctw;c method and the

system of boa.rd s=nry is considered important. J..s fa.r as possible,

the lecturo should be preceded by the fiistribution of synopsis of - - -

the tallc and list of reference booJr..s or ma.torials to cnablo prior

study and initiative for disoussion on tho part of the tr:Uneos. In

soma of the areas of the eubjeot, suitable charts, flannel graphs or

_ diagraras, etc., could be developed and used as aid in teaching,

po.rtioularly, to supplement a.nd sup"port the looture method. This

ma.y, perhaps, help in making the lecturo a more effootive method of

t0a.ching under a profesGiouaL -kainil~ progru.rillleo

6.6 While preparing courso plu.r1 itself, it 110uld be bette:r if

tho faculty lists out various topics of tho syllabi bo covered

throu,').l various techniques and the SDJlle is scrupulously followed.

From time to title, tile calendar of co\U'ses c.nr1 lesson plans so

prepa.rod, should be reviowod and revised in the licht of the

experience gr:dnec1 in using th0se teol".niqucs for the ooverage of

various topios.

6. 7 In case of group discussions, it would be appropriate that

spc-cifio problci:IS are selected well in o.dvn.nce when the trainees join

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a particular session of the course. Tho selection of the problem

should be done in consultation with the tra.iJ.1ees so that the

problcJJS haw direct bearing on tiwir jobs and field situations in

which they work. Reference books a.11.d lllD.terials and personal

guidance should bo provided to the tra.illees before they come

prepared for group discussions.

6.8 Similarly, live case situations might be collected from

the Coope=tivc Banks which could be used as the basis for organi­

sing role plays, etc. During their lau1. period or gap period, the

faculty members should be asked to go to the field, visit selected

coope=tive banks and collect =terial to prepare cases for use in

teaching the vo.rious llla!l3gemcnt aspects and the problems faced in

the day-to-Qay managcnent and adwinistration of the cooperative

banking organi::;ations. Case method of teaching, therefore, is

cf>nsidercd very important. The steps towards collection of field

data and infonnation for the pre:fQration of cases, may also mark

the beginning of consulta.ncy work at the College level for

comparatively less complicated local/regional problems of small and

medium coope=tive enterprises, which may be suito.bly linked with

the Central grid at the apex level.

6.9 To improve their technical ability.of examining loan cases

ar cases involving credit appraisal, in-basket progrOlJnes on the

lines of those adopted at sone of the Staff Training Colleges

visi. ted by us, such as the Staff Collego of the Indian Overseas

Bc.nlc, 1hclras, might be adopted. To make this progr=ne effective,

the faculty Vlill have to develop a number of cases which will

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be included in the in-basket pro,;r!l.!!lL!es, whicn WJ.y co o. long wo..y in

!i.cvelqp:i..ng the critical fo.culty of the employees of the bonks ond

their ability to handlu nctual loa.'l. cos us when they go beck to their

jobs.

6.10 We also feel that deoonstra.ticn ~1cthod night be used wi-~h

great advantage in sooe of tho areas. For cxo..oplc, vrork:ill5 of a

clearing house could boct be explained by orcanisjllb the dcmonstr:~.-

tion of o. Clearing House which, in a way, vii.:'..l also tanto..oount tu ..

role play, depicting tho rolos of the fUnct~Qnarivs involved in tho

operation of a Clearing Housu •. This demonstration, if properly

structured and executed; will he]p not only in cx,)la.ining tho

technical ospGcts which it will be very diff5cult to tro.nsmi t in

abstract terms ~y merely explaininG in words, but also in givine a

clear-cut picture of the cnt:i.re operations tu be tuldertaken by

various functionaries in certain operational areas. 'ilc 1 therefore,

consider it very ioportc.:1t that every Cooperative Training College

or o..J.y other traininG organization undurtakin[; tho tro..in:irle p ro.:;r(U;1:w

• i.'l cooperative bonk manogen•.mt nhould continuously build up as IXlZlJ

cases on o.i:tw.l field si tuationn on various a.n;J oots of ll!Ll.IlaCemcnt

as pos:.;ible, so as to enable daJ;~onstration and role-play mcthod3 to

be very effective techniquos of training.

' · 6. H As already sua;ee;tGd earlier, v:e do consider that the use

of Model Bank for conpus prxt ical training is ver;; important. Th,is

will be an i!iJ.portant tool and techniquD of prxtical training, while

the trainees arc undorgoil.1£: class-room train:in.:; at tho C0lloge~

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6,12. We think that the provision of ~dcquatc training mat~;L.aJ.

of proper type to the trainees, particu.larly, during the period of

traini.ng at the College may go a long wcy in mald..ng the training

more effective and useful. This is neccssar,v, particularly, when

the Cooperative Br.nY.s have not devclopecl their ovm ma.n.unls nor

standard text-books denl.ing with various practical subjects are

avo.ilablc except in general bankiiJg law and practice and cooperative

ba.."lkins. In the absence of manual or ¢des or ha..'ld-books for the

practical c;uidance of the employees of the cooperative banks, when

the:y are brought to the college for instituticnaJ. t:roin:i..ng, it is

ess.:Jntial that they a.::"e provided with adequate teaching materiaJ.

which mey help in easily e.eeimilatillg the knowledge and techl'liq,ues

imparted to then dur:i.ng the tra.inille period, as also their usc for

reference in the post-training period vrhen they go back to their

jots. lie would like to emphasise here that tho State Cooperative

Banks =y, in course of time, devcl.op their rill.lld-books or guides or

=uals to be provided to their employees for guidance in day-to-da;y

operatiODS. The cooperative trainir€ organizations may assist the

State Cooperative Banks in preparing such manuals or hand-books,

Guidance from the Ree;ionol Offices of the Agricultural Credit

Department, Reserve Bank of India, might also be obtained' Wherever

the State Cooperati w Banks have their rule books or manuaJ.s they

should be conti.!'l.UOusly reviewed, revised and kept upto date.

6.13 In this connection, the Committee for Cooperative Trainil'lg

can aJ.so play a very important role in bringing out suitable text

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books, manuals and other reference mater:iAL in inportant regional

languages, besid.::s English for the usc of the trainees during the

tra:i.n:i.ng period. This could be c1one out of the Revolving Text-Book

Ful1d placed at the disposal of the Coaper.J.ti ve Trainir.g College by

the Government of India. Such text-books and matcri::il brol.{;ht out

by CoiDini.ttee for CoopGrative 'i:rainine as also other rclavant books

might constitute the kit of core-boolcs which could be provided to

each of the trainees c1ur:i.ne their tra:in.ing period. At tho end of

the course, these study kits containing core books miGht be returned

so that t!:J.ey cOuld be made available to the subsequent batches of

trainees. In addition, a list of reference book:J and mat eriru.s l:l:i.c;ht

be prepared from time to time by the faculty members or thrcugh the

specially organised workshops en preparation of training material

for courses in cooperative banking and provid"d to the p:J.rticipan<;s

for their guidance, so that they could make uac of this list for

selecting books u.nd literature for their stl.AC1y c1urin.:; their E'tay at

the Colle.ge for tra:i.n:i.ng as also to acquire useful ones for the

· libraries of their own inst:i.tlitions.

6.14 In tho absence of suitable books and literature, the

importance of providing synoptic notes or lecture notes to the parti­

cipants need not be over "mphasised. Each faculty member should

prepare synoptic notes on all the topics of the syllabus and as far

as possible provide them to the trainees well in advance before

delivering talks. If possible., at periodical :i.nt c:rvals '•7ork:Jhops

could be orcan:i.sed so as to prepare model ~::ynoptic notes to be

circulated to all tho Colleges whore the Coopcratiw :&l.nkinc Courses

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are conducted, which could be period.i.cnlly reviewed and ro..,""ised to

keep it uptodate.

6.15 as euggested earlier, Cooperative ~~ilng College,

conducting the courses on Goopc::rative Bn;nk Manaeorricnt, can also

have arro.nt;ements w:it h the nearest State Cooperative Bank or

District Ccntr::ll Cooperative Bank under which live case files could

be available for study by the faculty met1bors and the participants

with the help of which lmowlodge and tt:clmiqucs of processing loan

papers and other rclevan~ cases might be imparted effectively,

?•16 It may be ::Usc· useful to have arran;:;et1ent with the

Cooperative B~1'Jlm under which audited books of accomits and records,

financial statements and audit reports of cooperative banks, mic;ht

be available to the Collece for use in practicaL troinine on the

campus. We aLso suggest that practical :rrobleUJ.S ruld exercises may

be constructed on the basis of actuaL books of accounts and records

ru1.d proper solutions l!'ay be devclopcc1 w:1ich nic;ht be used success­

fully to ~part practice-oriented traininG during the class-room

trainini; itself.

6.17 Ass~nmcnt studies could be eot prepared on certain

specific issues and probler:JS of the :field with the help of the

truinees when they go to visit cooperative brul.ks and other concerned

or:;anizaticns. Well prepared assignment stuc'.i•:s, involving criticaL

ztudy of field problems, might be maintained in the college library

o.i'tElr prcper editing etc. It is .felt tllat such well prepared

assicnr:lGnt studies ro:i£ht aLso be usecl as teaching aids for subse­

quent batches of trainees. Suitable write-ups ru1.d scripts could

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be pr'3pareci. by the faculty members in consultation v:ith senior o .. ml

e-xperienced executives of coope~·o.tive banks for the purpose of ro::.c­

play, etc. During their gap perioc'_, the i'o.cU::. ty mec.lbcrs should und~"'­

to.ke inspection and audit of selected coopcmtivc b::u-;ks in con~·llta­

tion with the authorities concerned and the model reports em;..mtinc

from the same, might be ::..lso USC!d as teaching material f:>r tramces,

6,18 We are of the vie;/ that the rul&s, bye-laws anc1 ll'an=ls

alrc:ady available v1ith the: coaperative bw-..2::0:>1 the respe-ctive rc ·i"'"'S

must be obtained o.nd got bound t:> be kPpt in the lib:::"".J.l'".f for ro:"ereH~·

o.nd guidance of the facU::.ty and trail::e'3s. This must be kept t<rt:x·at'3.

·The Central Agency should arro.nge t? .oupply to the Uooperati w. ~·:-nin-

ing Colleges all the reports ['nd ci1'<,ul[',s rcl:::.ting to Cuoperc·;-;.vu

and .Agricultural Credit issued by the Govcr..nen-~ of India; Re&i s\"'OI'..J

of Cooperative 3ocieti.os (of the a--:m), R--3crve Dnrk C'f India, S-l;a';c

Bank of India, Agricultural Refinance Corporation, At;ricul tu:mJ

Firnnce Corporation, State Cooperative Ilanl:s anc1 othcT co!1cerr: Xi

organisations, which must be maL1.tain.ed by tl:~ librnries in a

systematic manner.

6.19 In vi ~w of the abcv~ con::d.deratiom, wo feel :Wcl::.UeC: l':J

suegcst that the faculty !l'embers Lmst draw up cOI:.plete c-:i!.. en::la). r.f

their activities o..rrd prog:-OJllllles for every co!:!pletc nc~icmic secsi'Jn1

so tho.t their worlc pertaining to t~·aini.ng activitias, o.snJ.ip'JL1eHt:::,

field studies, preparation of oases anl other te.ao!.::ng r.ntcriaJ:;, c-';c,

is regulated in a scientific =d systec."-tic rnnner. The =tteJ'

regarding preparation of teaching =teric~ and their effective uce

should receive greater attention of the centra:'.. ag•mcy for

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organization, plar,ning, direction and cooroino.tion of training.

The present efforts are considerud only sporadic and need to be

fully systE=tis_ed to fom an integral part of the entire scheme

of training.

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Chapter - VII

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Cfu\.Pl'ER - 'V'II

Evaluation and follow-up

Evaluation and follov;-up is an osscnti:ll aspuct of orzy

trai.n:i.ne proer=co Tho main components of an evaluation system

arc : laying down tho objective and criteria or bases. for o.ssessinc

tho performance of the participants in the tra:in:inc proc;rwmno Which

they undergo, tho evaluation of the traini.nc prO(;I'ailL'le by tho

participants themselves, tho post-trainine follow-up of the ox-

participants a."ld tho feed-back to the train.in{; orcanization about

tho problems and offootiveness of tho trainil'JG :imparted, so as to

measure the overall achievements of tho tra:inine proci'!lJIIIIleo

7.2 In this connection, we ho.vc roviev1.:.d tho prusent system

of assessment of thoJ tra.i.neos 1 perfo:rmcnce. Tho a.ssussment of

the trainees' porformn.nco und0r the prm::ent patt"m of the proeramme

is done accord:ine to the modes of assessment proscribed by tlD

Committee for Cooperative Trc.:i.nine. Tho basis of assessment arc

as under :

1) Uri tton t cst-clid-t erm and enc1 of Course cxacination.

The weighto.e;o as between the mid-term and tr.c final test

diffors from subject to subject and ranees between 1 1 2 to 1 1 3.

The assessment is ma.de under four main honda :

1) 1/ritton test

2) Practical tra:i.n:inc

3) Co-curticular o.ctivitiCB

4) Viva-w ce

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The allotoent of rr.arks is not u:n.ifo:r:m in respect of subjects;

y;hile 50 =ks ho.ve been allotted for subject no. 1, 100 marks each

have been allotted for the other three subjects. Practical training

lms bee!1. given adequate weight age and out of 650, 150 =rks have

been al1.otted to it. Co-curricular activitiec and viva-voce

ex<J.Ulir..D.tion have been ~:.ssigned 50 =rks each.

7. 3 I11. order to be declared successful, a c::u-;c1idat c must

secure 40 per cent in the agcregate. Those v:ho secure 65 per cent

or above are categorised as excellent, from 60 to 64 per cent are

catP.gorised as "very good", from 50 to 59 per c mt as "good" and

bet':;een 40 and 49 per cent as 11 fo.ir''. The successful candidates

are n:.varded a Diploma in Cooperative Bo.nking under the seal of the

Conmittee for Cooperative Training. Those securir~ below 40 per

cent are categorised as 'poor' and are not awarL1el1 the Diploma.

The rules of assessment also pe=it a per.son to reo.ppaar at any one

of the two subsequent e:iaillnatior>.s in case of failure.

7.4 Yle ho.ve ex=i.ned the present s"-st;em of assessraent in the

li{;ht of our diScussions with the faculty, the evaluation reports

of tr~ees, the replies rcceive1 L~ this respect to our questionna-

ires, as also our discussions held with the executivro of the

cooperative tc.nl~s. To our question -whether the present sycrtem

of evaluation is satisfactor~'"'? - most of the participants have

replied in the a:Lfirmative but a few of tllem have given certain

suggestions to iL1prove the present syBtem.

i) the participa.11.ts ruust be asked to submit papers on at least t,-/0 topics during the training ]:Briod;

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ii) pa.rticipams should be .:;iven pr--...ctica.l tests o.nd questions aske:l which have bearing on practical/operational asp€Cts;

iii) enplo;;crs should be persuaded to give financial incentives for t:roined people for good per-fonno.nce durine traini.ng; o.nd

i v) more marks should be assigned for pr::J.Ctical aspects of train:ing o.nd less marks for written eX<.llllino.tiou.

7.5 We ho.ve looked into various aspects and objectives of

assessment of the trainees 1 performance ani ho.ve come to tl~ conclu-

sion that the =in approach to the assessment of perfom=e of the

trainees should be directed tauards a syster.J. of continuouo testing

of inprovcments in understanding and ability o.nd pr::J.Cti.ca.l perfol'-

m=c.,, instead of trying to test at the end ·as to how much crornmine

or learning by rote vms done clurinJ the train:i.ng ancl produced in the

answer books. In vi G'l of this, the entire ~ystcm of conductine

examination, fr=ing of question papers, etc. wjll have to be properly

oriented. We, therefore, su,:;e;-est that fomo.l ev:il.uation of the

cam1idates may be done only in case of the following courses o.nd

not in respe:::t of the short-tem job-orierrted courses or Refre:lher

Courses :

1) Dil'lo= Course il1. Cooperative n.nd Rur:il. funki.ng

2) Diploma. Course in Urban Cooper:J.ti ve Bar.k:i.nc

7. 6 We also do not envisage any fo:mal e-valuation or test in

respect of tlr short-tem prog::JL-nes in bnrJ: r:nn:~;encr..t for br=h

agents and for the mmior executives of cooperative bn.nlcs. However,

we clo not rule out certain ilLo:rm.:.J. system of asses[;L!ent which may

be designed by the training orgn.niso.tions t!-te:'1Selvcs in a suitable

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manner. In c!l.Se of progr=:e s where: forD.::J.l teEt:> will be hold,

we rec owwtcn1 the award of Professional Diploma whooe status

should not be less tho.n that of the c. A. I.I. L. avmrdcd by the

Indi:l.n Institute of Ib.nl~ors. For other shcrt-te:rm progr31!JL:i.es

merely certificates of attonding the course rmy be issued to the

pn:rticipwts.

7. 7 In view of this 1 we suggest that th esc Diplor.J..'l.S may be

properly reco¢::;ed by the Sto.to o.nd Cor•troJ. Governmants for the

purposes of employment in tho cone crncd r;ove=lCnt depa.c'"'tment s 1

cooperati w bo.nks as also the rural branches of nationalised

coDJDleroial b8.nlcs and other public sector or. State: partnered

relevant unc1crtakilJZs. ~he cooperative. bo...'1.ks should mrum provision

in their rules c.:1d bye-law8 1 mn.lcing this 1 profession .. 'l.l qualifioa-

tion 1 as an essential condition for confi=tion o...'1d promotion

tc higher rWlks. 'iie strongly feel tho.t unl03s this Diploma is

given the status of a. professional quo.lifioations like C.A.I.I.B.,

much :inporto.nco !llny not be atta.c!1ed b:r the e;;!ployers ru1d the

m-:~ployc as in the sphere of cooperative credit ru1d rt!I"'<.>..l banking.

'ile also feel that introduction of this profc::Jsional qualification

mn.y go a lor.g wey in helping to professionaJ.iso cooperative bank

manneoment. This will help in creatinz o.nd developing P.I'Ofessional ------cadre of rural bankers which we consider a 'must 1 for the deveLop­

mont of institutional credit for rttr-ul economic activities a.nd

expnnsion of I'l.lral banking, 1'he rules of the barks sl:ould

invariably provide for a. proper a.nd suita'ole finru1Cia.l incmtive

for outstru1<li11g perfon:u.."lce during the training period. Provision

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of certain awards of medal for achieving distinction should be made.

!lleasures may also have to be evolved at various levels for proper

plac EI!lent of professionally qualified personnel.

7 .s ll.s to the modes and bases of assessment, we sugeest that

___ instead of a mid-term test and end-of-course =ni.nation, there

ohould be fortnightly forool tests during campus tra:i.n:Lne, Cllding

v;ith a final written test before the close of the course. The fo:roal

:fortnightly tests may consist of one ·hour paper in the three

subjects of tho syllabus. The valuation or mark:ll'JC of anawers may

be done on the basis of 100. ll.s l:lltween fortnightly tests o.Irl

the end-of-course u."'romillation, we suggest weightac;c of 40 and 60

per cent. ll.ccord:ingly, while f:i.n3lisillg the assessment at the end,

the lli3J:'ks obtained might be converted into porcenint;es according to

the abovG said woi.ghtoge.

7.9 \ie attach great import::mce to test, the practical ability

acquir<Jd and developed during the t:ro.ining period and hence to the

testillg of per£ort=ce in this aspect of the trainillg p:roeromme. i7e

have sq; eeste~l, thor.:Jfore, that practical train.inc !f'.D;1 be allotted

-"100 m=J.r.s in conjunction with a viva-voce exuni.nation of 50 marks,also

based on practical trainL"Jgo VIe also suggest that 50 marks be awardecl

under tho head co-curricular activities, etc. The basis for test in

respect of practical trainillg will be the supc:rvisor1 D report

obtained from tho cone erned comnercial/cooperative b::ml~ where ;lob

training WiiB arranged, o.s also tho report of the faculty [:;Uide. The

assessment in terms of marlm may have to bo done in consultation with

cone erned faculty neJ;,ber::; on the basis Of thil above said reports. In

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respect of oo -curricular activitiea, we succest that 25 marks out

of 50 mo;:r be av1ardod for the perforllll:lr.ce of the trainees in the

claas-room, in the :.;ctli.nam 1 dobatos 1 de., anc1 the rcn:rin:ing 25

=rka for extra curricular a.ctivities 1 partieipM;:Lon in culturdl

procrnml.7l0s, etc.

7.10 l1.ccordin[; to tho above, tho follo11ing 1:1ode of assessment

is recoJUrrt(:ndocl :

Heads of asscs8lllmt ;Jitl-tero test

1

1) Wri ttcn Test

Subject ;:o. 1 -Cooperative and Rural BankinG - ~rineiples

and Organisation

Subjuct !Jo. 2 -Cooperative and Rural Banki..l'l(> - Operations · and 1\lanCJG em e.."l t

Subject Ho. 3 -Cooperative and Rural Bankil1g - Administration and Accounts

2 ) Practical traillil1g

3) Viva-Voce

4) Co-currie ular .a.ctivi ties

a) Class-rooLl p crforoancc1 scmil=s1 debates 1 assi<:;nrJont studios, library, etc. (2 5 narks)

b) Gener'ul b:lhaviour, apti­tude, participation in cultural progromLlcs, etc. ( 25 =!'lal )

2

40%

4ofo

F·in.cl-test Total

3 4

6o% 100

60% 100

100

100

50

50 Gr8..!."1d Total 500

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7.11 In order to be declared successful a candidate must

obtain 40 per cent in the aggregate. We suggest tint in order to

motivate the participants, the system of cateeorisation should

cent :inue to be followed. The trainees securilJg 60 per c mt and

above shoti!-d be placed under first-class; those securing between

50 and 59.0 under Second Class and those securing between 40 o.nd

49 per cent unJer third class. l!'urther, the system of awardinc;

distinction in individual subjects, 1Vhere a candidate secures 70

per cent and above marks, should ol.so be introd<J.ced. Co.ndiclo.tes

declared successful should be awarded 1Diplo= in Coopero.ti.\e and

Rura·~ Bank:ing 1 which should entitle them to be professionally

placed at par, at least Vlith c.A.I.I.B., and the candidates lmvi!lg

achieved this Diploma should use after their names 1C.A.I.C .n. 1

(Certified Associate in Cooperative BonkU1g). \lhile awarding the

diploma, the class end the subject of 1Diatinction1 should also be

recorded on it. The Diplo:na is to be owarde:l. under the seol. and

authority of· the centrol. ogency in control of the entire trainUJg

progr=e•

7.12 The candidates securing less than 40 per cent in the

aggregate should be declared as 1failed 1 , but such unsuccessful

trainees should be allowed three chances to reo.,:.Jca.r in individual

papers in which they have failed to secure minirr.um pass marks which

should be fixed at 40 per cent iii each subject of written exominn.­

tion (This is not applicable to the heads of assessment under

practical training, viva-voce and co-curricular activities. The

failed co.ndidates reappearing c.t subseq1,;,lillt exar~11ation privately

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should secure at le:ist 200 marks together Ylith rJarks alrrody

obtained .in practical training, viva-voce and co-curricular

activities in the original end-of-course examination. The suggested

node of a;,;,essrnent ia enclosed at n..'lllexure V-B.

7. 13 '.1e attach great importance to introducing the sysm m of

post-tra:Uling follov1-up. The tra:Uling orgn..'1ization and the

Cooperative/Cornm.erciol Danks or State Cooperative Departments who

are the eraplo YJ rs sponro ri.nt; their employees for training, should

be primarily responsible to ensure proper placemoat of trainees

after training. This will ensure proper utilisation of trained

personnel. This will be in keeping with thP dictULl 11 right man for

the ri~oht job "•

7.14 The train:i.nt; orGanizations should uevise proper measures

for contacting the past trainees dur:W.r; the post-trair.i."lg period, so

as to Jmov1 their problElllS and their effectiveness in regard to

-perfomance in thdr jobs, from time to t:Une. This will help in

instituting a systeru of feou-back .in tile whole mechanisn of trainine

n..YJ.d help in the i:nprovement of future tra;niJ.1g progratnr.~.es. In

this connection, we suggest that, among otho:cs, the following

neasures mey be tried:

i) Interview 'f the ex-trainees by faculty me r.Jbers or ·trai.'ling adnd.nictrato rs from the Central Agency;

ii) ?orn~tion of ullum.'li. assoeio.tion and their periodical confermces or functions to discuss comnon problems of trainiiJc and allied rJD.tters; and

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iii) Survey of ex-trai..'1.ee::! 1 perfor.nrmce through well designed qumtiotm:J.ire to 'Qo filled in ut prescribed·:i.ntcrv::Us by the spo11soring ore;aniza.t ionn, controlling of:Cic e:r;s, a.s o.lso by the ex-tra.ineP.So

7.15 Yie are o.lso of the ·view that the present system of evo.lua.-

tion of the train:i.ng progr=e by the trainees at the end of the

course through a well desiQ.led questionnaire should continue. If

necessary, the questionnaire mcy be got reviewed o.nc1 iJ:Jproved in

consultation with the Vaikunth Mehta National Institute of Coopera-

tive i•bnagement and t!1e Central ag8ncy. The finclillGJ, conclusions,

co=ents and nuggestions made by the participants while cvo.lua.t:i.n(;

the r,rogramm.e at the end should be seriously taken, criticc.lly

e;xaminod and follow-up action to.ken at appropriate levels. These

should be kept in vif}{l while planning 11he future t=in.ing progr:lrnmes.

••• 90

Chapter - VIII

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C !J'J'TER - VIII

Infra-structure ~~ other facilities

For successfUl pla:mi.ne and i;~plenmtation o:L the progratmles

rcco=cnde~ by us in the prccedirl£; parnt;l'aphs of our report, it

would bCJ necessary to create adequate infr-J.structuraJ.. facilities

and nnintain them in good condition at oJJ. stages of dcvcl.opment of

the traini.ng progr=e• This will involve initial capital cost as

also recurring costs on a rather increasing scale. But as pointed

out earliCJr, cost should not be a deterrent factor in the develop­

ment of training programnes which is increasingly realised as very

important input for faster economic devoJDpmcnt with stability and

social justice.

8.2 In fact, no Ll!llount of economic planning will help the

overall economic devclopment1 without beinc ir~plenented through an

efficient machinCJry comprisir.g of highly :okilled and efficiently

trn.:in.:K1 and motiv-.J.ted man-power. In fact, we have come across

staeg0rL~ statistics in rceard to training costs. In some

developed countries, it has been generally accepted that a minimum

of 1 per cent of total wace-bill should be set apart by all

orc::mizations and agencies <me:Jt.ied in econow.:ic activities anl I:J.ore

particularly in general econorr:ic development of a nation. In view

of thio 1 we also emphasise that the cost of training for cooperat iw

bank personnel or as a matter of fact any personnel in cooperative

sector, should fom an intccral part of the fiilD.ncial outlays

provided in the Fifth Fi w Yaar Plax for cooperative development.

This is in recognition of the fact that tra:i.n.:i..'1[; of cooperative

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personnel. is not sometllin£ as an appendix to the scll.:ne::; of

cooperative development, but a v'ery important, essent:iD.l elancnt

of the entire development process. ·Hence, it shoua.d not be treated

in isolation and matclri.."lg contribution of i'unds nu::;t be ma.cle o.t all

levEl.s of pla.ruling, if the pace of development has to be maintained.

In the absence of adequate provision, the tr:llni!Jg pro[;rol:me is bound

to suffer from lots of deficiencies and rrm:y not be o.ble to o.chieve

the desired trained =-power so e::;nential to carrJ out the plans of

economic development.

8,) We have thought over this aspect from various stand points,

more particularly keeping in view the fo.cts that while bal1king is the

central subject, cooperation is il. State subject, Of course, recently

the Banking Commission recommended that coope~tive credit and banking

should be transferred bo.clc to the concurrent list, ma.cle a central

l)ubjeot and broucht under the perview of the central Registrar. From

tll,l these points of views, we consider that involvenent of the Centml

Government and State Governnents will have to continue so loll£: a.3

the Govenl.Went o.im at planned economic developJl0Lt of the nation,

pu.rticulal'ly Vlhen cooperative credit and ban.k:i.ng has been adopt e:.1

as a very important inst:ruraent for mo..x:i.mun institutionalisation of

agricultural nnd rw:o.l credit.

8.4 However, the involvement of benct'icinry organizations and

agencies such as Cooperative Ba.nk::; is not ru,lec1 out, altho~h the

nattu-e, the extent and the patterns of involvement IIUl\{ have to be

dete:nnined in the light of their respective rcspon::;ibilities, the

degree of their capacity and th:: stage of tre ir. development and also

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the need for faster rate of grovrth1 po.rti.culo.rly in the areas where

the proe;ress ho.s been slow nnd not so sutisfn.ctor-J•

8.5 In this connection, proper location of the prog=es

SUGgested o.nd provision of adequo.te ph;),sico.l facilities have

reo eived ade'luo.te attention of the group. ':lith a viEw to have an

iclea about the fn.cilities provided at the training o:rgo.nizations L'l

the cor.l!llcrcio.l bDllk:i.ng sector, as also in cooperative sector in

some of the States we po.icl visits to some of the trci.r~ institu-

tions. I!:!portaat among them are Staff Training College of the

Indian Overseas l3Dllk 1 Madro.s 1 Staff TraininB; School of the Tom:i.l

Nadu State Cooperative Bnnk1 s. P. ::Jnn!cers Tro.:i.n:ine College, Bombay

and. a few.other::;. As regards the location, we have already

s~eested tentatively that the course at Cooperatiw Training

College, .Madras should continue on the· revised. pattern and mey be

further exto.n,dod to other four Colleges nnmely Cooperative Training

. Colleges Patna, Raj pur· (De!U'::ilun) 1 Indore ru1c1 Nagpur. As ree;arcls

the National Institute of Cooperative :i3a.rl.k Mannc;cment, we would

suggest that it may be centrally located at a su.itabJe plaro either

at Delhi or Hydcrabad.

8.6 However, before taJr..:ine n.ctu!ll decisions to locate different

colleges, £or extension of the diplom course, certo.in fn.ctors must

be looked into. ?irstly, the State Cooperative :Oar..k and the State

Cooperativ•' Depo.rt:1cnt of the area shuuld agree to collaborate and

cooperate in tho csta.blishnont and the conduct of the progr8J:IIlles.

They should be in a position to share the f:i.nanc ial rcspo~.sibil:i. ty

as wcll 1 in an oereed proportion, althoug.'t we do emphasise that

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the ranin burden of the f:i.nances both in respect of capitol. run

recUl"Ting .costs mey continue to be borne by the Central Government

as a part of the Central sector scheme. At present the cost is born

to the extent of 100 per cent by the Central G<lvcrnoent, as the sche

of cooperative training is covered under central sector scheoc.

s. 7 To start with, the beneficiary cooperative banks 1!1£\Y at

least ngree to .bear a part of the cost of traininc, as for exomplc,

the expenditure on T.A. D.A., of their coployees deputed for

training. The cooperative banlm of the area. or region to be served

by the college where the progro.;:.1!lles will be conducted, should be in

I

a position to ensure deputation of adequate number of coployees, 1n

a phased manner for which the Development/Training Officer' 1n the

cooperative bc.nks should prepare a five year plan well in advance

so as to feed the col:j.ege for a ru:i.n:i.m.um p cried of at least 10 years.

This is in vie1'1" of the fo.ct that the introduction of the additiono.l

programme at the Colleges mentioned above will involve permanent

coC!tlitruont on the part of the college in respect of establishl:lent

cost and other allied expenditures. The cooperati-..e bc.nks of the

area should also ngrec to octi wly collaborate and cooperate 1n

dmwing up calendar of courses, courGe pll:mn, execution of trainirle

progr:::unmes and assistance in resp oot of o..I'l."'O.llbitle joo-truin.ine 1n

the selected institutions. They should also ngreo to IJ.:l.ke suitable

changes 1n their rules and bye-lru'ls to ensure proper recognition

of the Diploma, proper placc11ent of the trained personnel as also

suitable incentives for good perfoll!JDJ.1Ce of their eGployecs durine

training.

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3.8 In rcc;nrd to l!::l.tiornl Institute oi' Cooperative Bank Manage-

mont we SU£;t;cct tlmt this my be a centrally sponsored Ua.tiona.l

level Apex Insti tuto for the eooperati \e and rural banki.ne sect~r

for the devclopmLlnt of cooperati\e and rurul bc.rilcilJC an a whole. It

Vlill constitute the nucleus of the entire tra:i.nin[; programme from

where, overall a.cu.dcmic Guidu.nce will radiate throughout the train-

ing complex for the concerned sector. Administratiyely this

Institute will be under the Central At;cncy for plaru.ll.nt;, orgunisa-

tion and direction of the tra.inill[; progrDJ:]J;les. Al-t;hougll the major

part of th<:;. cost, both capital a.nd recurril.Jg, w:q_l have to be borne

by the Central Gove:mment, we visualise that the State Gove=cnts 1

apex cooperative banks and even =tionalised co=ercial banks c auld

provide finaroial partnership in its cstablinhw.ont and functioning.

The o.ctivities of the Institute will have to be governed by a

separate constitution of its own ::JPprovcd by- a coopetent authority

in this reeurd.

8.9 It is nececsary that all these organisations Vlherc the

prcgr::uill"iles will be conducted, should be provided v.-ith adequate

buildin03 1 physical facilities and amenitic;s 1 so as to create a

congenial attaosphere to allow smooth al1.d efficient conduct of the

training progr=es. The arrangeLlents for holtlinc classes in

properly well equippec1 accommodation as also for hostel, staff

quarters, etc., should be adequa.t,uy Ludc. As fn.r as po:.;s ible,

the location of ,the buildincs should be on one conpus in view of

the procr!lLll:-tes beinc residential in character.· There should also

be adequ::J.to provision for tutori::J.l cl~~sc~ gr·oup 1· · ~ ...,, - . t.~oouss~or.s,

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sGmi.ru:J.rs o.nd debatGs, 0tc. These c.ctivities shoull not be allowed

to suffer for Vlo.nt of uccol:'nodution of proper type. It go(lS

without sayint;; tha.t ri:;ht type of furniture choulcl b<3 provided

both for thG conduct of classes, lliscu.ssions, etc., as al:::o in the

hostels, so that th0 tmi."leos while away from their horle<s, o.re r.udo

to feel at homo during thu traininc period. l'rqJcr messing o.rro.nc()­

mGnts for providilJC boardinG facili tics, etc. 1 b1u.:Jt follll o.n

important integral part of the provision o:i: physical facilities o.nd

necessary rGsidential ar.J.e!ri.ties. It is also neccsGary in the

interest of progr=cs that propt:r facilities :Cor eo.mGs, sports and

other kinds of o.ppropriatc recreation are adequately provided on

the car.J.pus. This is, hov1cver, only indicn.tive of the basic requirG­

ments o.ncl tho dGtails rr.n.y have to be v:orkod "Ut lJy the 0~ tral

Authority in charge of training prot_;ro.r.111es o.nd tho concerned

constituents~

8.10 Cot1iug to the ucn.der.llc facilities ·a<J do cnplw.sisc th.:J.t the

success of the progr::u;1:acs will dGpcmd r:o:inly on the qu.ility o.nd the

standard of the faculty to be proviC\ed by t!10. central oecnciy for

conJucting tlH:m. At present the Cor:ucittce for Coopcrat:i,vu Trn.in:ine

has sanctioned. only two posts of lecturers in tho usual sco.lt: i'or

lecturers for the Diplm:w. Course in cooperative bmll~int:; conductod

at Cooperative Tra.in:ir.g College, tlo..UroGo Yle; foul that this faculty

strength is ir..aclequat3 1 particularly, ke; c;pil'JG in v:..ew tho need to

undertake further e;...-po.nsion ar.d ~Jtrmc;-tl<oni:v; of the prc . .:;ro."11::e. './c

feel that the faculty str->!1£;th should be incre;uscd fran 2 to 3 D.l1d

provision for a tutor to be in chart;e of the 'I.:Odcl Eo.nk 1 sueccstcd

-J:or <:s'tLlbli:::lu.tcnt o.t oacL of thE: :lour c olle. :e:o, ,,;lr::·c tr'c1inin.:.;

•.. ••• JG

: .96

The tutor Jn.'1Y be apYJointed in the seal<.> which is equivalent to

Senior ~I'cchnic::U Aodstnnt in the C<mtro.l Government Org:lnizations.

As v1o have alrca:ly succest0d elsm;i,orc, tho toacltinc faculty should

be drorm i'rom appropriate sourc<:s such as St2.tc/CcntraJ. Cooperative

Da:..il::n, State' Cooperative DcpartBcnts, u"ndertald.l1C:'l under the State

o..1i.c1 ·c cntro.J. Govarnment or even from tho c a·,u;,orei::U banks with

proper bock~round u.nd expericncco Broadly, we suu;cst that the

Co=orce or its equivoJ.ent v1itll adeq1.12.t.o c:-,:pcrience in tho field of

banldng 1 cooperative credit o.nd ruro.J. bankinc 1 ctc. They should oJ.so

possoos professional qualifications in the field of bankinc o.nd

allic•1 subj cots of tho syllabus, o.s a rcsul t of certain trainine

at appropriate levels, profc::robly with tcochinc/trainirJG or research

experience. The teaching faculty may be put through regular staff

development procrawmos syste~;J.D.tically pla.'1!1ec1 well in adv:mce, so as

to koep them abreast of tho latest devlllopnc!'.ts in the field anc1

d Rdop their professional stnndarc1n. This ;.13(/ include Trainars 1

Traininc Procr=:e s at tho propos c;d Nationo.J. Inoti tnt e of Cooperative

8.11 The recruitment of tho faculty for tho National level

Institute will have to be rcgulat,:;d in aecord£mce with its own

rulGs but tho concerned authorities will have to ensure that tho

Institutv is r.JLUUlcd by eminent experts in various arons of bu.n.1r

r:w.no.gcnent, research and COllSultaney. Those ore, hoHev• 1r 1 some

broad indications and tho details of the faculty re(juironcnts =y

have .to be worked out before o. decision is tnJ.wn for the establish-

• •• 97

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mont of "the Institute. It mu;:;t be hcac1ec1 by n.n e::U.nent expert in

the field of bank I:l!l.n.':l&e~a .. mt, with o.dcquate tr::d .. nil'l{; n.nd research

experience.

s.tz Althouo'l tLe major responsibility for plo.nni.ng n.nd conduc-

tin.g the proc;r[l!Il..mGs will rest v:i th the rec;-ular fo.cul ty 1 tro.inirJL

insti t...ttiot1S m:xy draw upon the field expertise throUGh invitil'l{;

guest lecturers from the State Cooper'ltivc B::mks1 nationalised

comncrcial bc..nks, State Cooperative Departmcnto, concerned depart-. .

ments of Goverm:tent of India, Reserve D::u1k of India, State Earll: of

India, Stat<J L::u1d Devclopmen·t Banks, Ac.;ricultura.l Fincnce CoJ1)oration

n.nd Acricultural Refinance Corporation, etc. · The cletailed toi'lllS

and conditions goverrJ.irJG the gm st spcakurs LJUY lmvc to be laid dmm

by the Central Accncy.

8.13 As su;;cestcd earlier, we reiterate aco.in tlre necessity of

. osto.blishil:l£ 'IJodcl13anks 1 at all the trainil1G orcanizo.tions where;

rocular prograL1ElOS of training in cooperative and rural bank:i.ne will

be offer .:.c1. 1 lilodcl Bn.nks 1 will be provided 11i th proper bonkinG

counters and other accessories so ns to t;i vo o. sci:!blance of o. bank.

Further, it will have to ~Jc fumishoc1. ·•d. th uodel books of

accounts, rocisters, records and fonuo, etc. Proper cquipmcnts may

.also have to be provided to enable sruooth operation of 1model bo.nk1 1

which will function under the char.:.;c of a tutor WlP wa.U.d be respon-

sible to iJ;J.part practical tra:ining in various b~:in;3 operations, . .

while the trainees Hill be undcrgoinc: clo.s;;;-roo1a trainirl£ on tho

campus.

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8.14 The libraries nncl r.oadinc roo;-:JS attached to the coopera­

tive traininc orcanizations ruay.tavc to be adequately equipped with

books nnJ journals (includine professional journ.als) on the

subjects nnd, fro1;1 tille to tille, all latest publications on the

subject concerned muGt be systeLlatieally and regularly acquired to

enrich the same.

8.15 In addition to the standard reference bool;:s required, a

number of standard tc:ct;-books should also be acquired and kept.

'II e also sua::;est that provision should be made for waintaining

suitable 1 study kits 1 consistinG of certain 1 core books 1 to be

selected by the eoncerned faculty, with the consent of the central

orcnnization,. to be kept in tho libra1-y1 for the usc of il"ldividuaJ.

truinecs. The said kit will be returnable at the end of the course

as indica.tod curlier.

8.16 The rcadi.nc r00111 facility should be adequate and all

profo3simlal journals on the subject, in addition to tho journals

rclat:Lnc to ecuoral cconouics and allied subjects nnd cooperation.

Trcinine institutes should ::tlso develop proper information rooms

furnished with charts, mps and graphs ru1d other usual material '

indicating relevant information on various aspects of banld.ng,

cooperative credit a.'"1d rural b..'lJ:lki.ng and allied subjects. The

details of these mey be worked out by each of the colleges.·

8.17 The usc of au<'io-visual aids such as f:ilms, :::trips,

slides, flannel graphs, flash cards, etc., is also considorod

very inpo:ctant aspoot of cquipmcnts, nocesaa.ry for ntik:L'1g class­

room trnil..inc narc cffccti VG particularly on infollllationaJ. and

•• • 99

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operatiorllll aspects. Every trai.n:in.:; institution should be provided

with proper audio-visual cquipounts and suitable filn~, strips, and

slides which should be uscu as adjuncts to the lecture r.c thod,

besides occa.sional exhibition of educatiom.l filos. Grod\Uilly the

entire teachinc faculty should acquire necessary traininc in the

use of these equipnonts, so that they can usc them in thc:ir usual

scheme of lesson planning and tcachinc with the help of propur

demonstration of it1uas o.nd info=tion throut;h the audio""'V'is\Uil

aids. In due course of ti::1e, the c entrol accncy mn.y also cons :idcr

to provide the services of qualified artists/technicians who miGht .

look after these equipmcnts and also um1erto.ke the preparation of

visual aids under the <;uid:mcc of the teachinG faculty.

8o18 We also consid(;r that the provision of adequate course

material for each of tho proc;rox-.ocs conc1uctcd is ioperativo. The

type of c our:>C oat erial we have alroo.dy indico.tcdo

8.19 ll.s the participantn will be required to pay frcqumt vi::Jits

to local coopcro.tivc/cornercial banks onc1 other connected inst itutionJ

for study visits or pr-J.Ctical train:i.n{;, it is necessary that c~ ry

traininG institution has at its Jisposo.l a r:d.ni-bus or o.t least

station wa,;on to provic1e quick transport facilitiJil v;hich is

consiuered nocessa..ry for cfficimt and soooth functionirlt:s of the

programe.

••• 100

Chapter - IX

: 100 :

CF.APrER - LX

Sum;unry of Conclusions and Rcco=enllo:i;ions

1) The DiploLn Course in Coopcrativ0 Bank:i.r>-e being conducted

at the Cooperative Training Collcc:c, lliadraS', has been cons:idered

only as foundational nature t1.!1d needs to be followed by spccia-

lis cd proc.;rru:uncs and job-orient eel course::; for the dcv clopmcnt of

specific expertise, opcr~tional sldlls OIKl manncc~cnt capabilities

of tho officers o.ncl ernploycos of tho cooperative banks, as the;r

t:,row up ond occupy positioruJof Jri()wr rcspon:::ibility in their . organisations. The cnphasis, thorefor~J, has to be on iJ.'lpart:i.rJg

creator profcssioruJJ. outlook to tho entire p::::ocramme of training.

It would be bettor to bring bnnk-c~::ployecs to the trainine

organization over short spells, at pre per periodical intervals,

to undergo well structured proc;r=>cs of continuous training,

directed t'owarcls consta.ntly improving their profcssioruJJ.

efficiency a.ncl mruL."\CCwont competence. Durinc tho entire service

career, everyone of the emplcyous should lill'iU at least 3 to 4

opportuniti cs or oven e;reatcr to tmdt:rco tra:i.r>-i.l'lc; under various

procrnmrucs. Besides provic1li1G job-orientation programmes after

tho foundational course, tho c.:x-trali1ccs sho1ucl be brou.:;ht to the

trai!'l.i.nc orccu1izatior. at o.n interval of 3/4 yco.rs for a Refresher

Proc::::=c to orient thuo in tho last dvvclormcnt. This calls

for a.n overhaul ond radical chw\_;c in t!w OVC!t'all pattern of training

procr= s (pni-a 2.12).

2) Despite a satisfactory overall utilisation of tl1e training

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facilities at Cooperative Training Collc:,_;e, l,.a,lrau, t:1e utilisation

uy distant States hns !lOt ueon upto the r.url:, bc:cc.•.mo of vo.riouc

eonatraints : deputation of canJidatcn to tllo !10!ll'CSt Ei,:;her ::JiplO!:lcl

in Cooperation Com·~e by the banks in :oone ::Ir<.:~nc, lonG dist::mce of

the place of traininG, personal ::mel family conciC.cro.tions on the pa...-;

of the bank staff deputed for trc.inin(; (para 2.14).

3) The hctero~;enoity in the coopositio" of t:1e tr<...ine..!s, as alec

the variations in the level of employees ac1mitted to the present

Diploma Course, adversely affeet0d in :i.r.tpr:lYlnc; ~lw ).Jrofe.osiol'll'l

stanc1o.rrl of the Course. en order to r.1aint:il! c. hi:.)1 ut.:mrlm:d o:Z

professionnl training and 1nn.ke the c curse r·.::nlly specialise'', iv

v10uld be necessary to regulate the adi:lisuions in a m::-.nnor as would

be conducive to bring homoeenoity in the ccDl"'Osi'vion of the pa...-tic:l­

pants in every session of the course, both :i.r.1 tc:1~;,s of the level

of U!1c1erstanclir..g, the nature of their jobf' 1 as c.bo thdr runks i.n

the cooperative banks. This vtill be, p-:~rticular!.y of t;reat s::..;:nifi­

eance in the job-orientation CuU.l'ccs an.~ prcf'Js:::ion .. 'l.l L~e1:1en1

proc;rawmen for vario•..lS lev~ls (pc:c·a.s 2.15).

4) In orcler to helJ; in building up profe,o::;ior;al cadres :Lor the

eooperati ve banks in a very lo~ienl and cffecti :o Lur:n..,r, with leas~

wastage of the traininc. r·c:sou:rces, it ·,wulrl L;:; nccesr::nry tho.t pre­

training job-experience of 6 to 1<. nontiJ;:; '.-c~·oro C;'icU.::;sion to the

Foundatiun Course and rrior trainin:; in t:>'3 Dil;lo:.n Course or so;ne

other bo.sic course in coo_..~ero.tion, hcl'c~:·o o.rcts~:ion to h:!._:J1cr job­

ori ent:J.tion prot;ra.."J.De.3 and. alva.ttce pro Q."'OJ.:u:.-~cn o:C .:c'!:'c.:i..njn_:, is

insisted, so as to ensure c step-by-::>tep t:;.·,-;;;.n:i.;"IC (;'ara 2.16),

...

102

5) Con.sideriJ.1G tho srocinliscd nnt;;re of the procrn.cne, the

pre8ent capacity of 40 s.:)e;as to Cc) on o. little lli:_;her side and it

1'/0uld be c1c8iraLle to limit the nWi!uer of particip::u1.ts in each

se::;sion to 25 to 30 (paro. 2.17)•

516.;. offices of tLo coorcr~:ti ve banks spread tllrou,.;hout the ro ~:IDtry

is vcrJ ir:Picnificant; hence a hut:;e bo.cklo(; of untrained personnel,

A laree nur:~ber of branc11"'s have also to be s·~etrted by the coopera-

tive n.J1,1 t;1e nc.tiono.lised connercinl b~;:,.ks in the context of tho

preoont bCIIllcine policy. It is also f.clt tllnt even those ei:lployccs

Hho have roc ci vod sooe ::;ort of tro.iniJ."JC, need further job-orient cd

ilro:_;rn..Jncs under hichly spocio.liscc~ professiona.l courses. The

pace also at which the Glil,~loyo<.Js would be rec1uirccl to bo trained

will lmve to bo rather f~ster. (para 3.3).

7) The train:i.J:lc pro'~-x<lr:n~ s have, ti1ereforc, to be struotur od

in the lic;llt of tho hiornrchy of internal structure of onrl:JE,enent

of cooporati ve barJ;o, the heavy untro.iJ.1eG. bacl:lo:::, th c need for

fnst p rofessionalic;ation of !'l:illar_:eclOrrt, 8.8 also t~1e requir monts

neccscitatad by the proposed expnncion clu:l.'i.l(~ the :f'iftl! Plan, The

pro:.;rD.li~'lcs 11ill have ·to be dcsi.:.;necl for the follm>i.'1C levels :

1) I:hnoeeL<ent Orientation of the Directors inclullin;; ofi'ice bearer::;

2) Orientation of Chief Exocutivoc in :Cn.nl;;: Mo.nnce~aent :for senior cxGcntiws

3) Sp,;cinlisecl TraininG Pro,;ranr.1es in JJanlc i';Iarl.3Ga~lillt for senior cxccutivcn

4) ?otmdo.tion and Arlvanecd CoumciJ for ,,Jiddle lrJvcl or interu10dia.te lev·al officr.;:'S,

... 103

; 103

5) Job-Oricn:;ation Pr(Jc:ror:L'les for niuc:loJ :>.nd ju11ior l9vel officers or proba~iot1'U"J o ffic orn/c,:ulc..c_r,.a:_-rent t-rainees.

6) Routine Tro.in.in.:/Job Tro.inin.::.: .Lor uubo::\'.i­nate c: 1ployous sue b. as clurical cadre, etc,

The~·e is, therefore, a n0cd for uxp'l.l.:.sion cf the exi3tinc tr:rinin("':

facilities o.s also its di-versificai;j.on (po.ro. 3.5-G),

13) (a) The tro.ininc ncec:s of th'l e:1ployccs v1o~·kinc in coop=-

tivc banks in various rec;ions of the countq require o. little

different orientation o..n:l di:~fcrcnt e;:1ph::.si::: in vim of the rccion:i'.

di:o>parities o..nd inba.lo..nccu, the stC{;c of dc;.:lopl::,>nt of the

cooperative credit structure, o.s also of edumtior,al facilities,

difference in practices o..nd procedures o..nJ -~he l3.1.1Q.to.(:c differc:1Ccs,

The CLl;:Jloyee::J co..n deriv0 better benefits ii' t!1Jy o.re trained throu..:;h

the mediUL1 of lo.neuo.ce VIi th which they arc familiar o.nc: throuch

which their ba.'1kl!1[; ::>rt:;o..'lizo.tions o.ru worl:in.:;, ~he Diploraa Course

in cooperative '1ankine o.nd rmral Bn.nki:l[; in Hs revised fom my be

conducted, to stru.·t with, 0n :1 zonal bet:::is Jn tho :L:~portnnt ru:-ions

of the countr-y, ThG Coonerutivc Trainil1<; Collot;c, llmlrets raay servo

th~ Sto.tcs of A--.l<lhm, Korc..la, !.!ysoro Cl!L'. Tnnil !·Jo.du, T;lo Diplona

Course in itu revised foriLl :T:~.y :Jc oxtenc1cd ·;;o the Cooperati\C

Trainine Colleec e, Patru. 11Licll r..ay so1vo tho S ;d·.;s of Assahl, Bihar,

Orissa, -\lost Bener:U, Mnnipur, S' d.pura llild o-l;iJo:: ua::ztcrn zona E;:Jnllor

States :md Union Torritorics, Another coarso ncy tc locat crl nt

Cooperc.ti vc Trai!'lin{; Collece, Re.jrux(D.:.hra(u_;.,.,) w:,ich wny servo tho

Stctos of Uttor Pratlosh, Delhi, Jo.w:m nr1u Kcdmil·1 Hinnch:J.. Pradesh,

Punjab o.nrl l!aryrun. The t1ain:i.LJC. oou:c::::;:, for tho ·:rostorn rc:...;ion I:t~y

...

104

be lnl'!c.t'-C. at urr· 1;e:r::l'Live TrainirJG L;nl1cc;~, Indnre at1l way serve

tJ:::~ Sta,t;,;s •'f 1bjc\sthc:n, r;ujGrc.t nnu !bJhya Ir!ldesh. In view nf

laru"r trainit1t~. requir'-'tn'"nts anJ ht.o.vy untrc.inul b:J.()klrg "I the

l\bLar~.sl:tr"- St.::tt: 1 the Filth l• urz"' L<D.,J' b0 l"cate;J at D.B..GaJt;il

t;r .. ~(;rr:.tiv>J Trninit)f; c;nllc:::gG, :TatJ)ur.

(b) Er-;·:it::vcr, tht.; l··rc.tion rD.::J.y hc.ve tn be finc.list.;d in ~·"'OOl...i.l­

. tati"' n :_-.net f!~~,llo.L·· ratir~ ,-l .,,,~th the .:.plX ~"'"per8.tive banks. "r.nnP.erned

nftC;r enSUl'in; tk>.t t;he; bo.nkc pr"vicl" all kinc:is "f su:'P"rt inl'.l uJing

fiLl ~"in.l (in ct,rL:Ld vr~'<P'"'rtin n) .':L~lJ fully utilise the tr:.1.ini Q;

fa,.,iliti~s (po.ra 3.7).

9) An Indu,..tinn Training Prnc;r21~r:1e my b c Mndu"ted f"r

indu,tin:,: the nc:w e ntrc.nts in th,· servir.e nf """perativ~c banks whir:h

will intrrc:une the n0w t:r:,~·l"y<-es t" the ,.n,.,;:cr:ttivc: ml"lVCI:J.tont in

t_;Bnl:r::tl ~\r.Ll: ~r.·-'pLrctive barllc and their jnb-trainine.~ in partinular.

~he ;oin r<'GI-"'n::;ibi:l,ity f.·.r sunh prnt;rru.1L'18S ;:1ey rest with the

reGJAf''tiv" Stntc li""'J'C:rc.tiva Be:.r.icG vntilin th.o are::. •'f their l"lperatil"lns

c.nd th8y L:E.y du&itcnat" til~oir D0V8ll"ljJU.ont liffil'!er nr r:.ny othe:r sc·nir,r

nffio<;r W3 n Training O.fi'ice;r & in M•lition to his duties .oey arrange

f·'"'r io:lu~tlna tr~nlt.l[; r'lf r.1<;::"i.' t.!T~-=---~r~t· l-·"' th .. :·.}.'•.:-: E--.f~ ·: .. ell S.8

o.i'fili: ___ tc:d ''t;LTtrc.l bnr~~s.. Tl1c:~- P.lc.y nnnoult tht nt:.nrl:st u.~·''j_H;rative

Trnininc unll05(:; .fnr -~heir e.s:JiGt3.n,.~c. in plcnning a.nJ. tFln..:..u~tiL\;

sut:'h f.IV"'&rc..r:lr:J~B. ·;,'he rever j su,...h arroCillge~.:tnt.s dn n"!t exist,

inJu.,tir> n tre>inin.t~ .,.·ulJ b" o.rr::trl(;<Jd at th" nc;n.rest (;nnp<-r::ttive

~rrc.itlic.lg <Y'llct,;c r,r J·uninr VC;n.tr(; o ·:rLere sh,...ulc~ bl: nn rigidity

~bnu t th~ clur':ltion, cnnte nto nnd r:1c. th0dnl"gY nf il1du<:tinn prngrrJll!:.lC

(pn.r::JS 3.9-10)

•••

: 105 :

~0) The cor;posi te training procrnnue oi "ti1c r.ri.clcUe l<Jvcl

employees may be ~plit up and iLlpa!tcrl into !:"No st::cc::;. i'he fit'f,t

CooperativE: u.nd Rural. :Gu.nl:ini;) of 12 \'rccl::s ,1 iYi~1e:1 into 8 weel:s of

theoretical t:::-airl.inc and f:Jur Hook:; cf prr:.ctic::D. tTai.I' .. irll;• C:he

se~u1d stace of trai:lir<; rJcy comprise of an AclvanccU. Course h1

sive training. \1hile the ~1 focus uf ~h2 first ::;t::'..{;e l"':J:Y to or ..

during the second zt::Jge it ma;,- :11:1ve to b6 or. tl;c: IU!:ctions ~nd

decision-mnkil1£; skills o.'1.d al.Jility for ~:,uLhncc ~.n1 sup:n:...,-1.3i.on ..

The inter::;per3o.l of the Diplonu Course i!l Coopetativc n.nc1 RlU·cJ.

Do.nl::ing D13.Y be n.s inc1ico.tetl. in !JC.ro. 3.1:r ( P::l"C·'J.G 3. ·12-·j3).

tile co:1tents of the p:!.•ese!<t s;yll.,.bu:~ :1•1crl ~uLsic1eralJlc ck:u1i:e in til·

topics to bo covered and their re.:Uier..t.lC!r'~...:. Kec;p=-:1._: in viw·.·; ~...l•c.

unc1erco the Diplc.= Course a.::; W.so tho r,er: jolJ-::-oqr'l«.ibility in

tLws to co:m;, the syllabus iz restructu:reJ. n.s :Lollrms :

Subject

Subject II

Su'Jject III

: Coop6ro.ti ~ :Ul.c1 Rur:i!.. :23r!lc'..llf Oporc.tions 02.1.:1 11r.l.Yl.D£:"ODclit

: CoopGru.tivo awl. Rm·EJ. :::~.nl::ir~~ • Adc.iD.istro:ticn r--.11d l~.cc ou11.t ir..:.~ •

~0 pcciod3 100 r~:-;

•••

106

( r::110 s:,~ll:J.bus is enclosed :J.s DJ'l.ncxu.rc VI ) •

12) The Urban Cooperative Credit and Bunkii.l£ seQ:lCnt of the

cooperativo raov•.::u"nt has witnessed u pheno4lellnl crovrth anc1 expan-

siOH anu is culled upon to play an :lmporto.n-t role in tho sphere of

sr..all inductrics1 hou::::ll1g fina.nco and :::elf-e!,;ployr.Jcnt aetivitico

to accelerate the puce of socio-cconor:d.c objcctivos, But trai.n:i.ng

scc:ms to 'cave played insit;n:i.fi.cant role in its uevcl.op1aent. To

start wi t11 u :Diplomo. CoLU'::;,·, ii.1 Urban Coopc:mtivc llam1i11g of 12

weeks duration uay be conducted along witi1 the usual r-rograr.Jmes at

tho seloc to d Cooperativ o Train:l.rJe Colleces - comprising of eight

weeks of class-room tro.ining and 4 wccko of pructicnl training in

which greater cmpha::;is nill be given on bo.llkir.g operations relating

to Im1ustrial Cooporo..tivc:s 1 Smnll Senlu Int. us tries and self-el2lploy-

mont activitio:::. Dosidos tho employees of Urban Cooperative Banks,

tho Sto.ff of the Cerrtrcl Cooperative Danks v;orkin[; in their

Industrial Finance Section as uloo thooe of tl1e Industrial Coopera-

tive :Sanks m:i.eht also be adm:i. tt.:d to ti1is Coun;c, i11 caoe no

soparnte job-orionted Courses are available :ll1 tlL.;_G area, The courc

Lny haVI.l th 0 follow:L:c tl:rec subj cots :

Subject I T.'rba:" Coopcrati w JJankinc -- p . . 1 d 0 . -50 rlllc~p cs an rcm~zatio~

periods 100 marks

Subj cct II Uruan Coopcrati w Danld.J:Jc Operations anl. !~mcnt 50 periods 100 marks

Urban Coopor~.tive Bc.nlcilJG Subject III - J\dJ;J:i.nistrat ion and Account:; - 50 p t.rioc1s 100 marks

' ~ Th:: subject-wise syllabus is :;iven c.t mulC:>..-u.re VII )

(Paras 3,16 - 20),

••• 107

107 :

13) Ilmnch ;.Irina~; or is the kirl(;-pin of brNJ.ch r.Kur.,:;<£~cnt nm1

expansion of br:u1chcs by the coopcrati w h:ui::.o; he:,Joe the ne:cccsitJ

il.:tprovc: -:;;,cir op~Crat ioa.:.l efficiency, rl:UJ;.'.::;c.::lont ar.c1 su.po :>:"Vi:::ory

Llanc.[;or:cnt L"D.Y be conc1uctccl ~t t!1" 5 ;;on~~ Coo1Jcro.ti vc Trnininc

Colleges vthcr~:·e the Diplor:J.o. Course :in Cocr:crc.tivc ~:.nn}.:ir.~..: '.Vill U 1

( The G~'llubus is ..:n-::J.ose•l at rr.mc,:t.ll'O \'III) (!'~:cas ::;.21-23).

H) It is envicuced that c.l1 tr.ose r;J1c have t<.l1J~Jr._;c-n.; tho

Foundation Coursa or the 5:--m1ch Aconts CouE c n~1oL8.ci o(; e:l.r'.bluct to

attend the Refresher COW'G•.S at D!l int cn·::J. <Jf ,-.bm:t 3/4 :t .J::JXC. :;:!u'

course will lay ~a.._d . .n cnphn.s is en lo.t ust tr~~nr:.ls :::.11~'- clc. vulc pr;1c11t:-' : n

( PurQ.D 3 .24-'~5 ) •

bank perconn(.;1 de 'lOt p:::ovicie :Jh~r+,-·,;c:r;ct O.HU ::;pocj.::("Li:.;crl ~ob-ori.mtucl

1 • . 1 t 1 . "1 . ' . 1 . ' ~ t' continuov.s y c..e·.--c-lupet: · o l'J.llrt e ·~nc JO .. s c.~:.::~.:._-n0c.;, uo Ll~~l.

fo1loY:inc two \'/Jeks joo-oriJJ:.'tc.d oon::.-:Jcn r~; ·~,.3 coEckctt-:1 [..t r·ll

•••

107 :

13) Ilmnch ;.Irina~; or is the kirl(;-pin of brNJ.ch r.Kur.,:;<£~cnt nm1

expansion of br:u1chcs by the coopcrati w h:ui::.o; he:,Joe the ne:cccsitJ

il.:tprovc: -:;;,cir op~Crat ioa.:.l efficiency, rl:UJ;.'.::;c.::lont ar.c1 su.po :>:"Vi:::ory

Llanc.[;or:cnt L"D.Y be conc1uctccl ~t t!1" 5 ;;on~~ Coo1Jcro.ti vc Trnininc

Colleges vthcr~:·e the Diplor:J.o. Course :in Cocr:crc.tivc ~:.nn}.:ir.~..: '.Vill U 1

( The G~'llubus is ..:n-::J.ose•l at rr.mc,:t.ll'O \'III) (!'~:cas ::;.21-23).

H) It is envicuced that c.l1 tr.ose r;J1c have t<.l1J~Jr._;c-n.; tho

Foundation Coursa or the 5:--m1ch Aconts CouE c n~1oL8.ci o(; e:l.r'.bluct to

attend the Refresher COW'G•.S at D!l int cn·::J. <Jf ,-.bm:t 3/4 :t .J::JXC. :;:!u'

course will lay ~a.._d . .n cnphn.s is en lo.t ust tr~~nr:.ls :::.11~'- clc. vulc pr;1c11t:-' : n

( PurQ.D 3 .24-'~5 ) •

bank perconn(.;1 de 'lOt p:::ovicie :Jh~r+,-·,;c:r;ct O.HU ::;pocj.::("Li:.;crl ~ob-ori.mtucl

1 • . 1 t 1 . "1 . ' . 1 . ' ~ t' continuov.s y c..e·.--c-lupet: · o l'J.llrt e ·~nc JO .. s c.~:.::~.:._-n0c.;, uo Ll~~l.

fo1loY:inc two \'/Jeks joo-oriJJ:.'tc.d oon::.-:Jcn r~; ·~,.3 coEckctt-:1 [..t r·ll

•••

107 :

13) Ilmnch ;.Irina~; or is the kirl(;-pin of brNJ.ch r.Kur.,:;<£~cnt nm1

expansion of br:u1chcs by the coopcrati w h:ui::.o; he:,Joe the ne:cccsitJ

il.:tprovc: -:;;,cir op~Crat ioa.:.l efficiency, rl:UJ;.'.::;c.::lont ar.c1 su.po :>:"Vi:::ory

Llanc.[;or:cnt L"D.Y be conc1uctccl ~t t!1" 5 ;;on~~ Coo1Jcro.ti vc Trnininc

Colleges vthcr~:·e the Diplor:J.o. Course :in Cocr:crc.tivc ~:.nn}.:ir.~..: '.Vill U 1

( The G~'llubus is ..:n-::J.ose•l at rr.mc,:t.ll'O \'III) (!'~:cas ::;.21-23).

H) It is envicuced that c.l1 tr.ose r;J1c have t<.l1J~Jr._;c-n.; tho

Foundation Coursa or the 5:--m1ch Aconts CouE c n~1oL8.ci o(; e:l.r'.bluct to

attend the Refresher COW'G•.S at D!l int cn·::J. <Jf ,-.bm:t 3/4 :t .J::JXC. :;:!u'

course will lay ~a.._d . .n cnphn.s is en lo.t ust tr~~nr:.ls :::.11~'- clc. vulc pr;1c11t:-' : n

( PurQ.D 3 .24-'~5 ) •

bank perconn(.;1 de 'lOt p:::ovicie :Jh~r+,-·,;c:r;ct O.HU ::;pocj.::("Li:.;crl ~ob-ori.mtucl

1 • . 1 t 1 . "1 . ' . 1 . ' ~ t' continuov.s y c..e·.--c-lupet: · o l'J.llrt e ·~nc JO .. s c.~:.::~.:._-n0c.;, uo Ll~~l.

fo1loY:inc two \'/Jeks joo-oriJJ:.'tc.d oon::.-:Jcn r~; ·~,.3 coEckctt-:1 [..t r·ll

•••

: 11C :

9) COUJ.'Se on Personnel 1\!n.naGcmcnt in Coope:rn.tiw Do.nl~s

· 10) Course on Cost Reduction Techniques for Coopcr~tive Banl:s

11) Course on Internal Check ond Intcrml Audit for Coopcr~tivc ll~nks

12) Cource on Financial Control for Cooperative Il~l'lks

13) Course on Office Edl:J.U6GD'.cnt

14) Course on F= Assistance a::ctl Guidance

15) Coursa on Project "Planni.nc o.nd Apprmsol including Cost-Benc:::it nnolpis

1Ei) Cotcrse en Capito.l l3uclgeting for Cooperative Ilur.2cs

17) Courzc on l.~n..'106GI~cnt of Liquidity :L>:. Cooperative B~1ks

1G) Course on PNsotJ.tatinn nncl Intcrprot~tion of Fino.ncio.l Stat emcnts for Coopcrati VB B~s

19) Course on 1iCUl<lgamcnt of investments by Cooperative Banks

20) Cccrse on Public Relations for Cooperative :Sanks

21) Course on Recovery of Cooperative Loans

Tho abovc-ocntioned progF<.l.!:l!:les are, however, only ind icati vo of

certain functional =eas of jo]) requir-nents arid additimal tmlo~

r:1adc procr::unmes could be drawn up for the dcvcl.opmont of bonk

!:lanogcwcnt in the cphcrc of coopcrdivc and rural bnnkine.

(o) In at!clition, sor.ri.n=c xo.d c cnf'oremcs for the office-

bc=ers anu directors o.nd Chief Executives of Cooperative Danks at

the district levcl. c.nd State l<Jvcl will alzo be necessary. The

Seminars for the district level cooperative barJm ncy be orga..'"lised

at the rcspectivo traini.."Jg collec;cs ser,rirl..c tho concerned States.

The various ltllJ:laecmcnt progr=ro for tho sunior executives as

also the S\.lmir.o.rs for the State lev0l institutions mey be orgo.nised

r.t the proposed Natior..al levtil. Ir.:Jtitution to be !mown as the

••• 111

: 111 :

Banld.nc; Seqtor.

(c) However, untU such a !io.tional level spocialincd Institutic.

· for the coopc=t:i:ro banldng sector is ostabli:Jhed1 tiHJ spcciP~i:Je,l

pro[;romnes rncy be evolved, plan.'luC'. ci.l1d oxocutod at the Vuilrunth

Mehta lTational Institute of Cooperative Lllr~'Gcracnt 1 Poena.

c( Paras 3.32-33 ).- . . ·~ ~--

·.,

cmer~:;eu as the single largest institutional P.ecr.oy fcir·p:t~vidil1£

rural an~ Oe;ricultu~'nl credit ;ror- a.::;ricultural pro(:uction an.l

development. The Fifth Plan is to am at r.ucri.Iau;:.1 institutionalicr.>··

t ion of ar;;ricul tural. e r-odi t ill. which coor:crQ.ti vo bankc will leave k :

play the major role• -They lt.avc, thcrefo ro 1 to- reorient· their vut:.0, · . !· ~ . ' . . " .

and Uil(lerstand the rationnle and cot~ tent of crocli t plannin[; :md

dcvelopncnt oriented bankillG and illitiate measurcc to d :beet thc.i:;:o

efforts towarlls the fulfil;aer.t of the c vuu=~i t7' o aii.JS; In ot:h. r

•vor::1s 1 cooperative banks have to play the rule of pro:.lokrs cf

I rural cntrepr cneur.::hip 1 and not uerely to function I:!Ll "· conclu:i.t

pipe for funnelling crdit. In fact 1 it has to hc.lp in I:nk:inc

D.(;riculture a 1 · bn,r;Jw:ule proposition I in Which t=inin._; has to T,l.3;).

:J·. vital role •. One of the crcat·Jst conctro.ints in thi.J J.lD.o:::ive tJ.o~-

is goir.g to be the dearth of trained pe:r:::or.r.ol. The above ccnsHc:--...:·

tions call for specialised airill'JGC::lJnt::; fer tho devclopmunt Of

profuosional cadres of rural Xnk LS."Ul::lGe:m 11 oyc:pathotic cnii.

I responsive 1 to tho needs of the prio:::ity coctc~ of t!~o ecor.c;Jy,

••• 112

: 112. :

(b) Tile eooperativ.:: bn.nld.r~ 3tructure i2 in urc;ent need of

critical t.il.ento to fill up the top positions in the apex organiza-

tior•s so that tt .. oir r~.:li=cc on thJ State Govd"'l:Oents a11d tho

Reserve :Janl: of In<l :iD. for bvrrawing the services of experienced

officers on J.dLoc bxiz·, is reduced gradually and completely

el:iLU.=t(;d in due course of time. It i:J felt that tro.irilll;:; of

h:LeLor level executives in spacia.lisoC:: bank m::mueenent progra.r;ues

. would pL,y a very ilc.portant rule in hdp:ine; the cooperc.ti vo banks

to fill up t!~.eir c;u.ps iE the dcvGlcpmcnt of top executives with

rca.lly. high le':ul of cri t:i.ca.l tclent onc1 sldll Ylhich u;:.y help them

to riso to tho occasion on::l. c01:cpete successfully with bigger and

1·:ell equipped c a:uncrcial bank::;.

(c) L'l this conte;xt, t!1o present troi:ninc; arra.n.c;ffilents for

coo!'ero.tive tonJ;: p arsonnel are con..-.;idcred crossly inadequate for

m=~l[;Cl:lent devolop::;.'omt. \/e have lookcJ into t:1o proc=JE: offered

by tb3 Voi:runth !.lc!ri;a ::ationa.l I:nstitu tc of C:oopero.ti vc !.ia.'1n{;$lent,

·Poena onc1 Cocpom.tivo l'.a.'lkers Trninir'[; Collc,;o of Ros0rvo :Ja..'1.1{ of .. Indh o.t Poonrt <Ull1. found that tllc.y arc either -teo concral or of

routine t;ypo and no :cpccialisod mru.::l(;. me:n-t procr:L"linos arc ofiorccl

exclusive};,' for tllc S8n.ior cxecutive;s, ccirocte;d torrards developL1g

criticW. l.l:lnQCcmont fucultios n;._d hi)1cr r.ru1ac~rio.l t3.lents. so

necc3Bar;; for sou..'1.d o..nd faster Cl<A'Ith of thG coopcrat:i:ve bo.:nki.ng

sector.

. . (d) T:w tack cn.r,' bG f'ulfilled '.Jy hi.:;hly spoaialised apex

level L'1.Stitutions exclusively dovotocl for the lllruJ.o.Gement develop-

ncnt pr.:H~MnlCS for tlle coopera:tiv\:: lo~'''-. Tl e ~· t """-~ ~""' -1 m-1.0£;cracn develop-

; 11) :

inc. Perhaps, a s:i.Lrl.lo.r i.n.qtituti~....:.l hw L0.coo.2 ntJc0G::>o .. r-; fer

proper and rapid devolopr~cnt of tllo cooporati vc banl,c. This i..rmti-

tution could bo dosi:;nu.tod :J.<J the 1 llo.tioral Ir.r;ti tt:te of Coopora-

tivo :r::.mk Ma .. 'l;_l(_,cr-.. cmt 1 to wLich aJ.l other Coopero.ti vo J.'rnin:!n;_;

Orcn.nizntions r.t lower levels bo suitu.bly linked. It night be

ostabli::.:heJ l1n<ior the ov,:;raJ.l ulJ.l!r.;ll:.J. o:i: '•ilG C.:mtr:U. A::;oncy, ·•rith

full mrLJnor..y in d<.>.y-to-da.y aclL1iilistrn.tion, in collo.L:Jro.tiou 1•:i t!1

all the apex cooperative b:J.nks, Nationo.l Coopc:..'o.ti'.e :U.o'rclopr.J.c.nt

Corpvro.tion, Dcpartncnt of I>c.nldnc, ;ovc.ril; .. or,t 0f I~1dia and the

(e) The institutio:I ~1o.y disch=,;e, nuccl(; other tiiill(:s, tl•c

1) Tro.i.ning in 3CJJ.ll~ :.~;J.!'l..:lt::Cr:l(;llt of :::;,~!-d..or u.J1:1 top level executives :c·rcn c copcrative banks

2) Train ars tr::linL"1_:

3) Cons•lltcncy, paniculo.rly in :"'OC!"'ll."..ti:J.:Jnt for Goorer~ti ·v·e 3o.r.2cJ c.....Yl.J ~tu~J:r ·:;::· }-rJ:)lC!:l::l

4) Dcv cil.opr .• ont o:r ~;rot;;typo pi'GCI"..i.:."l.W;J for constituer,t mlits or a.f.L"ili~.tc:;;;.

5) Eczoo.rcil in coO>·cro.ti w bru:}: L::.'l::.; -~r;o c::t <.:.."l-1 problch7J.3 o:f rr.r~iJ. crcQit

6) Producticn 01 tr::lirlinc r;l..'l.torL:J./.lO.l"u.:'l;:;, etc, ru1d pu1lic~,tion of Al:!. :Lr~cHc.J. Joc•:.'lx.l on 'J oc pern.ti ve ~:nd RurcJ. I~\.:d:lr>.:; ·.l}:ioh oay be 6::::..lloJ. " ~1urJJ. l1a.nltcr 11

•

7) !ia·~:~ir;r.al l0V d r;GLJ.n::u"G ~lll Con:CCI.'---l.I.C0:.: 0;).

Coopcr:..+.ivt~ Ban~: r.~'Ja[~C:.£ :.:t fOl.' c~·~le (; bcn.rc.r.J, :>ircctors [:Ul(1 0lri.c.i' B;;:c.'C'X:.~ ~,\::._;, vtc.

8) Ovor:lll •Xl •)r,lin:..ticcn of t:!:'!licw;c 'uir.cl tr~,inil.1(; ar:raJ..1.:_:1,;:l011lS .for coop\l!"ati ve bn...·1kt. •

•••

: 1"1/r :

cooperative credit n.nd rural bnnld.nt;. Tho possibilities of intro­

duoinc correspondence courses for the olilj)loyo\.ls of oooperativo

banks at lower levels could b<J cxplor<Jd in course of tiL'1e which

r.:ight ov illtun.lly rcsul t in th<J culmination of a professional course

liku C. ll.. I, I, D. o1'ferered by the Inc1inn Institute of Bankers.

~'or thic we SUC[GSt tho r=o 11 Certified Associate in Cooperative

:::lankin[; (C .A. I.e. D.) which should be civon duo rococ;nition and

status by all cone urnod including Govumwmt of India.

(c) \/hila the overall control of the 1 lfationcl Insti tutc of

Cooperative Dank_ Managcucnt 1 illic;ht rc;:m.in in the hands of the

Central J\.concy, it mey be m::uu!£Cd by a sub-co!llLli ttee of experts in

tho various ficl.cls of r.nnacement and cooperation and should be

headed by an eminent r=o.cewmt expert in the field of banking and

should bo adequately manned by Pl'Ofossiono.l persons on its faculty.

The All India State Cooperative Danks 1 Federation hlie:;ht also bosuitably

lwpt in tho piot=o ( Paras .t.6-e2 ).

18 (a) In any pror;rruno of t=ininc, particularly, in respect

of certain job-slcills for i.J~1provine; operational efficiency in

routine type of jobs, as also for improving the =gamont capabi­

lit ics 1 properly planned and executed practical trainine; is a sine­

quo-non to lll3.lcc the pro1~raumc of traini.J1C effective n.nd useful, It

has been found that tho present obs..xvation and field placement

traininc is mcrvly int ens iva o bservo.tion and not an o.rrm)t;cmont

for job train.in[;. It is consiclerud that observati~n tour and job­

orientation trainine:; shouJd be properly into.::;ratecl. It should be

need-based and practice or skill oriented. However, job-orientation

••• 115

: 115 :

training may not b0 possible without tile ucti\oe involvement of

State Cooperative :Danks ond the District Central Cooperative Danks

of the States. where the Cooporutiw Trn.:i.nin[; Colloco is locato.l

both in respect of its plannin.::; and :i.mplcr.wntation. Activo .involvc­

r.tcn·t and coop.,ration of trw concerned senior officem of the State

Cooperative Departments will be e3Bential.

(b) In view of tho roductiou of practical traininc; from 6 to 4

wocli:G 1 one week "'o.y be devoted for inteP..sive observation study of

selected institutions in and around the place where tho colloco is

located and out of thG ret:tuin.in<; three wcckc, one week should be

devoted for job-oricntec1 train:ll1g in selected coonorcial banlcs of

the area und two weeks in scleckd state- ,coopcrati vc bank ond

district cc..ntral coopurativo bank anc1 affiliated primary crcclit

soci.,tio.o'. Necessary urrnn;:;cmcnts ruJd plans of job-tr::U.nint; will

have to be raade in prior consultation with the institutions

sclcctcL1 for job-traininc~· The cont onts of tl10 p:z;oo,ctical trninin£;

shoulc1 be clrawn up on the bnsi3 of job-charts for.·.1ulatod for oo.ch

individual in the licltt of his job-c1oscriptions uncl it should be

possible to provide opportuniti~ to tho pa..C"t;i.cipants for o.ctuully

pcrfoming prcr;cribcd types cf jobs. Tho scloctior:s vf the institu­

tions for practical trainil"LG may huvc to be ro£:,1.llated il~ o. ~tional

manner so as to u·,oid ovcr-crov1dint; 1 :l'requont visits to tho c=c

institutiore 1 etc. Obsurvution study nill be bused on comprcho'lSivc

questionnaires druwn up for tho pt;rposc ~ civon in o.dvance to tho

trainee::; who should bo prop-.;rly ~1riefoc1 before [;Oinc; for obs"rva.tion

study or job-traillin.3o

(c) Provision for cnapmJ pro.cticols should bo rrJ:;J!o w41orc skill-

••• 116

116 :

pra.cti.::c ::;o:.;sion.s could vo.cily. be u.rrol]£;C:d with tl!e helP of

proforrrJ."J., books and ro,;ictorc, etc. li.ctuo.l dcmo::J.strations in the

practi.c:ll ond opcrationo..l areas of cooperative br:mld.ne could be

(d) In ordc.,r to mo.lw pro.ctical tro.inine off(•ctivc and job-

oricnt0d, it would be desirable to cot up a 11 11odcl Dank 11 at co.oh

Coop~::ro.ti vc :Jankiw__:, Sru.ncll At; ants Cou:c:c CJ1d. vthcr procrnnu..1cs may

uc of:[crcJC1 or: rC[,-cllo.r besic. It is thrcU[;].1 tl!cso l:tOdel bo.nl:s that

simulation cxcrcis us and l:kill-prCl.Cticc s,c::mions cone onlliv~ various ,.

oparo.tions of ti;e bonk, cc.uld be inpartcc1 to tho participants.

·Tho 'model brulk' mi.,)lt cost GOt:h•thL'1G bet-.·10on Rs. 8 1000/- ahc1

ns, 10,000/-. .en rcs;)cct of procticc...l trainin.::;, tho concomod

Colloccc mo;y alco obtain and r:.aintain o.'.lditoJ bool:s, rocistors and

r~cords r2lati.nc to the Statu on'1 Control Co:opor:::.tivc Banks which

r:m.y be :1olp:hl for pra0tico.l oxorciscc, The pril.ctical exorcises

anil pro\.Jl.:Jt:m :.n ro:>-;>cct of book-lcoc:piuc m1d ucccuntc should be,

as far o.s pussi":Jlo, bo.noc1 on well r:m.intaincc1 books and rocords of

cooperative banks, Prr.~etical traini.r0 sllotilc1 forn an iupo rtant

basis for G.ssosmnctlt. It uay bu ~ivcn ecllJ<j. \"iCit:;hta.:.;c at par with

o. full floc1ccc1 sub~ect of 100 uo.r!cs c.nd adui ti@.:ll 50 JJ.o.rks mcy bo

allottcJ to viva-voce ':o:rD.L'linn.tivn basec1 on practic:ll trainin.:;

and stuQy visit notes, ( Pn=as 5.1-15),

19) (a) Tho cffootivuno:s:: of t:cainil'.,~, cu"cnc other f<J.ctors, mcy

depend upon offccti wncss of ·,o[I]JulUJicutior, \.Jctween the trainers and

the train~.J·:s. At present tllE.:r~ seer.1a to have been crcatcr

••• 117

: 117 :

dependance on traditicnc..l lecture octllod. In this conrh,ctior.., it

na;;· be rvaliscd tlut S<'1IDL1 knowle:l;::c :J.ml exvcri011ce on tl•c p· -:1; of

th" too.cher is tho e:rea:tcst prerequisite for cf.Lcctivc usc of

any tcachinc technique. ~he contcr:ts and claritc' of ideas e.nd

thi.nld.nc; on tho pnrt of the trainer coupled with the cxpreccions

and. ddivGr;r throuch the rn.cchaniso cf appr"priatc Lu1£:uc.~:c, 1.mder­

sto.nclablc a.ml intolli..:;iblo to '•he trainees, to a crco.t extent, will

dGtcrminc the cfi'ectivenGsG of various technique::; wl:ich r.U.Sht oo

adcpted to offuct trunsfe"' of }:nowloc10o c.:;Jd C:T.j)cricncc from the

trau1~s to the trainees.

(b) Greater eophasis should be laid on participa.tivo techniques

\'ihich encouro.cc tho involveucnt and rcsponsivcncsc on the pa.rt of

tho trail1ee:s, such as GroEp discussions, Sc!ain .. 'U's, S;ynpo8iums,

Rolc-play8, Debates, Assi.;nment/Casc Stuc1ies, Quiz .Prot;r::Jaacs, etc.

(c) Even1.mdor the lecture methocl, last 10/15 minutes =t be

d·evoted for qu0stion-answer session. Proper l~c of black-board for

bo:rd SUJ:U1lD.I'Y a"-;d p:ca.cticul illmtre.ticns, etc., is ::.lao consilord

important. In soLlCJ of the area.s, suita.blc cha.rts, flx:mcl-cr::tphs

or dia,sra.w, etc., coulcl be develcpo:1 a.nl USGc1 M aitl in tea.ch:i.nc,

particul=ly to supplorucrr~ and support t~lC: lecture L'1crthod. \'I1Lilc

p roparint; course pl:ll:., va.:.':'ious topics of tL c syllaLi Ghculd be list.::1

and appropria.tc tocllniqUE:s to bo usCJ:l to cover thou'' cli<;llt Lc

inclica.tod well in a.dvo.nco and scrt<p<lloaly i'.Jllowod. Grwp

discussions should be uootly Cluvc tccl to di~:c·,ts"J specific ficJ.:l

probl8!~1S, iclch'tifiecl and sclcct.ecl Ylcll in a.clv=o in co~£..il.tation

with the partici,.,rmts.

••• 118

118

(d) CCJ.so uothorl of ko.cbinc is consic1crod very im.portant. All

tho colleep s conccmod should collect data om1 informtion and build

up suito.ulo cases in tho various areas of =nccncnt which should

uo cff0ctivcly used ao a basis for Uiscussion. Preparation of cases

uas0d on field problcr.JS micht also help in pronation of consultancy

work in relation to minor and less complicated probleos at the local

or rq;iorcl lovul. In-baslwt pro,:;rwjao ooulc1 olso bo used with

crcnt o.dvnntQ£c. For this purpose, bunches of live casco involvilJ6

dccision-!;w.l:irJ£; ::;ld.ll, etc., mig:rt be built up in course of time

as is b<ei.'li_; dono at n01ao of tho Staff Trai.1'lli1<; Colleces of the

no.tionn.liscd eoLu,;crcin.l banks.

(c) Arrnncom.onts for dOI:lO!lstration is considered important a.'1C1

subject:J like operations of Clearirl[; House ;.ri.cht cazily lend itself

for fi!Ock-deraonstra.tion. On this basis more such aroa.s could be

idcntifiod o.nd proper raat.::rials and arranceuents for der!!Onstration

could be r.nc1o.

(f) Provision of adequate tro.inilJG =torinl to tho trainees may

C') a lone ':my in r:Jn.Jdnc tho trainine noro effective and useful,

particc;.lurly in the absence of r:=uals or hc,ncl-books fron coopera­

tive bullies. In c1ue course of time, the cooperative trainil1g

or,_;ani:::ationo mn.y ::rosist tho Stote Cooperative Danks ill preparil1g

suei1 nanuo.l::J cr hand-Looks for the UDe of their e!aployeos. \'lhorever

me h t:l::Jnuals czist they should llo contillUously reviOi'led, revised

and kept uptodo.to. Such r1c..ntcls should be procured in adequate

mmbor o.nci.kept in the library of the collc.::c.

(c) ~'he Centr3.1 A,~ency should prepare sui table text-books on

••• 119

: 11 g :

coo;.>urative banl::i.J:JC and otl,or nrces 1 n.s also other reference mturi,,

frora out of th.,ir Revolviil£: T<:Jxt :Jook Fund e11.d already nvc.ilublc

books and 1.itcmture L'1. the En.:;lish h'lgl.IU(,C should !Je trunshted1

as fc..r as possible, in the rceion:Jl lUJ:J£;tt::JGes ru1d mad0 c.vailc.ble to

th~ tr3.i.n.il1g orgc.nizatiorts.

(h) It is also suee;ested that text-books ru1e1 other mtcrio.l

broueht out l1y the Central Orc;ru"!ization as aloo other rcl0vunt books

micht constitut o tho lci.t of coi'Io-boolcs 1 which mn.y be provided to each

of the trai.J:1.ces during thEO tra:inin{; pEOriod1 to be rotumod to thu

CollugG on c omplction of train:i.nc.

(i) From time to t:i.me, Vlorlmhops r.li,sht be ore3.lliscd for pr c;pc.rn-. .

tion of training material auch as s:ynoptic notes, ,,tc., which coulc1

be revised and kept uptodate.

(j) In the absor:ce of adequate books md literature, it woultl be

necessary that th c toaclrilJB fae uJ..ty um1crta.lces to prepare synoptic

notes on all :i.r.1portru1t topics of the syllabus Ol1C1 provide then to the

traiiJ.ees well in adv:u1ce before the lecturoo. nceords of Syncrtic

Notes should be properly maintained in tho library.

(lc) Th~ usc of livo case filer; of the St::..to Coopcrati ve an<l

District Central Ilonks durint:; the cl:.ws-roon tra.ininc 1 i::J consilc:red

ir:tportant i..YJ. order to provide trai.n:i.n.:; under actnal rJituations in

w!·_ieh the trc.ine<;s 17ill ho.ve to ·,;ork aftc;r tra:UJ.i.J:Jc. As alr<oo.Lcy

sue;estetl earlier, the State Coo;-;erativc Dc.nko am1 Diotrict Cvntral

Cooperati~ BO.U:cs should r.nl;:e available to t!1u coopcr::ttive colleec

their a.uditocr boo!cs of account, recorc1s 1 fi.'1:l.neial otatcJa.:;nts ond

aduit ;:.d reports 1 etc., for uso in prc.etieal trainin.s 0n the campus.

••• 120

120 :

Prxtical prot1J Bs and exercises to be civcn to the trainees r.xust

be structured on tw "!:lasis of actu.:JJ.. books of accuunt and records

and proper DOl'-ltions mey be dcvcl.opcd which cli.:;ht be used success­

fully to iL!po.rt prxtiee-oricntcd trainil1£; oven in the claos-room.

(1) Iwsicnment studioc cou.lc1 also be conducted on fielll

problemn and lot of traininG 1aaterio.l built up.with the help of

texhinc faculty aT'Ll tllc trainees when they c;o cut en obrJervation

tour, etc. Dur:ing the cap periods, tho faculty mcr:Jbers should

undertake: inspection and aullit of selected eoope:::at:ivo bw1.ks in

conbultat:ion with the authorities concerned anc1 the model reports

eLJnati.n;; :from tho sOLl.C might also be us eel as tcacl!.LTJG I!J.atcrial for

tho trainees.

(m) In order to systmnatiso the progr=n.:. of course raaterial,

the faculty morabcrs :ohould draw up a cm:c.;clete calendar of their

activities and progrW.'ll s for every couplete acac~ODic session,

so that their work porta:i.n:ine; to tra:i.liliJc activitios, acsigllJ:ncnt

o.nd fiolcl 'studies, preparation of cases and ctiter i>ob.cldng

materials is r<Y_:;uJ.ated in a scientific aml. :!letlwdical :.rumor.

Preparation o:f teachiP-£; ll.'1.terial need::; t:,Toater attc11.tion of tho

Central A,~cney for traininG (Parae 6.1-13 ).

20) ·(a) Evaluation and follow-up is an essential a::;pcct of any

train:inc procr=Q. Tho v,.,rious aspects and objectives of assos::;­

::J.ent of the trainees 1 porfon::anco lJ.ave boon looked into, It is felt

that tho mail1 approach to the assessuvnt of porfornanco o:f the

trainees should be dirvoted tovllll'd:J a cystau of continuous test:inc

o:f i::J.provcr:wntc in undorstandil'J6 and o.bili ty o.nd pro.ctical

••• 121

121 :

performance inste:;.cl of tr:;"ir.C to tc::::t nt til·J cml"as to l:ow I~uch

c rCl.tll:lint; Ol' 1 oarninc ll:~· rot o was <lone c1 urL110 ti1c trc.i.:ri.J"(; ond

prouuccd in the n.n.sw0r Lco~cs. ~hcrcforc, tllc entire ny:.tc11 of

conductint; exor:linatim, fr.:lll-.inc of •1Ul!stion ;Japcrs, etc., will

have to be properly ori0ntecl1 ;.;o thc:t tho p::.-csent CX".).;llnation-

oriented focus is turncod tm;=cis one v;hicll r;ill oncourn;:;e real

learni:l£ and acquisition of l:nm:L~l,_;e <U«l cld.ll.

(b) However, fora.:J.l evJ.luation of candiclatcs I!"-'1.Y be done only

in co.so of tho fo~- ·:Lnc coursw and not in respect of sl:ort-tom

job-oriented cot~scs or rofrcshcr courses.

1) Diploma Course in Cooperative nnd Rurc.l Bn.nld.ng

2) Diplou:J. Cou:mo in Urb::u;. Cooporo.ti vo Ilankillt_,

In case of proo·=:~e where foru:W- test will he llelll1 successful

candidates should 'be awo.rJoc1 o. ~rofcssional DiplOLIO. lma:;n as

I Di;Jlom::J. in Cooperative and Rural r::::r:.i:i.J.~ 1 (D .c .R.D.) whose status

should not be loss tlUJ.1. tll.o.t of the C.A.I.I.B. a;:o:rded by tho Indi::u1

Institute of :!Jankur,;. Fer other short-tera proc;ra:.,..los, merely

certificates of att.enc1in.:; tho course rc.:.~ ~e issued to tho rnz:tici-

pants.

(c) The Diplow.a Course my be prcpcrJ.vr recor.;nisecl by the State

and C ontro.l Govurru:1cnts, the Coopcrativo Mel mtior!O.lisecl Coru:10rcio.l

Danks in rospo_et of their rural br::u1.chos, o.c 'l.lso by other public

sector, State-partnered r~:-lev::u>t unJorto.:::L'l(;•~, :Cor the purpc.sc::J of

coploynent, ote. Accor<l:U}f;ly th0 rules 1 b;,rc-laH::J cf tllc:;e orc;aniza-

tiens sh01.1l<l _lie onendoJ, sc ar> to m;ce tlli::; pro:Ccssic.illil qualifica-

••• 122

122 :

tion as an essential condition for confin.1ation ru.1d pronation to

hi[;lwr ru.nl:s. Rules of banks clloulL1 1 rovi,lu for proper o.nd sui tabla

inc entivo for outstJ.nJin<:; r 1r.for~"'-.'l.)JCG :lurillc tho tru.inine; period.

Placcocnt of n.lrcc.dy tro.:LnoJ ]Jur"'onncl slwulL1 llo rcculatod in an

appropriate manner so as to unsure their be;:;t US(.) for the orcaniza-

tion.

(d) As to the raodes and basis of o.sseGsL:cnt 7 it is sucsostod

thoro should be fortnii)ltly foriTJD.l tc:.;ts clm'inc co.J;Jpus tro.ininc,

onc1il'JG 1;ith final writton test bo:;:·Cll:'c the cloco of tho course. The

fonru fortni[:;htly tost.s may concist of one hour papers in the

three subjcct3 of tho syll8.bus. Tho v.:J.lua..tion t~f answers mo.y be

dono on t'1e basis of 1JO narks. As bdwcon for'i;ni.::;htly tests and

end of course examination, o. weir;htnge of 40 to 60 per cent :is

S\lCCOStCdo ',1illo fin:l.J.isin6 the aSSGSSIJ.el1t: tl"e Lla:cics obtained

l:Jit;ht be convc..rtc:d li1to perccnto.,:.;c;,; accordi..:t'C to this wci{;hta.;c.

Practicc.l tro.inliiC ~ny be allotted i 00 marks lil conjunction v1i th

the vivu-vocc axf'•'J.i.no.tion of 50 r:UJ.rl:n, cJ.so i:lnscd on ;orc~etical

uctivitL::s 1 •

(c) For practicn.l trai.nir~t,, co-cu:criculo.r ncti vi tic3, etc.,

basic for test Viill be the cu;;crvis or13 rc})ort obtained fron the

cone crncd Counercio.J./Coo}JCro.ti vc liru;!~ r:1.1oru jcb-tro.ining wa.s

arrn.nc;cd, as also tho report of the fac:ul ty Glliclc. This will be

finalised in consultation 11ith tile :facl1ltJ'• :l'hc 11arks :for the

• co-curricular activities oa" be divic1cd so o.s to ,~:·he 25 · " .•• lJU.I'lCS

.••. 123

: 1~3 :

:for pcrfo:u:mncc of th.:J trai:1cos in tile clo.so-roo:;1 ocDin .. '"U'S 1 debate:>,

etc., and the rcuain:int; 25 mo.rkc for cxt=-cnrricttl::u: uctivitic:; 1

partici;x'..tiun in cttlttl.l.·:ll procro.;:nos, etc.

(f) In orc1vr to be clocl3.l'oc1 successful r... C:l.lldill.c~'tl.1 l:!t.Gt obtain

40 per cent in tho ncc--roc::-.tc. The tr:J.incos ::ucuri;.~ 60 per c 1.11t

and above should be plo.cod m1dor :first-clu:.::'l :::.nd thooc ooctl.l."il'l,.;

between 50-59 rmdcr Scconcl Cl::-.< s o.n~1 tltos-: ::~c~U'i:·c -~0 uncl 49 pur

c.:mt under third class. The s;,'ster.: of 0.\'l:::u'C-:inc clL;tinction in

' 0

indivt:1%l subjects where tho ca.nclilla.tc secureD 70 p0:::- cent and

abovo rua.rlcs should also be intro~bced.

(g) T!1c candidates huvh-:c; achieved the Diploma (DCKl) should be

able to use after their nn1es 11 C.A.I.c.=:. 11 (Certific.<l Asoociatc

the oubjcct G:f distinction slloulJ. alzo be rooordc.<l on it. T!w

cliploLn ·.vill be iosuod rmder the soul and. a.utiwrity of tho Central

Agency in control of tho .::utiro tra.hlinc F!:'O;~r::~u.:0o Tho ca.ncli•lntes

securing less tba:.'l 40 por cent in tho tJ.G:::r<Jcatc ohould bo duclarflrl

as :failoc.. Tllreo ch:.1.nces t0 reappear in inc1ivilhru )>up;:,rs in which

they havo failed to secure ;::d.ni::J.'m puss •=;..s of 40 p0r cc;nt ::;houlU.

be adopted. The failed cnmlid..::.t._.s rco.pp•cu.r _;_;-:c; at thQ sullsoquont

examination privately shoulol socm·IJ at lc:•.st 200 r=ks tO(;cthcr Vlith

the =rl:D alreauy obt~tinucl in prc.r.tir.al trair.iJv:, vivu-vocc an1

co-curricular D?.,iVitics il: t!,G Gri:::ina.l Cll<l Of th,1 COUIEC o:z:ru.Jinu-,,

tion.

(h) For 1 fc~cl-bn.ck, the traininc or,__;anic;utions :;hould device

prop<-T rao clres· :for cm~tJ.Ct~l~ t!1o iOG~-trail:ccs rlurir.c t'.c post

••• 124

: 124 :

trainine period so as to know thoir problom:J and effectiveness in

r0t:;ard to pcrfomo.nco in their jobs froLJ t~10 to time, Arnone

other Dloa.surus 1 intorvi0w of tho ex-trainees, fo JI.UJ.tion of !l.lu:-mi

:u:;:::ooiation anc1 survey cci' ex-trail1ous pel'fOl.m:ll1co 1 etc, 1 nay be

tried, The syston of evulu:-:ttion of tho train:i:n,:; proc;rru:ue

tl:ro1J.c)1 a v1oll-c1-.:::i(_;nul. quostiorumire to be filled in by the

trainee::: ~t th0 e!ld of ti1c cours o should continuo, Tho cor.nents,

obsumtiom; anc1 ::nJGcostio:ls made therein should be systonUJ.tically

made uco of 1 while pl:1;mil1g tho futurE> procrru:nes ( P=as 7,2-15),

21) (o.) For successful plo:.'llili:!{; :m<l inploLJc.ntation of the

pror,r::um:10s SULc;usted il1 ti1o report, it would be necessary to create

o.duqun.te illfrastructurul fo.cilitius w_d naintd.n th<n in good

o ondi t ion at all stCJ<:-:es uf clovolopoorlt of tl,c trailili1g procramme,

This will involw initial capital cost us also roourrin,:; cost on

a =thor increasilJG scule,

In this conn~c+,ion, th~ inYolvcl:JGI!t c.nc1 o.doqmte assistance

of CG"tr:ll C',ovurnr.,ont anc1 thG State Govornr,10nts will have to

continuo, particularly v1hon cOOi'oru.tivG credit anc1 ixmki:n,:; has

been adopted as an h1portant irwtrculcnt :t'or :JDxLn.an il1Stitutionali­

sation of acricultural and rur:..tl credit,

(b) IlmwvDr 1 the invol VDth:mt of bencl'icial.'Y orc;anizations and

a::;cnoics, such as coopore1tive '..Jcmks is not rulc·i out, althoCl(!;h the

nature, tl1e .;.xtcnt and pattern of involvement may have to be

dctc:n;linod in the li;;ht of their respective responsibility, the

c1cc;roc of their capacity 'Uld the stac;c, of t:lCir dcvclopuent anc1

also tho need for faster rate of c;rowth, particularly, in tho areas

... 125

v1hcrc tl1e pro::;ross has been slow a.nd not co satic:.?ncto IJ. To start

with the beneficiary cooperative bonk:; r~cy at lcact o.:;ruo to buo.r

a po.rt of the cost of traini!l{;, as for c=plc, o;q>cnJiturc of T.A.

D.A. of thGir ooployoos dGputud for t::::ainilJL;•

(c) In rct;o.rd to !fational Insti tuto of Coopcrnti vc fu.nk l.hl"k'1(;e-

mcnt as sucgust.;d, this may hnvo to bJ contr:tlly cponsorcu national

lovcl. apex institute for the coopurativn r:ncl rural banlc:iJlt~ sector.

Al thuuch tho uajcr part of tho coct botl1 ca.ri ta.l anl re;currint; will

have to be borne by tho Co:1trnl Govcn1LlCt!t, it is visualised that

State Govcrru,1Cnts, apex cooporo.ti vo bo.nks and oven mtion:tliscd

co=orcinl banks could provide financi.:il r,artn.::rship in its osta-

blishHent a.nll functionil1(';.

(d) It is necessary tlnt al:l. these ergrulizo.tlons, 'whore the

proc;rnnmcs will be conducted should be provided vi th adequate builditJC

physic:::.l facilities a.nc1 o.tJ.Gnitics so o.s to crco.tc o. conccni:tl

o.trc.csphero to allov1 a sr:-.ooth o.t'ld efficient condL~t o:f tho tra:iJJ.iJJC

:facilities, etc., t1ust fore-. a.n :i.wpcrtant :i.nto:~ral part of .the

provision of physical facilities c.nd nccosc=J rc::;Lhntial ar.:onitio::;.

It is also nccosso.ry, :iJ1 tho interest of tho pro,:;rnr.ucs, tho.t prop..,r

fo.c:i.li tics for games, <:ports a.nd :;thor k:iJ:ds of o.,,prcpria.t e roc rca-

tion o.ro ade<1uatcly p:roviuoc1 on tho cno.pus.

(0) ~ho success of tho pro,_;rna.lcs r:ill dey.; end nai.nly on the

quality a.nJ stnndo.rJ. of tho faculty to be provided by the Central •

inadequate, po...-.-.ticularly, i~ecp:iJJ& in vicY: tho nc.d to undertak:::

••• 126

: 126

further expansion and strerJCthanir'.,:; of tlle procra;:rr.ws. The fa.culty

strcnc;th, thorefo:ro, should be inoroasocl fror~ 2 to 3 in tho usual

scale adopted l:iy tho Central OrGanization and provision of a tutor, . .

in tho scale of the Senior Technical Assistant, to be :l.ncharge of

tho Model :Ua.l'Jlc, lns to bo made.

(il.) i'hc teaching faculty should be dravm fro11 tho appropriate

sources - State/Central Cooper:::ttivo DD.rll:s, State Cooperative

Dop=tmmts, UndortakirJGn unclor Citato and Contr:::tl Govcrru:10nts and

oven from the Com;;,crcial Drulks with proper bacl;:;round and

oxpcrionco.

(e) Broadly, we succost tllat.thc fc.culty r1onbcrs should hold

' ' ' ,) ... at least c I>.'b.sters Dcc;ree in 3conomics/Cm;ncrco or its equivalent

with adequate experience in tho field of bankinc, cooperative

credit ar,d rural brulldl1(';, etc. They sirould also lmve professional

qualifications in tho fiold of \Jnrlkinc and.alliod subjects and

proper trainine; at apprc;Jrio.to levels, prolorably with tvaching/

truinil1c or rocc=ch c)xporionco. They should be put tlu-oU[;h

rcGul= Gtaff d~volophrc::lt proc.;r:::II:JI:ws il1cludil10 those; organised

undor trainers 1 tra:i.ninG proc;rru:uc at -~he propos eel natioml

Institute of Cooperative :Sru1k l<ianQCo,:runt for their continuous

professional growth.

(f) Rooruito.ent of tho faculty for the national level institute

will have to bu roc;ula.ted in uccorc1airce \':ith its ovm rules and

care will have to be talwn that it is r.k'1.lll1.ec1 by ominant oJ...-pcrts

in ·mricus aroau:::, of cooporat :..vo crccU t anJ. baJ1ldn::;, bank

marw.._:;onent, research =cl c OllsuJ;~'"'"Y etc. ru1d headed by an eminent

••• 127

: 127 :

cxpe:ct in tllc field of bru;l: r:llll13(;Cnont with 8-dcquo.to tra:i.nine and

research oxporionoo.

(e:) L1. addition. to the roc;ular faculty, tho institution ony

drawn upon ti10 fiold OXJ?Ortiso throuc;h a Hell pl::uu1c,1 GY crtcn of

gm st lccturos by expc:;."'ts frou tho State Cooperative Ilanks 1

nationalise:d ccclf.lerci al banks, State Coopcr:1tive Dep::u"'t~lcntst

cono.: rnod DCJ'artrr:.cnts of Govcrnnont of India, Roccrvc B::u1k of

India, State Dank of India, StJ.to Land Devolopnont Th:u1k1 Acricul­

tural Finano0 Corporation, and Aerie ul ttU·al Rcfina.nco Corporation,

etc.

(h) The establisluc.ont of a Eodol :!Jank1 at c.ll. tho trainine

organizo.tions where rcc;ular proe:=os :in coopcrati w a.'lcl rural

banking will bo offcrod1 io a must whic!l sh:mlc1 be provided with

proper b::u"lkille: oount0r_s <l,llcl other accescoricc oo as to civc a

s om blanc e cf a bark.

(i) The libraries 1 · reQc!inc; and inforuatioa roOl;;s,o.ttachccl to

the coopGrativo train:i.n,7, orconications tiD.~" ba·.-c to be o.dequate;ly

cquippccl with books c.nd journ.'11.c il1.c ludin:; profcGsional jo1.li'Il.als

on the subject:. •

(j) The usc of audio-visu:ll. aic1s such o.s filns, stripe, Glides,

is also considerecl very iwportant o.spcct for ;mldne; class-roor:1

training ~1orc offecti-;e, particularly on in.:fon.ntional anc1 OJcera­

tional aspects. Tho trail"lillC collCiiC::J u·,\st be propc:rly equipped

and th0 tcachinc faculty should acquiro ne:cm::sar-.f tro.ininc in the

uso of these equipr:J.ents.

(k) In c1ue course of tbe, the Central A0 ency lJaY <::.leo consiJ.c-r

••• 128

: 128 :

to provide the services of q,unlified artisto/tcdmici=s who

ni,_;ht loo}: o.:ftcr th<.;sc c 1Llipoonts n.nd :J.lso imdcrtn.ko tho

preparation of vis=l-aids under thJ clliclc.;.1cc o:C tcach:L.Jg faculty.

(l) As the particlp=to will i.Jo rcquire<l to pay frequent

vis its to loc:ll or nearby coopcrativ.;/corJJ:JCrcinl Lru1.ks =ci other

cmmectcd instituticm :for their ]'rnctic:ll tro.il1:L.1:_;, it is

necessn.I"J that every tro.il1inc institution h~.s at its dispos:ll a

mini-bus or at lco.st o. otation wa~on to proviclc the necessary

transport facilities for a or.wotL an<l cf:fkiont l).u1Ctioninc of

Prof • D. li • ChoulJcy

3hri :U. R:. Gzo.

Dr. V. K. :::ii~1~)1

Cho.irno.n

Mem.bcr

I-I ember

i;lcobcr

Ho:aber Secretary

List ·~f pe.rs"ns represcntinL: Cf''>pere.tive ins ti tut ir> ns nn<l fY'n;Jerative dG;Jartl!le nt with wh"P.J. the '/1">rkill(; Gr"up had. disouoainru.:.

BIHArt

1. Shri ;)nthurc. irasa:l S_inch, Ohai ruan, Eihar State ur>"perative Dank, L.A~l·lA.

2, Shri Jut:sl Kishr>r<e Sin;;h, Ex. M.•.,

Dir(oOt">r, Bihar State ~nnperative Eenk, :i:ATi~A.

3. Shri J .~harc.n, Secretary, ;]ihe.r State V'"perat ive Bank, :.CATHA.

4. Shri u.V.Rai, Deputy Se,.,r~otr.ry, Statt. un•'perative Dej:'c.rt];)ent, rATNA.

State ll>"perati ve Lam Develnpm<ent :<c.nk ---------------------------------------

5 • Shri Tapesw2.r Sin;_;h, uhnin:~an,

Bihar State U"'•perativc Land Dt:velnpr;;ent Ilo.nk, :i:NI'}lA.

6 • Shri D, ~ ,r,haudhc.ry, illan'Jt;in0 DiN•'ltr•r, 5ihar St!J.tc Lan.:l Devcl"pucnt Bank, ::L:A'I:i~A o

Shri Dip Narain Sinha (fnrm"rly t.hief i.;j_nister, Bihar) 3ihar Stc.te V''perativc Fe:.iera'tinn, J:A~.'XA.

••• 2

; 2

8. Shri Singhasnni Praso.d, Exerut:L ve Oi'ficor, Bihar Stat:~ unnrcrativ~ Federation, PATl;A,

v> 'rcro. ti V'" Depo.rtme nt ----------------------9. Shri R.;~.Prasad, IAS,

Sc r.rECtai"J, l;ogerrur:c. nt nf Bihar, Departr:>'-nt of t;nr.prnatinn, Pi,S.'l'lA.

10. Shri R.D.Sahaya, Deputy S'-cretary, DepartL:ent "1' uonperation, Gnvertlr.":ent nf Biho.r, PATHA,

11. Shri S.V.Saran, I.A.S,

:C.x.Re;gistrar of l..n"perative S0detiss, .Bihar Ste,t8, P.ATlJ.~.\ ..

1?, Shri I: .K .Jha, Jnint Registrar, t;noperative Sn0ieties, Bihar State, l"~TH.A.

13. Scri S,D.Giri, Dc;puty Registrar of (;nnpurative Dn,i<=ties, head Qua.cters, P.ATi;A.

14, Shri I>lclli-swar G:Jhaya, A.ssistnnt Rugistrar Innhargc Trainitlf, un,-, pe r~c t i ve Depo.rtme; nt, F1~TiJA.

15, Shri G.S .So.haya, Sp"cial Vffioer (Audit) Bihar State t;nnpcrative Bank, PATKA.

Distril'lt 0<mtral L"''J'l:rative Bank ---------------------------------16. Shri Ro.;:Javatar Jha,

vhairman, Lah~riasarai uentral \.,nrperative Bank, .Bihar State.

... 3

I 3 I

17. Shri Janak Sinha, S e r>.rto tary , . uentral O•>"perative Dank, MUZZAFFA.Rl'rJRo

18. Shri B.aghuvir Thakur, Director, lclleriasarai (;entni unoperativ" Bank, Bihar.

19. Shri K.S.Sinha, se~retary,

District (;nnperative Federation, Siwan, Bihar.

KERALA

20. Shri K .R .Eln.nka th, Dire r.tr•r, State (;or.pemtive Bank, Kerala.

21. Shri u.Subranani~, ,\!antcging Dirc.ntnr, Kerala State V"'<"lperative Bank, Keraln..

22. Shri Viswanthun, J\.;;sistarrt Sel'ret.-:..ry, Kerala Statt: U0"ll·"retive Bank, 'Tri va. rrl rum, Kerala.

23. Shri G.V.Uuir, ASsistant Secr .. tar,y, Kerale. State unnpel'9.tive Bank, K0r&la.

••• 4

24, Shri R.t.l.Kw:nar, Se ere t :u-y ,

4 I

. KeraJa State (;O<'perative Lam. Deve.lopm<mt Bank, K.o:rula.

25. Shri P.Sivsa~~nr~o Nair, Vice President, TriYm<l.rum District (;entrul t;ooperative Bank, T.:-:TiANDRUloi.

26. Shri G.Uhar!lras<.okhar3ll Nair, Dirtt:lt<'r,

Tri-mnl.ru.T!l Distri<'t (;entrcl (;n,perative Bade, TRIVANDRUiil,

27 • Shri (;. V .!.!ani, <;hnirr:JD.n, Krttayam Dis trirt L;e ntral {;r>"pera ti ve Badl:, K UTTAY Ail'!,

28. Shri K .s .Sankara.ru, Dirt.,,.tnr, Trivan:lrum Distrirt ventral (;ooperative Bonk, TdV,LillRUlii,

29. Shrl Gr,pc.lakriGlman, Se f!L"tltc.ry, Allepp~·y, Distrirt vl'ntral c;0nperative Bank, Kt:.r::-~la o

30. Shri Sulnnh&uan, Ckn16ral Manc-,ser 1

TrivnnurtJ.;J District Lentra U00perative Bank, Kerala.

State <;o0perative Uninn -----------------------

31 • Sirri K .K .KarunaR:ara ianikkar, t;hai man , Koorc.la State U"''P~rr,tive Uninr., Kerala.

• • • 5

: 5

32. Shri K.Bhar~ava Pillai, J'liut RE:gistrar( w-ed it) 1

Departl:lent nf t;.·.nperatinn, Korula •

•

ldADliYJI. :PRADESH

33. Shri B.P.Srivastava, .\Ssistant l.ianz:tger, hi,? .Apex U'lr:'pE:ro.tive LanJ D.;ve lnpm~nt Baric, BHUi?.IL.

ORISSil.

34. Shri G.u.Das Gupta, Manager, Orissa State Lo.nd 11'lrtgage Bark Ltd., BHUBA:'lESW .1R.

TAM II, NADU

35. Shri K .KrishOUL'i\lrtby, Vice Prt;sident, Tamil Nadu State ur,nperative Bark, lliADRi~..::J o

36. Shri D .Varthamanan, Secretary, Tru il Nadu State U'"'P<o:rative Bank, MJ\.Dfu.S.

37. Shri T.5 .IJi12ktavatsalao, Assistant Secretary, Tamil Nadu Stat" \..'lr·p<-r:o.tivt; !3ank 1 lilJ\D l:\l.S •

38. Sl:.ri Shanmut:,acl, Assistant Secrct~ery,

State U'l"pe rative Bank, lu..\.Dfui.S • ... 6

6 :

State Lam Dcvel0pme nt Ilank ---------------------------

39. Shri V .P .!.I:J.lhntra, r!JD.nuging Dir"ot0r, . Stat<J w••perative £and Mnrtg2.6e Bank, :VIADRAS.

40. Shri S ·"\..Pw:!LJEtnabhan, J.s::;h,tant Secretary, ·ruuil l!aciu State vn~'perative Land Iv!n rtgage Bank, ~\.DfuiS.

41 • Shri Palani, Jnint Registrar)hicf Executive Offi~er, Tamil Nadu Stat6 unnpcrative tlninn, l•iJ\.DRAS.

42. Shri Sundararajan, Deputy Regis Grar , Office l)f tlN Registrar 0f li<l0perative S0oieties,

Tawil No.Ciu, lil.i\.DRAS •

Distri<'t ueutral (;nnp.,rntive Bank ---------------------------------

43. Shri ~·. V .Nat<osa Tj!udaliar, Viee \.haiman, nludras Distri<'t (;entral (;nnp<orative Bank 1 ~.<~\DRA~.

44 • Shri G. Gam: san, Dir<-otf'r, i•!a.Jras District l-en tro.l vn••pera ti ve Bank, i.lAD .H.AS •

45. Shri u.Narnyan2.S~ Naidu, l)irectnr, madras Distriot ventral (;l)~perative Bank, ;.iJLD .ru\.S •

••• 7

46. Shri 1L'1gasa n, Dire<:!tnr,

7

Madras District t;entral lnnperative Bunk, . )!Jillili\S.

47. Shri Jnc.eph, Dire~t.nr,

:.Iadras Diztrint {;tcntral (inoperative Bade, !:i;\D;l..i..S.

48. Smt. Alamelu Appad.nra.i, Dirunt,..,r, JJad rns Dis trint ,,(;n tr'al \r.l'lperative Batllt, MAD1-.1~.

49, Shri A.S.haman, Direntor, ;>Iadras District vtcntraL ()(\operative Bank, M.APF.AS.

50. Shri Thangaraj, Secretary,

Madr8S Distrint (;entrdl Ur>operative Bunk, i:ii.ADF...J'\S •

51 • Shri ldu thu SwaiDJ , Assistant Seoretary, Iviedro,s Dis-+.,rict (;entral (;Onperative Il{lri<, MADRAS.

52. S.1ri Palanio.ppan, Exe,.,utivG ()ffj_ner, Madras District (;en tral lTlnperfltivEO BW!k, MJWRJ..S.

53. Shri L't:va.das ~ Ac<'nuntant , Madrns Distri~"t (;entral (;nnperativc Bank, WJlRAS.

54 • Shri Vinayaka :clurthy, Dew ln pr.J'- nt ('i'fiN: r,

;,rndras Dist~i.•t t.e:ntral (;onperati':e ilank, •lAIJF.J.S.

55. Shri Sivaraj, Secretary, Ramnad, Distri~t vnnpera.tive Bank, ,wwu r;;u: •

••• 8

56. Shri Natroj, se~reta.ry,

8 I

South 1\rMt Distrir:t \;entral <;onperative Bank, UUDDJ.li)P.E

57. Shri N .SubrannniFllll 1

Viee uhoinnan, RaL~nad Distrint unnperative Bank, hiADUF.Al,

58. Shri G.Rarcnswa.my, .APsistont Secret2.ry, fL<Jrunad District 0en tral v•rperati ve Bank, ;J.iJJU R.,,I •

59. Shri S .A.Kupusamy 1

Di:ce,tnr, ~bdurai Distrint uentral uooperative Bank, li!ADURAI,

60. ohri Mohrunraed Sahib, Thlli.ruging Directnr, Madurai Distrint (;entral <nopera ti ve Bank, JI.WlURA I.

61 • Shri \; .Satyanorayana 1

Ge"rge Town, Urban (;nnperative Bar~, lilA.DMS.

62. Shri A.Dandapani, Se nretary,

, Perialrl.Al= Urban uooperative Bam, PERIAKULAL!

63. Shri I.1,1nhamned 1

se~reto.ry'

Uttrur;~1ulayam (;()operative Urban Bank. UTTAMPAL.I\YAM

64 • Shri <; .P .Krishnan, Kndaikanal (;noperotive Urban Bank, K OD AIK.ru-'10:,

, .. 9

I 9 I

65. Shri S.V.Kalimuthu, Dire<ltnr, PEoriakul::m Urban uonperative Bunk, PBRII\li.1JLAI•I.

66. Shri p,Pandyun, Direntnr, Peri3lcuL"'ffi Urban (.;<)operative Bank,

. PERLJ(UIJ\.lil.

67. Shri Rujalmananun, Secretary, Dindigul (.)nnpemtive Urban Bank, .DHDIGUL.

68. Shri G<lvinda :Pillai, Direr.tor, Dindit,>Ul vnnperativc Urban Burlk, DINlUGUL,

6 9 • Shri Pet tan:l.B amy , Secretary, Batlagundu l;oe>perutive Urban Bunk, BATLAGUliDU •

70. Sbri h!nhammed 1\.bubakur, Secretary, Madurai Qooperative Urbun Bunk, liJADUPuU.

71 • Shri S .Laksb..manan, ,~gent,

ivladurai Distrir.t l;entrul (;ooperative Bunk, jiJIDUEi>I.

72. Shri V .Ganapathy, 1\.cf'munta,lt, Periakulam (;nn;,erative Urban Baric, PER I.AJ...'U k<:·,!,

73. Shri Surkar'lnero.yanan 1 .1\.nnountunt,

WE S T

74.

Periolcul3lll lln'lperative Urban Bark, FE RIAKUk\.:.1,

B J.:: ~;r G A L

State (;n"peretiv.;, Bank ----------------------Shri T .£-!.Sen Gupta, Jnirrt: Registrar, (.)()operative Sol)ieties/ (;)lief Exenutiv<O, West Bengal State uoopcrative Bunk, OAL(;UTTA.

••• 10

10 I

State Larrl Development Bank ---------------------------

75. Shri D.R.l:iukEcrjce, Jnint Registrar/MatlgEcr, Central k.nd Dewlopoent Bcnk, uAL<;UTTA.

0onperative Departotnt -----------------------

76. Shri A.K.uhatterj<Oe, I.A.S.,

Registrcr of vnnperutive Societies, West Bengal, uALwTTA.

77, Shri B.v.i\flitro., .Assistant Registrnr rf (;nn_i)erative Snt;ieties, Ciffine r> f the Registrar of unC~perative StJnieties, vAI.WTTA.

78. Shri G.Biswas, Jnint Registrar/Chief ~xeoutive, W"'st Bvngcl St1:'.te 0<'";)t'rL'.tive Unin n, (;AL(;UTTA.

Prinl'ipals ----------

79, Shri R .D ,p .Sinha, Prinl'ipal, (.;'nr•pe rati ve !llraining uollege, Bihar, PATNA.

80. Shri D.N.Pal, Prinnipal, (;n<'perctivc> Training (;nllege, West Bang::-,1, KALYANI,

81. Shri ~.K.Nandi, Prinnipal, Ur>op~rativc Trsinir~ (;entre, /lest Bengal, UTTAHI'Afu\.,

: 11 :

82. Shri Y .D.Deshpnnde, Principal, D.n.Go.dgJ.l unnper::~tive Trainiq; V1llege, !i.i.:').hc.r8.Shtra, NAG PUR.

83. Shri Gulabr'ln Patil, ~i.P. t;hai run n, lfuhnrazhtra State (;n"pcrative Unin n, Bc.MBAY.

84. Shri M.S .Palnitkar, l.A.S, t;nmmissioner fnr unnpemtion an;l. Registrar of uonperative Snr.ieties, Maharashtra State, PuO!i.A.

Reservt B2.ok nf India :

~~~~~~!~E~-~~~~!-~~E~~!~~nt

85. Dr. t; .D .De.te;y, Ex~e cut i vco Direr. tn r, Jl&rinultural (;redi t D(; pa rtmt: nt, Reserve Bank n1· India, BLMBAY.

86 • Dr. S .:E.:•k!.hab al , Joint Chief Llanag"r, Reserve :Sank nf India, BOi,JlAY.

87 • Shri G. V .Raoe Murthy , Deputy uhief Ufficcr, Regi<mal Office, Agrirultural (;r<:;d.i t D•:parto(;nt, Reserve B~ nf India, i.!.t.DP..AS.

••• 12

: 11 :

82. Shri Y .D.Deshpnnde, Principal, D.n.Go.dgJ.l unnper::~tive Trainiq; V1llege, !i.i.:').hc.r8.Shtra, NAG PUR.

83. Shri Gulabr'ln Patil, ~i.P. t;hai run n, lfuhnrazhtra State (;n"pcrative Unin n, Bc.MBAY.

84. Shri M.S .Palnitkar, l.A.S, t;nmmissioner fnr unnpemtion an;l. Registrar of uonperative Snr.ieties, Maharashtra State, PuO!i.A.

Reservt B2.ok nf India :

~~~~~~!~E~-~~~~!-~~E~~!~~nt

85. Dr. t; .D .De.te;y, Ex~e cut i vco Direr. tn r, Jl&rinultural (;redi t D(; pa rtmt: nt, Reserve Bank n1· India, BLMBAY.

86 • Dr. S .:E.:•k!.hab al , Joint Chief Llanag"r, Reserve :Sank nf India, BOi,JlAY.

87 • Shri G. V .Raoe Murthy , Deputy uhief Ufficcr, Regi<mal Office, Agrirultural (;r<:;d.i t D•:parto(;nt, Reserve B~ nf India, i.!.t.DP..AS.

••• 12

2 :

1 2 , Shri C .S , U i;lD.d i, Babkab Urban 0o0pcr::ti V(; Bank

• 13. Sl~ri S..trc.jmnl Shtnkand,

Hnrynn,_o State 0'""'perativc Bank, (;fi.tu\'D I G1'-'"'·

14. Shri (}.Sute~sh, Keralu State 00nperative Bnak, TRIVALIDRUlfl (Kerala)

15. Shri u.S.Jain, Alwar uentrol (:nnperntive Bank, (Rajasthan)

16. Shri M,L9.Xl:J£l Reddy, , Mulkannnr t;nnp8rati ve Rural Ba:ic, (A.P.)

17 • Shri S .lilnhipal S il16h, Enryana Stat(; (;nopEom tive Bank, t;HAl\DIGARil.

18. Shri Saty10ndra Prasad Singh, BD1ar State (;Q()pcrativtl Bar>-k, P.ii.TNA.

19. Shri Satyanarain tlingh, Filiar State (;(lnperative Bank, PATNA.

20. Shri G.K.Ehat, Mn.'1abr>l~>swar Urban <.;ooperative Bank, GLKtulAN ( 1lys 0 rE- )

21 • Shri S .Prasad, BihEx State u00perat i.ve Bank, PATUA..

22. Shri tl. Vasanta Murthy, Distrit"t (;<.:n tral (;onpoarrcti v" Bark, t;HITTOOR (A.P,)

23 • Shri H ,;,!, GuJ. te., (;{'nperc.tivc (;..:ntral Bn.r.k ~

KOTA (Rnjasthan)

24 • Shri r·;. Se l vc,raj , U"''perc1tive Sub-Registrar, t;UDDALVIG ( T·=il ii;::Ju)

••• 3

I 3 I

25. Shri H.u.Moiiiani, IL'\justhan Stat.:: (;n"perativc Bank, JAIPUR (Rajasthan)

26 • Shri !,I .R .Satnarayana, Mys0r<o State <;o<Op<erative. Eank, BANG AGvlili •

27 • Shri :Rnr.wir Singh Ic.ooa, H-:tryo.nrl Stn Gt (;f'\f"''}J8 rativE. Bank, U.T-:I.A;.-IDIG.A:.-L~.

28. :Jhri K.id.F .!Taclnrnjan, t;n0pera ti ve Sub-Registrar,

(Tamil Nadu)

29. Shri J .Sir~h, (;,;ntral \..'l'lpECrati·.'c funk, BlXilliE.:R Lmjasthat1)

30. Shri Gaj8 Singh Lohan, !bryan:~ StatiO V"'pcrntive Bank, t;HANDIGA~I,

31. Shri Ballur Sir,5h Suini, Haryana S tatt: l;onr.ara t i vc Bank, vl!Alm.LGARH,

32. Shri Deepnk \Vahi, Haryana State t.oo~~ratL-e Bank, <MANDIG.tkfrL

33, S!'lri S .Ji.lliel1ra,

34.

Distri.;t ,_,,.ntr::.l c;r>'•r,er?.ti v"' Bank, AL'<iArl (Rajcsthan)

Shr i i. .u .l?al::nisar:.y, lilettupalt!J'at:l (;n·· r,.:: :re:tive Urban Bat~c, (Tard.l ~!adu)

35·

36.

37.

Shri t; .S .R;,vanna, Senior Grul.e; Auiii tnr, (c\l,ys0re State)

Shri K.7t-da Yyasa Ohar, Distriot (;entrC\l l;nrpcntivc, Bank, :BELLARY (tiysrn<:)

SJ~i 1: ,Sn!nD..Sundar.~..u:, Extension Offiroer ( (;l)npn.) TIRUP:b\t!li.;!DAL (Ta:D.l lied;;.)

... 4

: 4

38, Shri Rag.."Juvir M::uihav l'ni, Honaval' IJI"l·~per::.tive ·urban Bank, ~\YSON State •.

39, Shri R.R.Rnn,

40.

J.rys. Vysya (;c>npe rat~ ve Dank, D:!A.K>'AR, (lllysn:rG State)

' ,. Shr1 ·~agappa, Manali On-.pGr£:tivtl Banlc, (H.Po)

4 1 • Shri S .K .Kura nd wad , !.i'lllg'l.rrl. Urban li00peor'l.tive :Sank, (lfJysnre State)

42. Shri Bun How, liati~m:l Off ire 0f Or"peratinn, (fnreign S<ll:olar fr'•!:l Afril:'a)

List n f I~1StHut inns whirh replied tfl thG <iU'-'S'tionno.i!'(;;

43. hilnz.,·hal Pradesh State UOnp~rative Bcnk, Simla.

44. Alleppey Distri()t Vr:>perative Bank, Kerolo..

45, Kangrn Central '.JG•'perative Bank, HirJL."tl:'lcl P:::-ad esh o

·~6. Saugli Distri0t l;<ontral IP'lpemtive Bnnk, Mcl1 nr:lnh tra.

47, PoltY!ich,;rrj· State Onnperctive Bank, Pn nd i r.t~e. rry o

48. :i3havnni Patna 0-.:ctral On >pcr8.tive Ee.nk, Oris Ga.

49. Punjab Staw l.'Orpero.tive Bank, Punj::.b.

• •• 5

I J

50. l!'azilka (;sntra 1 Unopc:rc:tiv'' B~!i\: 1

Fazilka (Punjnb)

51. Jcscul.l & Y.Cl.Shnd.r Stnt•, <.;oop<;ratiVt- Bank, Srlnat_;&•

52. Nasik Dis t.rit:-t Luntra: UC"~··lp~;;m tivt; Bank, I~~artJ.Shtr~.

53. Rl:.tnagiri Ili:ctrio:-t t;er,tral (.;n(1pcr:~tiv8 Bnri:, M:UJ.g,rn..sh trn..

54. Oris~;c. State Of"'"'p€~Cltive Ba.nk, (.;u ttnok ) Oris sa.

All-India St:o.tc ()nf1per'ltive Bnnks 1 1"'e;;dr~·ratinn, Enwbcy

55 • Gnve rru~,._ n~ fl f ·,iu.: t I<e ngal , (.;n'>p~r~•tive Depnrt::1c.nt, N<"W SeGrE:tariat 'luildin£3, Cnlouttn.

-----------

ANllEXURE - II (B)

(;O;i.'·.ITTEB FOl:l lil•Ul'ERATrl? TRAE!IllG

(llntio ml Qnr>p<:rative Uninn nf Itldio) 34, South P::tel Nagar, liew Delhi-B.

WO~\KING GRu'JP o:~ TRAEHN<l IN UOU?ERATIV,;. BANKING

QULSTiui~NAI:&

(tr· b:: answered by Ex,Partioiponts)

1. Nm1e of the pnrticip~nts and desi.gnation.

2, Sessin n and the year in which ynu underwent training in lJ•)nperative BankiO£; at Unnperotive Trai. ning t.nllegc, Madras.

3, What is ynur nvernll i.mpres:oinn abnut the utility in und<org•>iug the O"urse ?

4 • a) Dn you thitlk: ·~nErt the ,:,r.cse nt duratinn r,f 16 wet.ks in alright ?

b) If nnt, inclir-ate whet!l8r the: duratir:n ::;hr,uld be increased or decreased with rt.nr.nns.

5· Dn Y"U thiok whether the present inttlgrated basic c0ttrse in oroperative tanking is suitable f·~r all intermediate l'lategr-ry r·f functionaries in tiw bao!·: performir-.g different kincls r,f functinn:J ?

6. a) Dn you think that there is reed tn intrr'dur-e scpo.rc.te jnb. t',/'IUY88S ff'1r c!:Lplnyd~S

perfrr~ing diffn-ent kinds of func·ti'ltlS ?

... 2

: 2 :

b) If s~, sugGest th~ suitable type of j0b Cl·"llrSr-s wi t'1 reannns.

7. a) In view nf your suggest inn f"r intrrX!t;oing sui t:)ble ~nb coursr-s, dn ~mu t!1ink the present integrated MUl'se in Con:r;u I':ltive Bankin.'~ should IJ('Intinue t•' be o "lr!dueted at O.T.u., Mc.dras ?

b) If sn, indicate the: nategory of ernplo;:ees M be trcined nnd the modificatinr.s nL:ct:ssary.

8. Do ynu think that the cnurse contents for th0 present int~csrnted r'"Urse are suitable ft:•r th" ewplr'y.,es fnr basi•' t;,;rf')undi1·Jg in various nrens of 2c,nngeru.:, nt and functions in a bank: ?

9. ·;~na.t ure ynur SUGgeGtint13 f()I' impr~"~venc:nt in resJ.>Ect nf murse ""nte;ntG ?

10. ':i'hcther tt:aming / trninin.:; ter-b1iques a'i"pteu at t;,•r.o. are cffer.tive ?

11. V•'hir'.h nf the teanhing/training t;ochniquEOs adopted yr:u fin:l m'lre useful and effer'tiw ?

12. \,'hat further tt-l')hniqu~oc; d"' yrn suggest to malcc it mnre effu<"tive ?

13. n) Do you thin!: that th•.J training waT.erial l·'l~Vidcd - bnr;k:s lit8rC>ture, etc. duritle; the crvJ..cs...: w1-r.; adequate ?

••• 3

' 3 s

b) 'llhat aN y'lu= su,;::;estinm in this regard ?

14. • a) Dn yr)U tl1ink that arran,;emcnts fnr prafttical training arE: satisLcctory ?

b) Give suggestions tn improve the prr,ctical tr3.ining itw.luding arrane;er:c nts for practical trainin;; on the cno_~;us.

15. a) Dn you think the prcse nt oystcom nf evaluati~ t!l8 psrf•':rnJ.c;nc:t; 0f the partie ipants satisfantnry?

b) i?hat sug0;estions ynu make fr:>r effecting impmve;mvnts in this reg.SJ.rd ?

16. Do ynu thir.l~ the"·.; training availed r,f by yrru. have been prnperly utilised by the Bank ?

17. a) D0 ynu think thc'"l t the tmining has Nally imprnvud ynur v.bili ty in perfnrrrd.ng ynur duties efficiently ?

b) If s~, sp0cify the ar~a in which you have b·-~n cblEc tn JJ<:rf"rm ynur ciuties efficiently ?

18. \Vhethe r the traiuing helped in your nareer devel'lJ:·msnt ?

19. "rihnt sugg\..;s-.. inllb ynu will r..::--:.kt: ft"'!r Jic'Jking the flar'E't.r d<.v-,lnpmLnt aft.cr training mnst ,_ff\:ctiv<:; ?

••• 4

4 :

20. t:~) Dn you think tho.t th<:n is a nEOed frr :r;ost treinine; incc;ntives?

b) If sr, , i ncl i !'a t~c y0u:::­sucgostinns;

21. Any other recJarks "r su.;,sustiorn ynu wish tn mal,;:·.:; •

A'.itfi,JI.URE - II ( u)

,.

UL\·!.:·_1IIrt·TI~i~ ?1..~~ wUPt..RAI'IV:t: S·RATI\I:~G

( Nc.ti·..,nal !;rv perativu uninn "f India ) 34, Sruth I~tel ll".gnr, ""w Dclhi-8

,, ·,;uRKL:G GR<..U:t lJ,•: TRAL'II::G r;: UUUPliRATIVC bA.GllW ------------------------------------------------

1. Nam8 nf thG I~titutirrl Depnrtili"11t el··ngwith addrt;ss.

2. \f'hether ths Institutif' q/ Depar·tm0 nt lJ.as availed facili ti<es for tr:J.ning in t;nr•r;c. rative Bank in;; cnn<lu ··ted at l..nnperative Trainifib v>llege , ~lad ras •

3. If sn 1 :r-l'-'ase fu:r-n~sh the d0tails nf the nunber nf enplr-yees deputed fr;r training.

., Nn. ~f emplnyees deputed f~r Traini~~ . 1968

4 , Plt. a£: c furnish th<' d0tails nf enplnyces, l'ladr<.N;ise, a.v~.il8blc f"r training in C"''l?" r~ ti w bankinL>

• ., Pa.rti ~~ .... lars T·•·tal ~otul qf C.':'.dN '1" .nf .Nn •

t:~;cln- traiood ;z:ees o

Yeaz·-wisti T"tal

1969 1970 1':171 1972

Untr:llned ~In .nf Loplrye"s b:J."klf'Jg t·~ be r~..,ruit8d

till :f.~ nrv.ri St.; •

1972 1973 74 75 76

••• 2

77

· 'i, ·,,'hut c.N y~\1:>: trainin,s .~<luir..:.:1n"nt-J cJ1d h'"'w dl"l yf)u plr...n ov depute 8rupl~.':Ci .. :f.i f<'r t ra.ini(.g i"l L~~lJE;r'J.t~vc .3a.ckin.s ?

2 I

Po.rt i 0ul:n·s nf t..uclr~.

Phc..s e;<l F!"'gra~.:<e llf de pu ta ti ·,n ff)r tr3ining 1973 1974 1975 1976 1977

6 • .::t your ;~ODt.~ttni0ry'depo.rtlll..:;nt hc:.s nnt ~.vr ;i.led the trc.ining fucilitie:; in ()nr,per:;tive banking, inrliiJatE: whe t 11e r it Wf;.S due t,.. any ,,f the f':lln•::ing re.:1son::;;:

u) .Adm::.c,istl-c:tiVI:, su,h ns absence of aadre, le~vE:/trnining rEosc.rves, l:~0k nf ftnanr~; nr in-de!lisinn,eto.

d) Inng durnti"·' nf the M'urse.

:i) Lur·k •'f inrc<"ntive, su"h as pr<'anti•·rn, tOc.I'Cer devel.~pmc;nt, :tdvan"c inr·cc.o.cots, etC'!.

g) J.ny "ther Nasr.n.

7. •,,'he the;r arr3. q:!,8ili<>m;s qcist tr iL1pa1:'t induot inn tr::cining/in-'<.: rvil't: tr:J.inine; t" the 8ll.cJ.•l<'y<:<:s nf tO;~ within thv i,1stitutifln .;.ts,;lf. \r rw, give d<:to.ila aLc.u t the na ~re and ''•nte nts "1 th~ }Jr4··~rC:.L~i~..:S' ::lS 1ll.S0 pf"l~S in,C\.1 fc.cili tiE.s ::l.L:.d t8a1:!ll.in;. Q.Tra~t;~l·le ats, et~ ..

••• 3

: 3

8. In r.ase tht:re ::r·2 n" i~~1te:rnnl -'lrran;_;:.JJ•.nts, l:ldir-c,tc. wh<:th.cr su f"h urratJgGt:t<:nts s':!nulcl b" !Dele in bl{;ger """perc.tivc tr:.tok:o fr•r indu,..ti~"~n/in-s8rvi~"e trc.initl(; befnrE: new renruits n.:rs ;out "tl

j11bs o Givt. dl:tnilcd., s~J.t;;[;l:Stinrn.

9. Is there any l"fHW;Jnn training arran1;ci:!Io:nts ,;cr.dc by tl1<- ,..nnp~rr,tiv·-·

be.nks in. th8 st:-,tc ~ su,.h ~s ~fJt:.~L>li­shL'lent "f a tr~ lnir._; institut.c, fnr the traininr-; t)f bar.J1: L.Ei:l"J'"-'LC v1ithin the sto.te ? If on, give dc:tnils. 1Us'1

suggest h~"~w the n~tivitic.s :•f thu cxistin,~ institute; t'·'uld b(; linked with the:: rel~vc.nt trainin~ !:.roc;r8.!-::.:,{.;0 aa;~.inistvrcd by th"' .l;l"lm'littu<e f"r Ur"\"PE:r:._~tive Tr::~iC.ling.

10.HaG thu training inpartt.d <1·t C.T.C. J,bdras, tn the bank c;u1Jlnyteea deputed fr.r the (•'lurs.;s h~olpt.d

in perfnrr.mnnc; "i' thc.ir duties bGtter by

a) Adding t" their knnwled,;t- and skills

b) L::!prnvirJ,?; the; ir ft.<nl"ti"nal t::ffinien'lf

c) (;hanging their nttituu"s tn;•IC~rds tht.ir jnb

d) Ir.lJ.r"Ying their bd:cviour with their fell"w wn:rko:rs ::.n:! the: I" lie nts

e) r.unimisi rl(; th<eir £ff"rts <:tld lnbnur

g) Gen.c-r:1lly t)<>ntributin,; 't·"l the f'r",;r.css [ltld !-I"'Spc.rity rf the insti'tUtir.n,

11 o·.i-1l:!.t pnst-tr::-~ini~· inn.::u~..;iv-.:.3 ~r ::·IY"S!J0r!tS

r.f ()a,rc:oor dvvclnnc;c nt ="- nvailablt. t" ile< traind!S :J.Jt.: r trainin;; ?

••• 4

I 4 I

• 12. Wr.•,thc;r th<- pru;ent pattern "f

the b::lsio ('f'l~trzt.; in ,,.,nl,tr:).tive) bnukiOG (as indi,.,ntcd in the syllabus e n,.,lOs<;d) onndud<;d c.t UTU, 11a.drns suits tn" needs nf all int<.D.l8d iate level funr·tj.o rnries r.f your b a."lk ?

13· ii'hat art; ynur <-xp<;ntatiorn from this r.nu rs~ ?

14. \"al(lt art; ynur suc;c;estinns to DUke th•o ,.nurse mnn; suitable and. cff<-rtivro tc· fulfil yrmr require­n!E:nto ? PleoS8 ci ve ynur suggestir:ns in r<.spert ~"f Juration nf the cmu.rse, onnt"nt nf the nnurse, and prartinal trnining, etc.

15. (;nnsi:lE:rin,; that trainit1..g is a cr• nt inunus pr~"n vs s, vruld ynu like dlifc:r.ont funr.tinno.ries tr be trained in shnrt--ter"'l funrtinnaJ/jnb-n~urses, cu,.h as f"r ar,cnuntants, branr.h oan::gers, b~cnk insp E:"tnrs, supervisnrs, etc. t.., dc:velnp their ,inb skills as al en tn orient thc;w in tht. latest prnr.t-dures aad 1-rantic.:.s nn a fun0ti0 nal Oasis ?

16. Ii' y0u ure in fo.v0ur of j0b--<'ricmted r.r·urs.:.G, what type of Cf'Urses vl"•uld y0u su6 gbst ? \lith cr.ntents and duratinn'Z

(;om;ents in tenns nf subjer.t/nrens tl'l re

17. Dn y0u think that the present intee;ratcd basic "nurse in r()f)pera­

tiv<- b[ltJldnt; shnuld be crtntirJued in audi ti0n tn the> inti"'dur'.ti'ln nf funr•tj_qnn.l onursc;s fnr different types nf fun•·ti0naries ?

----------------------------

••• 5

I 5 I

18, If sr-. , ird i" ~t " th" typo:; "f funr>t'.:_n c-.u-i<'.s or·. a- d "l'U ti..d f-r t'.~is intogr':ltvd 'Ja.,io c•nurse.

19 • .l\t"l..;:; ·""~tht.:;r sucg(:·::; tir·r..s ~you

·,. uld like. G'l ·~ffer in re.;?U'd tn Tr,.·.it:iH~c in (;n••pcr:J.tivc 3~\ ~.1k: i rli.J •

Ai'1lfr.AURE- I II

PP.ESElf:J' SYR,J\BU S FOR THE. SPEt; L\L (.;C.JURSE IN (;00PERAT IVE BANKING

Subject:- I:- Late::;t Development in C.-ooperntive Practice and Cooperative Law

***

A. (;OOPER!J.TIVE FRA(;TI(;E

1. Frinl'iples nf IJ('Inperatinn: Basic OQD.cept nf

cooperation - V0luntary assnciati,n, demnoratic

manege=nt, equitable <listribution nf pr0fits­

cc">niJmic "rganisatinn.

(1 Period)

2. Histnry of ll•l"p~rat ive Mwement in Io.dia

a) Pre-independeo.ce develnpment - Early experiments.

Rep0rt nf Frederic J:icnnls0n - passio.g nf

1904 and 1912 Acts - R..;pnrts nf MacJagan unllllliitte..;

end Vlnp<.rative Planning - Impnrtat Rer:,mmendati"ns

b) Post icdepenuc.nc<J devc,lnpl:l~Snts - Rurfi (;redit

Survey U"mmittec - Main rec0Lllliendati'>tlS -

Emphasis ntl C<~ 'pere.tive Development fr>ru Second

Five Ytcar ?l'ln - li.es·1lutinu of Nati"nel Devul<·pment

(;•,uncil and t;110pemtive l:'nlicy- (;nnstituti"n an<l

functinus nf the N!\tinnal (;n·•perative Develr'Jll:l<.nt

(;l)rp'"lratirm - (.;'nm::~ittec nn """pero.tiv€ t;redit -

(;nrm:d tttce 0n (;"nverative Adninistro.ti ,.,n, Miruhe.

Cnomi tt<:e - Itnpnrta:t Rt·o'·=endaLi0ns.

o) ?!'0gr<;.~!llllE; nf (.;"'' 'P" rat ive Devel·-·!Jr..t:..nt in the curr<;nt

Five Ye~ Plans.

(4 hriiYls)

3. Diffurt;nt typvs '•f v·--~·er!l.tive s.nnietit;S -

(.;bnracteriotics features - cnnstituti"n- nbjeotiv<=B­

wnbership1 funds - CJarlllt,;CI:Itcnt - ;:wthrxls nf finenoe,

distributirw "'f ;:>rMi tEl twl gencr-,U vnrkirJG in

••• 2

I 2 I

respect .-:-f th(; fnll~wing typ<.s nf on0perativEl

institutinns (a) l~rioultural ureuit Societies,

(b) Service unnp~rative,(c) Finnnr~ng Banks,

(d) ?rir:l=y and UtJn tml Larrl Mnrtgage Banks,

(e) 1~keting SncitJties at the prir:lary district

arrl rwex levt.ls 1 (f) V"·~peretive l'rncessing

Snoi~ties, (g) ON"•per2.tive Farlling SncietiEJs 0f

differt:nt types' (h) Onnsuoers I un.>perati ve

Snoieties, ( i) Dairy, i'0ultry arul Milk Su; ply

SnciEJties;&(j) different types nf Iaclustrial

Sncieti<.s.

4. Latest trends in i,;O"p<Jrative ?ractioe

(e) UnliLri.teJ t" limitt:c liability, (b) Single

I'urp0se t'~ !tfu.lti-purpnse, (d) Unitary Federal

l;!..ntral Orgnnisati:'tlS, (d) Linking nf (;redit

with Marketing and &rnoessing, (e) Linking ntb.

Oonsuoers 1 nr<;anisati<·ns, (f) State Aid tn

(Ylnperative Movement - li'lle nf official and

nnn-11ffici81G in the mnvem:; nt.

Onmwunity Dcvvlnpme~

5. History end nbjeotives nf onmounity develnpment

p:rngral!JJCS in India

(5 Perinds)

(2 Perinds)

( 1 Perind)

6. :i:'anohayati Raj - devel0pment of the concept of

Panaheyati Raj - Denncratic decentralisati0n1

three-tier sy sten nf l'anchayati Baj - Villaee

Panohayat, Blnok ?anrbaynt Sanities, Zilla

l'arishads - (;>nrdinati'1n betwe(;n Panchayats and

Cn"peratives, (1 ?eriod)

7. Extensi'"~n !Jeth'1C.n

Principles arii l'hil0snpby 'lf extenninn wnrk -

cxtensi0n w·'rk ln Cl0."p.::rative mnvement - nature

on d mcthnds. \

••• 3

( 1 Period)

I 3 I

8 • (Jf)0ft: roti ve Le.w

1) Hist0ry of unAperativ~ Legislati~n in India­

uentrol. Acts "f 1904 anJ 1912 - Distinotiv~

fea.tUI"f;S •

2) Critical study 0f the ""''P"rative S"oit.tios

Act ond hules ·~f t'le cnnoernt:d Stnttls - J.npnr­

tant orene;es Cfte.r Rural OrE;'"it Survey

(Vmu:l.i t tee ,

Subj8Ct-II :- }rinoipl0s and Frnotioe nf On'p"rative Baridnt::

***

1. Defini ti"n nf a funk - Functinns r.f r1 Bnnk -

Oreatinn nf Oredit by ~anks - Differ8nt typ~s

(9 l\;ri'xl.s)

"f Banks - (;rr:J!:lerr.ial Bunks - Intlustrial Bnnks­

(;f)r>perative Banks - Law Dev• lr>pl!lent Banks -

Their impnrtcmt features antl W'rkine - Ne8tl fqr

separate P-benoies - Similaritie3 anl differ8nct:s

betweun unmraerc}inl and vo 'peratiw Bank&.

2. Oentr31. Banldnc. - Structure anl funoti0ns of

t;entrol Banl~s in c:nuntries like U.s,, U .K,

and Australia a.'> Clllllpared t"> thr>se "f the

Il.est:rve Bank: r,f Indio. with special refertnoe

t0 il{;ricul tural. UI·euit.

3, .A[:;ricul tural Finance: - sp<;Cial features llB

distinct fl"1ri! In<.lustrUJ. or.Ll l.i''·IJ:.lercial

Fimnce - Diff\Jrent r:genci<:-c pr"vidint;

a;;ri<:>ultural finance - re""nt treocs,

(3 h:rinds)

(2 :i:'c:rinds)

( 1 hrirxl)

4. :Prinary r·t;rir.ulturnl crc:dit S"cieties -

""rmtitutiron anl vnrkinc re.s•urces - lnanin~

and r;;o">v~,;ry - lat"st dev<:l"lp::nmts - unliLlit<-d

tn lil:.ited liability.- sr::tall size;~ t" lar,;e

••• 4

I 4

sized s··ciety - re,.nluti ··n t~ Nati0ral

Dcovl:l~-pm<mt V>uncil - Service S.Jci.oty -

Viability,

5, unnsti tu tir:.n, functi'l r:s and W"lrking nf

u1nperc.tive (.,entre.l Ile.t'.k:S - Latest trend

ru6ardi<Jt; th<, size area nf 0perati0ns am

0<1mpns it inn nf m!LlbLrship.

6, (;0nstitutinn, functi•Jns e.nJ. W'lrkinc 0f State

\;'l"peretive Banks - need fnr .Apex Banks -

F'edei'3ti• n nf ape:x barks - tVf'l tier versus

three tier system.

(4 ?eri0ds)

(4 :Periods)

(3 Periods)

7. Ruserve Bank "f India anu (;nnperativo WJV8ment­

need f<1r a,;riculturnl crLdit departomt -

cnncessi!"lnal finance - r"le 0f Reserve Bank "'f

India in d.evelnping financinc rc.nd ret;Ulating

the c•1nperative mrwement. l~<Srioultural credit­

Stabili.lJati·)n fund - its o0nstitutinn an:.!

utilizati0n at VP~inus levels - Reli~f and

Guarantee Funds - 0bjects credit t,uarantee

soheme unJ.ert'Jken by li,:B.I, in this recaro -

rr'le "f G"lverru:::.ent in this rr~t;ard.

8, 5tat8 Bank of In:lia anl l;'nperc. t ive Mnvement -

Fins.ncirJG nf Lmrketirl6 arrl o0nsurwrs'

o0np&rative:s nrrl Lan<l DevGl"l_.)LJent 3arllc

(5 ?erif'ds)

debentures -free remittance facilities, etc. (1 ?erind)

9. Eankint; iivc,"Ulati·•n .Act - :::Jackt::r"und - Ucei

f·"'r extendirJ.L bankitJG le(iislatinn t0 co•:>p.orn­

tive banks - imJ,;nrtant pr"lvisi·!ns applicable

t'1 C"l0perative banks - u~finitinn 'lf the

C0"perative bank ~~(1 bat'.k:ing- Maintenance of

each rc: serve - liquic: asse:ts - "J,;enine:; ·If

brenohes, restrict inns 0n investr,e nts -

••• 5

5 I

licensinc.; - DiNcti "ns nn,l insp .. cti0n nf

Hcserve :3ank ·)f Irul:ia, .. to., n.turns.

10. Hus'lllrc"s nf c,.•v~r-otivu lm.nlcs (a) Int.:rnal

reD curc"s - share cs;.;i tal - C." p0si ts -

Iql"''tanoe '>i' dq.>0<;its - DHfur..nt tyre;s 0f

deposits - Du pr•si ts i•!flbilisati·'n - .,r·'blt.;JJS

fnoing C·1'perativt:s - dUJ.>rsit insurrmce

srhene - cash f"r its ~xten.oi :n t·' C'l"perative

banks, (b) External resnurc.:;s - h~surw Bunk

nf India- S.B.I.-I.D.B.I., A.a.o., State

G<wertlD.cnt, ~;;tc. (5 :C,;rir.t:s)

11. Types of adv:1r.cc.s rr<'vi:led by O''''P"rntivc bo.nlcs

tl) c>recli t S0Ci\<tieD, oarketin,:; S"<'h;ties,

wcc.vers 1 C'"'""l)era.tivesr""n!JUI::lt;rs 1 C'"'""peratives,

empl~'yees 1 sncietit:o - pr'1oessinc ,.n~pumtiws,

industrial C''"pemti ves, cnnpe rative srinnir..e

an:l suc,ar mills - nthers - scrutiny nf l•,an

applirr..ti'lns - stanJ.ards - based nn net dispnsable

surplus, .:tn., scrutiny fflr advance lne.ns-

1:1nnthly returns - their cxamincti'1n ret:ardin..;

utilisati·""'~n and 0'"1VC~r renewnl recrvvery. (10 :turinds)

12. Investment P"licies - restriC'tir.n 0n investl!lvnt­

ncced fer ;e;.'lit;tuininG nc.sh and liquid reserves -

13. uo·,perative Urbcn .Janks- V'W:>titutirn, •lbjects

an1 w'lrkinc - pr>bl8us - fUture pr>sp~cts -

14. L'>rlg term orc>uit - Land Duv.:.lnpment Eanks -

NeeC. f·"'r oepe.rate i:JSti tuti"n - 0oj ... cts -

stru.,ture in difft.r•.nt States - pr.lct.L.uN f"'r

Lrant nf lc•r.,m; - dur..aroati•'n ·'f pUrp'':Ot.S Ut1~i.r

M.T .It··ans prnviJ.ed by nrt--it snoiGti<:s and

L.T. crt.Ji t pr"vid;.•l by Lc.n.: Devt:lnpovnt E>c..cnks-

••• 6

6 I

A,;ricul tur?l hd'inr.ncc ,.., · rp 1rr.t tr.n r.f India -

.. ···nsti tuti:·~n - .!t~:,.;S"'Ur~CfJ - t;,rp(;S nf P..S&istC.CCC

i.::J.j.J'•rtcn t t~rns c.n:J. C11r.d:.ti""~nn - ::Jp~.;;:,~ic..L sr."ht:.ucs

inr.cpt i·" n - l!i~o1L,,~an j"I!'Ei tte.. - li'ur~l vredi t

5urvey v:o,.;wi_ tteo - ill'-'hta Vlc:.::,:i tt:cv ··n (;c• perat:Lvu

Vre:J.it - i>lirdha tPwlli. tt"e "tl v • pe.rnti ·n

p1"esc;•1t P"·Si ti '"~tl - J.nintr; .lf strtcrJ[;th c~nl

wedcaess - un ... veu uev..;l'1p.;. ... nts - r.;r:ent trenlls

F'edo&re.tt· n ···f Apex 2a.nks - Nee~ frr N~:ti-1nal

;.,1 •per!l.tiv<- .Barks - .Ar,ri•1Ultur,-..i. i.ire•.lit

tPrp·-rati"n - neeC. - strcwture ·· w"rkint,

on rdinati···t1 aur•nt; &h··.rt ter-..: :;nd lr·n;:; teru.

lending agenr.:ies iu the o · ·~'"'-"'~tive CJIWc;uent. (4 :i?<:rirx.:.s)

16. Le.test do, vel "pment in Ilr.nkin~; in India -

pr.li,ies ...,f Grlvernmcnt rm..: l,ese~ve !oe.nk "f

Indil".- Nati •r,aJ.. t.r<odit vruncil - (;nastituti·'n

onsc fr.r its cxtensi· n tn ,~,....- ?erative barks

Nc.ti··nalis,._ti-m 8f banl:s ·• :t-r··viDi'l, ~t

fup~-:..···t n fjr)-..,per.n.tivc (.;r~<:..i t - ~V"",r,~inE'.tinn

betw8tn on···pcrative aal. O"!:t1er·~iF . .l tc'.nks at

v~.:ri "US levuls.

Subj<Cct-III :- i-r·o.l'tice.l Bankin.:;

***

1 • Ne:c:"tiac•le inst:ruG,;ntc; - defini tinn and

essential el<=C:'-'l1ts, <-tfl. i.·ills ~t Bxr-hange,

uhe:qu~.::;s - Hundi8s - E'rrmiBs-~ry i~')tcs - ThE:ir

kinds anJ. s;·o:;oial features - P"-Y~ler,t and

c..,llectir •n ."lf chequLs - Enrc ··rfl8mronts

•.• 7

2o

I 1 I

Crossi06- Relevant section,of tho Indian

:; c:t,otiable Inst~~cuts Act as a.;.endw up to

date.

'-l~>arin& House - Ot'>nsti tutio,, lfoiii: ing

(10 P .. riods)

(2 Periods)

} • Various Oredi t Insu·wnents - Letters of

credit - demand drafts - travelle1~ cheque,

etc. (} Periods)

4 o Danker and tus•Ol:le.o.•- Gen~;ral rt:latirmsbip,

involved in openin.:; and closing of AcCOWltS -

Special rela·,innship involveu in mandates

and pOwers of attorney - appropriatio11 of

pay.wcnt - sc1; off secrecy - npuning of

accnunts for vario;w catCGf'Ij' of cuatnmex·e -

~~osiog of accounts.

l'ART-D

1. Coop<>rativc uentral ./Janka - Loans and a.a.vwoes

t'J a.:;ricultural cr.,dH &ocieties (a) Short

ter.ll loaus - need fur cba~e of S~:~cul'ity basec1

finance - crop loan syt~te;n - repaying capacity

linked to production - essential features -

fixatinn nf scales of finaure - three oompolll nt

forl:lula - max:i.Iw.l l:i.r:li ta - prcpa.rati'lu of uredit

l:i.r:li t statencnt - vari·,u& ~>ta.;;es of sorutin,y -

seoannality iu .lt.nt:irg and rccove:cy - cnnsioera­

ti.nu by thl. (.;o'-lW:i t to.: - !itJde cf disburs.,ILent -

Ver1ficatici1 'lf u tilisations - demand anu

collection - linkiQB Qf croci. it vri th mark:eti[\g.

(b) :r"'dium tero loc.n - period- purpose -

preparc.tir>n of appliro'tion sucurity - repaying

capacity. (6 Pcriodt~)

2 o ·Relationship (Jf oe~>tral banks to prir..nries -

sup8rvis .U.o. of agL'J.cultural cre~it 60riEties -

v.::ri.ouicd. i1lsp .. ct1."n - rectificatiOn of

ooo a

5.

: 8 l

. de!eeta iovclup!l.le:J.;.t t'ru:out;h the .sta1'f of ce,n;ral

bank - s~pcrvising unions - their ~lo - need

latest trends - 110eu fcJr insp;::~tion nf other

types of sfloi .. ties f iaauco.:d - oxic. hog practice-

latest devdf>p;::. ... m;s. (3 l'eriods)

rrcparP..ti;.n ;;.f np)Jli~tinu u.nu sanction of

varir,us crcuit r.f licits for short tern at;Ti­

cv.lture.l l:'rliQit - m.'d.iut.l ',;em, war1:c·tir.g,

w<Javers 1 finance ani other purposes - their

sarction by R.B.I. and 0per:1t:V'n - utilisatinn­

Rcpayment-Nnn-ovexdue cnver minimum invnlvement

r1le ~f the apex panks in getting the credit

limits senctinn ~ nperatinn ~f the limits-

I:(;pa.yme nts, etc. (3 Peri'lds)

Branch Banking - prnblc;ms nf r.nnperetive banks in

Branch be.nking need fr r branc:h banking -

funotif'!ns 0f brooch..:s in disbursel:lent ani recnvery

0f L'1ans nnd supervisir•n l'lf pr:innry S·' c.:ieties, (3 l'eri'lds)

Inoatinn .-,f cnnperative bru:Jcs - builditlbs,

equipments and strr n•; I'l""'!ll anu c·,unter, etc.,

Size - Viability - (;ri terie ·,f vie.bili ty 'lnl

0pti.wum size 'lrecniDe.ti"nal inonrp0ratirn end

lice-nsing, s-;h;;duling, etc., Gen~:.ral Budgetin~

Functinn Sub 0.'LJrrci ttee and functinn.s - Internal

nrganisatintl Enard "f Dir(lntnrs, Uhairmn,

1lane.gi~ Direct'Jr/Secrete.ry - departuentalisati'ln

(seoti'Jn)- f'l=ati ...,n "f secti·•ns and departoents

(rnd&l) and their funoti-...,ns -. Soctinnal Heads -

organisatinn fnr internal check nnd supervisinn,

pnwers, functi·' rE anrl duties ~r chairman -

seoretnry/I:lanaging clirent"r, ooief exeQUtive

nfficer, adr:tinistrative nfficer and ~ther

i.r:tpnrtant :Jfficers - Del.ogati'ln nf J:hwers,

••• 9

•

I 9 I

Fers~unel l'0lioy - oann3uo~nt oaJru - recruitQ~nt­

s -urous end cet)1'1ds - training plR.nt - l:lto,,

fin~~oial mah?~euent - p0lioy - rusnurr.us ~'1bili­

sati~n uep~ures- lendice and invcstwent p0lioi~s­

o0st 'lf mB.Ill'lgem,.nt, eto., uargins - bu:l.getine

anl 0ther .,,.,nti"Jls, etc. ll!t:cb.;r Educnti'ln and

Public Rclc.tinns - pr<,blems {)f ooor<iiuati'ln

with nguncies aoncerned.

l'ART-Q

fup'lrtant Prnvisi·'ns rf different acts.

Nee;,.,tiable Ins-Gruoents Act

(10 l'eriods)

(2 hrin<ls) a)

b)

c) IPO Soot inns dealing with eobezzlem.nt 1oril::lina:l. brt>aC!l nf trust - tampe:ring with r..,o,-~as l2 !\;rinds)

d) Frr>vis inns nf In!Y'oe Tax, .Agrioul tural Ino"m<:

e)

f) g)

h)

TE.x Act an:l Bmus A"t

Transfer nf Irnperty Act

Prnvident Fund Act

Iatr">ur Laws

Ths Indian Lj_oi tati.., n Aot •

Subjeot-IV:- Banking - 000perative Aoc,.,unts & Audit

*** 1 , ?rinoiples 0f d ·ublt: entry lYl ~k-ke.;lJil"JG -

Journal am its sub divisi'l n- loccer and its

sub divisi,.,n.

2. Trial IlalanC'C - prqrarati0n- its VP~idity­

olcst><:S "f errnrs anC. their ruotifir~,ti"ns -

preperatinn r,f prnfit and lnso aoonunt and

balar.t: e ::;heut.

3. Sicele Entry - ::Jain f~;nt\.lres ll'lw it i:.;

in0'11!lplet<: dif:f~r<;nCE:: oo twe~n EJ inglu untry

m,J 6."uble entry syster:JS md cr0p(.rative

ac00unts.

... 10

(2 l'erinds)

(1 P;;ri0d)

(1 P"ri,.,d)

( 1 ?erind)

( 1 l-e rind)

(6 ;,;"'rinds)

( 4 ?uri0 d.o)

(2 Pt.ri'lds)

I 10 I

4. i'rinciples r,f o•:npemtivo aco'">unts - Hrlw it

is si~ple ~rrl scientific b~'">ks 0f '">riginal

entry in cmperatives - cash br,nk (day br"'k)

in primary s ~cietiGs - o'">lW!I!lar cash brv-,k

day b·'"J"l: with cash adjustm<Ont anu t::>tal

Columns - r~ cash chitta or screell­

ru~thr,~ r,f writing up nf day bo0k - its unique

pnsi tir.n and the rules for postiP.g general

anu subsidiary l~gors fr:•m the Dey Bnnk -

rvlati•1nship r1f subsidiary day bnrk with the

rurin <ley br,'">k - on~parist1n nf da,.v bn·lk in

C"''perativE:.s with the cash b'>•'k nf dr)uble

(6 Periods)

5. E0'1ks of finnl untry in cmperatives -

g(•noraL ledeer- its ~utonan~ - its unique

pnsi tir,n in cn0perative acc"unt - onmparisnn

with ecm,raL ledz:er "f d--uble c.ntry system­

subsidiury lecgers - f"r w~t aca"unt

waintained - relati'">nship '">f subsidiary

ledgers with the general ledger - reo·1nciliatirm

nf subsidiarJ ledger balances with general •

ledt;er b alanc;:;s. (4 Peri0ds)

6. ?reparation 'lf r<:c.cipts anl disbursem<.nt

stateuent frn~ the Gen--ral L<:dc;er - its

validity - H'lw different frno receipts and

pay!'lcntu ao<vunt 0f Double Entry B lrJk K~eping­

cc•r.rparis0n with trial balatlOE: - possibility

0f preparing triul balance fr0m Gene;ral

Le.:cer - ontri0s rEJquired in the eeneral

ledeer . nr preparati1ln of trial balance -

need f•lr m ntinuanc" 0f statwl:lents nf receipts

anl disburseruc:nt in cmperativ~s. (3 Peri'Jds)

7. Adjusting entries necessary f'Jr arrivinc at

• • • 1 1

11 I

o'"lrrect :>-rnfit '">r lnss - mde '"~f passing nnd

in~nrpnratinc adjustuent and olnsing entries

in e0nperatives 1 prc~arati'">n r,f final nocnunts

and balrooe sheet with thll statement r,f

reowipts and •lisburseoe;nts anJ 'l!Jening

balanO-i sheet. (5 ?eriods)

6. a) Oapital and r8venue e;x~..,oJiture - distinction

-deferred reve;nue expenditure. (1 ?erind)

b) Depreciatirm - fixed reJuoine 1 sinking fund

ard revaluation r:Juthods - c<Jth."l•ls used fCJr

varinus assets in on0peratives. (2 Perinds)

9. Oreation 1f Rbeerves in Cn°perativee -

Stntut0ry·Rllserve Fund- its investment­

Reserve fnr \.>ad aml doubtful de bte and other

reserves - ti'f.o.to.;nt in final accounts ar.d

bo.lance sheet •

10. Apprnpriati·'n 0f net prnfit as per the

prr,vis in ro "lf Aots 1 Rules and Bye-laws

declarntinn of dividends -treatr:Jent nf

a<>onunte.

(2 ?eriods)

(2 Perinds)

11. Prirrary Sncieties- Bn~ks and ReListecs

maintained - olassifioutinn nn the basis nf

Reserve Bank of India sturrl.ards - ])reparation

of final aco'">unts unJ balance sheet - non

credit activities - caintenanoe nf separate

ucc'">unts - J,reparatinn of J:r'">fit arrl loss 1

tradine accounts. (6 Pr:riods)

12. Central Cooperative Danks - Bonks and ReLiatero

maintaineJ - internal check and internal

uu<lit - their need and how internal eoplryed 1

Branch aconunts - kin:ls of branches - Pey

Office - independent branch - Inter Branch

••• 12

12

transaotinns - ine0rpnratinn of branah

aconnnts in Head Office aonnunts - branch

a<ljustoen to - how si10wn in the bal moe

sheet - Balance Sheet as per the Banking

Reculati!ln Act - critical analysis of the

Balance Sheet - Assessoent nf the Reserve

Bank nf India standards - preparati0n of

prnfn=a or tentative balance sheet as well

as anrmal balance sheet. ( 7 Periods)

13. Apex On~pere.tive .Barks Special features -

revolvine credit lim.t- its maintenance. (1 :Period)

14. Oentral Land Develnpment Banks- special

feature 0f acc0Unts - separati,,n nf debentures

aoC'Junts, sinkitl6 fund.. (2 Periods)

Audit

auJit

definition - objectives nf c00perative

difference between 00=ercial an:l.

cnoperative audit in c0nperative banks -

annual stateocnt and au<li t rep.'nt - verification

arrl valuatinr. of assets and liabilities

preparati·')n nf b0oks 1 statei:J.cnts 1 etc. 1

fnr

audit - action tn be taken nn audit repnrt an:i

placing the same befnre On=i ttee ahd General

Ilr'dy • (7 Periods)

ANNEXURE - ~

Assessment of Trainees• Performance

1 • The assessment of trainetJs 1 performance shall

be based on the f"llr:>wing:

2.

a) A recnrd nf interest arrl aptitude; quality of

notes, inoluding n-,te:J written fnr ocoasinnal

tests, participntinn in discussi->n ond extra

curricular activities,

b) Perl'nrmance in practical traini!J6.

c) A fir.al written test in whiC'.h questions sh0uld

be able tQ bring nut th!ol kniJWledgo arrl views

flf the traiaees nn spe cifio prnblcms ,

d) An interview tn be held by the Principal with

the help nf the r:lembers IJf the staff which will·.

have a d ireot benring nn the vTi tten test,

Fnr each of the nbnve fnur heads, grades like

A, B 0 and D ( cqui val<l nt tn LC~ruk s f.'.b ove 65 '

per cent, and betwtJon 55 and 65 percent betwe,cn

40 and 54 per oent and below 40 pur cent

respectively) <;h,uld be given. The final

cat9gnrisatinn nf the candidates' perfnrmanoe

in t" ri:lB nf Exec lle nt 1 Gnnd , Fair and Pnnr may

be 1'2.iie acc,:Niug t'l the meth0d c:xplained in

succe~ding paracra~h Nn. 5.

3. In pre~aring the certifi~tcs fnr the candidates

in regard tr, their heving attealo:;d and 00mplet\Jd

the onuroe 1 nnly those candidates whnse

perfnrLC~c.noc in t:1e final assessJ:Jent is judg~:;d

eitho:;r as EAoellent, GIJnd or Fair ~~be

oertifie:l as havitl(; onmpleted the OIUrse

satisfac;')rily. <;c.ndidato:;s w!1nse final

... 2

I 2 I

assessment is judged as 'Po"r', nay .be given

the oe;rtificate as 'nnt 1 having cntlpleted the

~urse satisfactnrily.

4. ~'he r1eth0d nf as<>cssrnent 'lf trainees 1 perfnrmnce

aL prescribed abnve cey be ad,.,pted fr.nr:l the

ow-rent sessi"n nnwnrcls. The results may be

finalised by the Principal with the appr<Wal

"f the uhairr..nn "f Ircal tnmwi ttee/Speoial

OnGltli tte:e as the cas<: may bE.

5. Meth'ld f·lr arriving at tl:.e final oateg'lrisa ti'ln

rf candidates~

Under each 'lf the fr:ur hea.G.s of e.ss.cssment, grades

nf 'A' nr 1B1 nr 10 1 or 1D1 may be given. These

grades may then be sUJJll:,ed up int') th~ total of

pnints at the: rate 0f every 1A1 c1unting for 4

pnints, every 1B1 for 3 points, every 1C1 2 p0ints

and every 'D' fnr 1 point. This tntal of p0ints

may again be trmsfnmed intn the categnries 0f

'Excellent' , 1 ~nd 1 , 1Fair1 and 1Ponr1 for fi~~l

as;:;r,ssment. Por this purp0ce, a candidate wh'l

cets a t"tal l)f 16 p0ints J:J£:y be c;iven the

'Excellent' oateg'lry in final assessJ:lent. GandiJa­

tes getting 11 t'l 15 pnints any be given the

catet;nry rf 1G0nd 1 • Candidates getting betweE:n

6 t" 10 P"ints be t_;iven the <".ateg•'ry nf 'Fair'.

The rest 0f the oardidatt;s whnso t"tal pnints

are uptn 5 only Dey be given the oategnry 'lf 1 Poor'.

A few oases are illustrateu in the table that

foll0ws -

••• 3

I 3 I

H~me nf Intt.:rest, ?erfr•n:e.nce Final Interview TntF\1. Finol thEe CM- aptitude 1 in written bast.: d. rm nf ASDCS~-

did(:3.t0 & <:to. J:•rP.ct icel "t~St written p~'"'~ints ru.:n ts Nuwbur trainiOG test

( 1) (2) (3) (4) (5) (6) (7) -----------------------------------------------------------------------

1 A A A A 16 Exnell<.nt

2 A A A B 15 (Jr. "1<1

3 A B (; (; 11 G-''xl

4 B B (; (; 10 Fair

5 0 () D D 6 Fair

6 0 D D D 5 l?Y'r

7 D D D D 4 J?·nr

PRES1NT !JODE OF J\i.>S:E.SS1iliNT

I.IVRITTEH TEST

~~~l~~~~~-2 - ~operctive Proctice & Lonperative ~.w.

Mid-term Test Fingl Exrug. Tntnl.

()onperative Practice 10

()ooperntive Law 5

~~£~~!_!!:~.:.-~ - ()nnperative Banking

30

~~~~~.£~!!:~= 3 - Practical Barking

Part 1 A'

Part 1B1

Part I (; 1

II, PRA<;T I<;AL Tfu\.INING

Observatinn Tour

Field Plc.cement

III. <;O...<;UERI<.;ULAR AuTI'riTU:S

Olass-rnnm performance

Assignment

Librcry

General Behaviour

10

15

5

20

15

70

25

35

10

70

30

20

50 -

100

35

50

15

100

100

70

80

150

45

25

15

15

100

IV, VIVA VUlB 50

GRAND TCirAL: 650

Fin:.1l Tntal T~..-;e t Tt:c~ t

----------~~-----------------------------------------------------________ l: ___________________________ g! ________ ~!----------~!----

(1) ·:lrittc_r, Tc;st

Sub. N":I

un···pcr:lti.vc; & Rur"ll 3unkillG :Prirl<dplLS & Ort..~o.m.sutinn

Sub.Nn:II

(;nnptorutive 8: Rur .:.1 ibnkin6 -0:1.~-cratinns o..nd i'/U1n:JGt:..~,~nt

Sub.;;,-,: III

unnpcrntive C.: Bural Ban.l;:inc; A<lllinistrC~tlnn nn<.l Aornunts

( 2) Prn,.tioC~l Tr2initl(.

(3) Viv2-Vnr.e

(4) l;n-,.urrif'ulnr n"tivitiw

(a.) (;lass-rf'lnc pGrf~'~Ii.i2.l1Ct.:? St.:CJ.inn.rs

1 clcbntvs,

as3igt1LlE. rrt stuJ.ii:..:s, librr.ry, c;t".

(25 l.1arks)

(b) Gcnc.rc1l beohnvinur, a:t=·titude, r-erti~ir:::!ti~tl

in ,.ul tural pr" !]ill':...J.-'6 , ·c tc. (25 11brks)

60~~ 100

40;b 60% 100

100

100

50

50

Gr'lr.:l Tnt::.l: 500

••• 2

2

In "rder t'"' bt: dc~lar~d sur:(:essful n oc.n<.lid...;..t~J LJust nbtain

40 per .~ent in the age,re~;ate. Wt: su, ,;;,:ot that in nroer t" r.;"tivate

th<O rartir.ipants, the sys·cc;n nf natec;r'ris,:nir•n shnulJ n"ntinue t,., be

fnllnwed. 1'he tr'!inees sc,uriP,f; 60 ;•<Or nE.nt a,1d abnv£, shr•uld be

pl1Cced under First Class; thnsc ser.u:rit'lt; b<"twesn 50 anl 59.0 under

Secflncl ~;lass and tLn,;e sLr.urirJG octwcen 40 anu 49.0 per C'btlt uncler

Third ul,-,ss. Furthbr, tht: systen "f <>.•:nrdin;; distin"tin n in indiviJual

subj'--~ts, \':ht.:rt:.--. o. ~2.u:J.ld8.tc sctt:·.J.res ?0 1x·r nE".at nn-i .s.b0v::.: tL':'!.rks 1

shf"'Uld alsn b\· int.rc""~c:uccd • O~.'!.~lUi.t~~-tt03 dt.:nln,rt,;d SUfl'('lessfu.l Dhf"IUld

bt.: J.w,;_~r.j,td 1DilJl""o.a in Li'"nlJcrt .. tivc nnd Rur::-.1 Bnnkiq; 1 whir.·h slJ.•""'~uld

entitle ther:~ t" be pr"f~E•sil'nally pl·.>.r.t.d c:t pc.i', o.t le:::st with

u •• \.I.I..D., and t:ic. ,,~,r:diclnt .. s hrcviot; ,_,.,hicvtcd tl1is Dipl•)i.i:l shnuld

usb oi'ttr their nnL<.I.:!S 1u.A.I.v . .B.' (!;crtii'iecl ABsoc:iat~ in

{;M!!Jerntiv8 Bnnkitl(;}. ·;rnil.,; ::C\'!rcr lin,_; th\. diplnua., th.o class and

the sub,jc..~t o)f 1Distitlf>tinn1 siY·uld LlS·"' b ... rtr>r-rcled ''tl it. The

dipl•'.n ic t,., be 2warutd uncler the sc:al 2.r~J. :1Uth0rity "I the ,.,entral

agc;n";{ in ,..r-ntrnl n f the; tnt ire' tr'lining prngrfc=t.

1'hc· r-,,ndi,htes s<;··uriro.g less than . .;.o per ct:nt in the

n.q;Nc;rlt'- St1"Uld b.:; derlo.rt;<) :J)J 11'nilt;cl 1 ,but SUf't1 UthlU('f'·"SSful

tro.in~Jt..:S Bhf"'U.l(l bt all:wt:J thrc.t. r-1'1-':l.nnus tn reupJ.'e~r in indi viUual

f:lpers, in vihicll they he.vc fnileU t·"' SCI"!ure minir.1wa pass n:Tl~s

whirh sb,.,ul:l. be· fix.c~l nt 40 per rent in ec.,.h subj" •t "f Vlritt8 n

exau.J.ir1..-"tti'1n (t!-tis i.3 P"t ~ppli<'."J.blt..: tr th~;.. h~c.Us r.f n,.::_:~:~ssr:l.E;nt

under r rn~"tinc.l tr.:linin:;, viv.: -vn,.,G nnJ. nr·-currir.ulr,r al'tivi ties).

Anne:wre - VI

Draft Revifled. Syllabus for the Diploma ·6ourse in Cooperative and Rural funking (DocRB)

Su~ject - I Periods 50 •

Cooperative and Rural Banldng : Principles & Organisation

1. a) Characteristic features of rural eoonom,y

in India end its place and Lportanae in

overall planned economic development.

b) Or~tical study of approach to rural deve-

lopment through Five-Year I'lans with parti-

aular reference to cooperative agency.

a) Study of the _r.ole-e.m importance of various

agencies in servir.g the rural needs and

mobilisati•Jn of rural sEwings with special

reference to 000perative and ~

(2 I'eriods)

(2 I'eriods)

banks (including natioQqlised banks) - Coordi-

nation ~etween various agencies.

2. a) Basic concepts, principles and ideals of

cooperation (reformulated principles).

b) Place of cooprative credit and banking

agency in the organised credit mechanism

in the rural eoonomy- and its·relatirm ·with

other .infrastruotural agenci•es.

a) Brief history .and progress of cooperative

credit mnvement - recent trends and deve-

lopment.

( 4 I'eriods)

(2 Periois)

. ·-· '

(3 Periods)

\ (3 Periods)

• •• 2 •••

3. a) Plaoe and importanoe of conJE rative banks in

th~ organised secto~ of banking.

h) Banking - its meaning, definition and func­

tions -kinds .">f banks (functional classl.­

f'icati ')n) • ·

(2 Periods)

(1 Period ) ~.- '

o) Systems nf banking - unit and branch banking -

deposit and mortgage banking - development

banking - Urban banking and rural banking •

d) Cooperative Banks and their role in exteo-

sion of rural banking services - recommen-

dations of Rural Banking Enquiry Committee

1949·

e) Different types of cooperative Banks

4• a) Oredit -meaning and definitions -kinds B!ld

fUnctions of credit - credit as input for

devalopoent.

b) Agricultural credit requirements - the needs

and the gaps - need for credit planning.

c) Pre-requisites for the success of agricul-

tural credit.

d) Cacp"X'ative credit policy -multi-agency

approach - recent :Dreads inoludine - Fifth

Fi:te-Year Plan.

5· a) Cooperative credit and banking structure -

(1 Period )

(2 Periods)

(l Period)

(2 Periods)

(2 Periods)

(1 Perio:l.)

(2 Periods)

choice between unitary and federal pattern. (1 Period)

h) Primary, Central and State Cooperative

Banks (l Period)

•• ·3 •••

-3-

c) Separate structure !Or long-tenn credit. (l l'oriod)

d) Rec~endations n! Banking Commission end

National Oowmission on Agrioulture,eto., on

the pattern o! organisation of oo~perative

banks. (2 l'eriod.a)

6. Constitution, objeotivt:s and functions n! primary,

central and stat~ cooperative banks - the role

pleyed by them. (7 l'eriods)

7. The role o! Government md Public Sector !inan-

cial insti tu tiona viz., Reserve Bank of India,

State Bank of India, A<;ricultulEil Refinm ce Corp., Finance Corp. 1

Agr1~~tU5~atioqal Cooperative Development

Corporation and nationalised banks, eto., in

developing cooperative credit and rural banking.(7 l'eriods) .

~. .A.ll India State <;ooperative Banks 1 Federation

pJld All India Oentral Cooperative Land Deve-

lopment Banks Union. (l l'eriod)

Subject - II Periods 50

Cooperative and Rural B9nkinc Operations and Management

l. a) Functions and activities of oonprative banks -

Mle of district onoperative bank a.s a oen-

tral finanoiDt: agency in guiding and. suparvi-

sing rural credit societies with special

reference to revitalisation nf rural credit

societies. (l l'eriod)

• • • 4 •••

-ll--

e) Role of State co~peretive Bank as a plannioe end

guiding oentr.:: f0r tr,9'6r·oper2.tivc and rurol

credit structure in the State.

2. e.) Banker wd custom.::r relati0nship - rieht Of

lien, set-nff and e.ppropriati'ln of aocfltlnts, (2 ?eriods)

b) Banks• services to ous~omers - i~sue of

traveller• s acceptance nf c..rtioles fnr safe

oustndy - hiring safe depnsit lnokers, eto.,­

genere~ remittance facilities - modes of

transfer, mail. and telegraphic/transfer

(M/T and T/T) ,

3. a) Deposits - Impnrtance nf deposits in .the

finanoial structure of banks - need for

dep0sH l:!Obilisati"~n - vari0UBl methOds and

measures to mobilise dep0sits with special

(1 PeriOd)

reference t0 mobilisati')n of rural savings. (2 PeriOds)

b) Varinus types of deposits - ourret1t 1 savings;

fixed, nnd other dep0sits 1 ~igAy deposi~and

n.ral deposits - ueposit insuranoe - s~oial

savings sohe41es for rural areas - procedures

for aooeptanoe of deposita.

4. The operatinns of current and savint;s aooount

(2 PeriOds)

with reference to vari'JUs classes of customers. (3 Periods)

!j. a) Il:lpOrtRnt pr0visions Of Negotiable Instru41cnts

Aot with referenoc to cheques, bills of ex-

oh!llle,"C and pr0missory nntes , etc, (2 Peri0ds)

•. ·5 •.•

-5-

b) Other credit instruments, demand draft,suppl;y

bills, tra~~llers cheques, letters of credit,

divideod/interest warrants, railway receipts,

warehouse receipts, postal orders, banker's.

payment orders -foreign bills of exchange,

documentary bills against payments - bill of

lading, etc.

o) Crossing and endorsement of cheques

various types and their implications.

G. :!ruties and respOosibili ties of paying banker

and collecting banker - statutory protection

afforded to them - difterent kinds of objections

on unpaid cheques.

7. Schemes of rel!li. ttance facilities of RBI and SBI

to facilitate rel!li. ttan<lEl in rural areas through

co~perative banks - Mutual Arrangement Scheme

of Cooperative Barucs.

e. Clearing House - its working and relationship

with cooperative banks.

-~. Bankine operatiop,s in co'Jr:e rative bc:nJ.;_ :

a) Borrowi05s.- sources of borrowing - procedure

(2 Periods)

(l l'eriod )

(3 Periods)

(1 Period )

( 1 Period)

in getting credit lil!li.t sanctioned by RBI and

other agencies- lirucing credit limit.from

RBI with deposit mobilisati0n - nonns in

sanction of credit l~ts - criteria for

classification of rural credit societies and

- central cooperative bunks. (2 PeriodS)

• •• 6 •••

- 6

b) Lending lolicy : Cnnperativc agricultural credit

(S.T. and M.T.) - salient features of crop.-loan

system- fixatinn of credit limits ~ norms of

credit.- compr>ncnts 0f credit - seasonability

in lendin; - problems Of financing small and

marginal farmers and weaker sections of the

society viz., agricultural labourers, landless

'·· r . lab<Jurers, scheU.uled cas~/ tribes, artisans and ,. also Slllall borrowers in urban areas - h'oblems

in financing non-defaulting and new members of

societies in default. (3 Periods) •

o) Nature enU. purp0se Of advances - agrioul tural

and non-agricultural. (1 Period )

d) Mode of lendinc - general principles of lending

and employment nf funds, caSh-credit and over-

draft - olean oash credit - revolving oash-

credit - pled[e and hypnthe~ation - reculation

of margins - conoept of net disposable surplus (2 Periods)

e) Security for different kinds of loans, both

agrioul tural and non-agrioul tural. (1 Period)

f) Credit appraisal 1 ?rnoedure for sanoti0n and

disbursement of loans with particular refe-

renee to repaying capacity and incremental

income ani oredit-WJrthiness of the project _

safe[Ua.rds to be_observed.

• •• 7 •••

g) Security of finlll:lciaJ. statements an:l. their intei'-

pretati0n throurh accounting ratios, and fun:l.s-

flow analysis etc., in respect nf nnn-agriou1-

tural advances to processing, canceting, con-

sumers and industrial cooperatives, etc. (2 Periods)

10. Recovery of loans - linking of credit with

manceting - recovery by pu~suasinn and by legal

action - distraint sale - procedures and

operations. (1 :Period )

11. Overdues - its causes and problems - ~easures

for minimising overdues. (l Period )

J..2. Manageillent c>f co0per13:tive banks :

a) Planning, ort;anisation, motivation, staffing,

direction and control. (2 :Periods)

b) Id.ne and span of 8l thori ty and 00ntrol -

delegation of authority. (1 :Period )

c) Fers0nnel policy - s~~emes 0f common cadre

and 'manage~ent trainee"' - role of manage~ent

develOpillent in de-;eloping banking services. (2 :Periods) •'

d) Office managemen-t •

e) Financial Management - manggement of funds

and investm&nts - financial control.

f) Manageoent control through internal check,

I

(2 :Periods)

internal audit and efficient reporting systems

with reference to returns end state:ments

prcscribec under Bankinb Regulation ~ct 1949.(2 Periods)

••• 8 ••••

g.

h.

-8-

Bankers' ·pr[lfits.- margin between br>rrnwing

· · a.rrl lending rates - average b'">rY">wing and

··lendit~g rates - p:rnfits in relatinn tn

nverliead oharges r,f the bank and in relation

tn mnnagem€nt cnst - brenk-even point in the

Vf'rking nf o. bank t•' indi•'ate its optimum level

nf v.n.rt:ing. ( 2 Periods )

Member, oustnm~r and puoli~ relatinns. ( 1 :Period )

-------------------------------------------------------------------

1) The tnpics nf the syllabus relating tn operatinns in

depnsi ts, bnrl"'wing a ttl lending should be taught, annng

nther methnds, with the help of charts, statements, actual

p:rnfnrmae, "ase files, etn., and lll'lre pa.rticularly by

utilising fully the ·nperati·"!ns nf 1Mndel Bank' •

2) :PrQctical exercises must be arr~~ged in respent nf

cr"ssit¥; anJ. er.dnrsement nf cheq_ues, payment anJ. ()l'lllection

ot ~heques, with the help 0f ~yclostyled prnfnrma, in tbe

absenne of 'Model Bank'.

3) Generclly, the afternnon sessir,m f!'.a;f be devnted fl'lr

practi.,e, tutrrials, .srnup discuss inns, library wn.rt:,

bn·)k-review, syndicate studies, etc., ar.d woik: in the

'Model Bank 1 •

••• 9

- c_f-

Subject - III Periods 50

Cooperative and Rural Bankin.; Administration & Accounts

Part I : Administration

~. Important statutory provisions governing admini-

stration of banks :

a) Baoki.Qi_; Regulation Act e.s epylicable to c J-

operative tlamo acd rules there-w:der.

h) Stud7 ~f nalient features of Cooperative

Bocietiea Act and Rules with partiQUlar

refe~ence to the working of banks.

c) Relevant pJ:'()visions rf :

i) Indian Contract Act,

ii) Indian Limitation Act,

iii) Bankers Bnrk Evidence Act,

iv) Stamp Act,

v) Any other relevant Act •

{:~ Periods)

(3 Perinds)

(3 Periods)

2. Inspection as a t0ol to improve adrainistration of

cooperative banks :

a) Inspection nf banks by different agencies -

Reserve Bank of India - State Oooperative

Bank and Ooaperative Department- Submission

of statements .end returns-to these agencies. (3 Periods)

b) Inspection and supervision of branches and

primary cooperatives by the oent~al financing •, '-

agencies. ( 3 Perinds)

• • • 10 •••

- 10. -

c) Complicncc and follow-up action. (1 Period)

3. .Ad.ministri\tion of Cooperative Banks :

A1ministrative orsanisation - Board-Executive

relationship - Functi0ns and authority at various

levels of administrative hierarchy with reference

to .Aot, Rules and Byelaws. (3 Periods)

4• Adoioistrative set-up of the state cooprative

department cnncerned and 1 ts relati0n with the

cooperative credit and banking. (1 Period) ····'·

Pert II : Bn'lk-keepiw; 1 Book-keeping

1. Principles of Double EntryL- types of Accounts

Journal and its sub-divisiGn - ledger - different

kinds 0f ledeer - rules nf pnstine -· I:laintenance of

day-bo~k - cash bonk. (5 Periods)

2. Preparation 0f trial balance - the preparation of

receipts ar.d payments accounts - preparation of

l?rnfit anl Loss .Account ar.d l3alano...,-sheet -

Meth0cl of Acoounting in pr:i.I:Jary 8£ricultural

credit societies - pr0par~tinn of nperatin:~l

statements in manufa~turing ar.d trading oreani-

sati,.,ns. (5 Periods)

3. Accnunting system in Oentral and State Ooopera-

tive Banks - Bonks and reeist~rs maint~ned - Day-

bo0k - Cash .Bonk - Closing of accnun;s - Prepa-

ration of final aco1unts under relevant act and

·rules. (5 Periods)

••• 11 •••

-11-

4. ~coaunting system in respbct of inter-branch end

head office acoounts c.nd contl:'f)l 0f branches and

re00nciliation of accounts in heed office -

Accounts relating tn appropriation nf pl:'f)fitH

a.s per Act, R>ll.es, Byelaws and circular insti-

tutions. (5 Ierioos)

5. Man3£ement .A.coaunting - present!l.tion of financial

statements in central and state cooperative banks

- inter-pretation of financial statements through

accounting ratins and furrls-flow analyaiB,eto. (5 Periods)

6. Audit 0f cooperative banks - different kinds of

audit,- nbjectives- verifica"ion and valuation

of assets - ascertainoents 0f bad and dnubtful

debts -valuation of liabilities nf OO"perative

banks - audit report - their compliance and

rectificatinn.

Nnte :

(5 Periods)

1) T he practical aspects of 3ccountill6 will be taught by means

of examples and illustrations froc the actual books of accounts

kept in the Oon.ege ar:d .~o by c;iving practical exercilt&a/

problems franed on ~he basis of material available in the actual

books of accounts, io addition to the usual exercise .;."iven.

t) Tha afternoon oessions rJ8Y be devowd for tut0ri.al ole.sses

and practice - sessions, eto., and W0rlt .io the ·'Mooel Barlk 1 •

• • •

ANliBXURE - VII

Draft Syllabus f~r Dipl0oa ~0urse in Vnperative Urban Banking •

.SUbject - I 50 Periods

Unop~rative and Urban Bankine : ~rinoi~l~s & Organisation

1. a) Study of urban and rural e<Y'n"ey in India aal

its plnce an:l iupnrta1 oe in nvc.rall planned

eo- n'lniO develnpnt;nt thl''Ugh Five Ye-ar :dans

with particular r()ference t•'l cnr-.perativ()

agency.

b) StuCy ~f the r~le and inpnrt~nce ~f vnri'us

~enoies in serving the urban needs and rural

artisans aau small-so~la industrialists. (2 ?cril'ltls)

c) I1!f'bilisati·,n of rural ar ... l urban savin(Os with

speoial reference tf' c·-·1perative am C<>=erf'ial

banks (including nationalised banks)

on"rdinatil'ln between vari•'1US a.c;enoies.

2. a) · Basic en ncepts, prind;1l"'s anc: idealS of

c"nperatinn (refnruulated principles).

(4 j,'eri..,ds)

(2 :t'eri,G.s)

b) :i:'laoe r-,f cn0perative urban credit ani bankillb

acency in the ''rganised crt:di t :aeclnnisu in thu

urban e00nnwy ant its relati•m with 0ther

infrastructural a5enoies, (3 l?erinds)

c) Brief hist"ry and pr05ress nf co~perative urban

credit mrweuent - recent trends nncl devel"pi:lent. (3 ?eri<Jds)

3. a) ?lace end inpnrtance nf O'Y·perative urban banks

in the 0rganiseu sect0r nf banking. (2 l·eriods)

b) Banking: its =ani06, dcfinitir,n and funoti-'1ns-

kinds nf banks (functinnal olnssifioati"n) (2 rerinds)

••• 2

s.

: 2 :

c) Systcos of banking - unit and branch banking­

dep0sit ani oortgage banking ~ developoent

banking - urban bankill(; and rural banking. (2 :Periods)

d) V'l·'"lperative Banks and their rnle in extensi0n

,.,f bankine services in urban e.reas, (2 l'eri,..,ds)

e) Different types 'lf C'"~"pcrative banks. (1 Peri0d)

a) (;r'"dit 1 Meanine and definition- kinds nf

credit -functions of credit - credit as

input f'"lr devel,..,pl!lent.

b) Urban credit requireuents 1 the needs aril

gaps - need for credit plannint;.

c) :t're-requisites f'lr the suroess nf urban

credit.

d) UO"perative urban credit policy - rec~nt

trends in urban credit with reference to

Five-Year Plan.

a) U0~perative urban cooperative credit

(2 Periods)

(2 Periods)

( 1 ?erind 1

( 1 ?eri0d)

structure - chnice between unitary and federal

pattern. ( 1 Peri'ld)

b) ~r~ary, central and state c0nperative banks(1 ~eriod)

c) Sepnr~te structure f0r l0ng-tero credit. (1 ?erind)

d) Rec•mendati0ns 0f Bankiog (;ol!lOission on the

pe.ttern nf 0rganisati0n nf cn'1perative Banks

in respect nf urban credit. (2 Perinds)

6 • (;n nsti tu tinn, 'lbj eoti ves and funoti"ns 'lf

urban C'"~'lperative banks - role played by them­

its relatinnship with central and state

o'-..r>perati ve bank. (10 Periods)

7. R>le nf Gnvo;rnot.nt and Public Se!>t'lr financial

institutinns viz. Reserve Ilank nf India, State

Dank nf India in devel0ping Q'l0perative

urban creJi t. ( 3 Pe ri0ds )

• • • 3.

I 3 I

8. All India State V"perativ<. Banks 1l!'cderation (1 l'eri'1<1)

Subiect - II 50 Periods

l.i,,...perntive Urban Banki~ 1 Operations e.n:l hlanEt:ement

1. a) Functinns and a11tivities nf O"''pcrativ~; url.Jan

banks - r'llc rJf district C'"V'perative banks as

a central financine; F.~<;ency in guiding and

supervising urban cnnperath-e banks arrl urban

credit slcieties, (1 ?erind)

b) Rnle 0f State L~0perative raruc as a planning

and gUi:l in;_; centre f">r c">nperative urban credit

stru mure in the State. ( 1 l'<-riod)

2. a) Banker and cust'lmcr relatir1nship - r~ht nf

lien - set nff - appropriati m 0f accounts. (2 :t'eritlds)

b) Banks 1 services tr: oust0mers - issue '">f

traveller's cheque - acceptance nf articles

f0r safe custndy- hirine safe dep'">sit lr:>dkers,

etc.- genera~ renittance facilities- 1~il

Transfer and Tel<:eraphic Transfer(JiVT & T/T) .( 1 i?erincl)

3. a) Depnsits- Impnrtance nf deposits in the

financial stru ctur€ nf barks - need fr1r depnsi t

mnbilisatinn - vari·'">us meth0cls arrl mcasur€s t-0

mnbilise deposits with special reference to

mn bilisa tir.n nf urbl'!n savine;s.

b) Vari,.,us types "f dep"Si to - llUrrcnt savings'·

fixud, recurring and 0ther depnsits - piDJlY

and rural dep'lsits - d8pnsit insurances -

special savinc schE;o us f"r urban are; as -

pr'lcedure f'"lr acceptance 0f deposit~;.

••• 4

(2 i'erinds)

(2 i?erinds)

I 4 I

4. The 'lperatinns nf curl'{>nt anJ. savings acC"unt

with reference t" vari0us class;:;s "f customers. (3 ?.oriods)

5. a) fup'lrtant pr0visi,.,ns n f Nee,.,tiabl& Instruraent

Act with reference tr: cheques , bills nf exchange

pr'"lills S"ry mtes, etc. ( 2 Perinds)

b) Oth<Or credit instrura.;nts, dcnaod draft, supply

bills, tr~vell~r's cheques, letters 'lf credit,

dividend/interest warrants, railway rec;,ipts,

wareh'luse receipts, p'lstal 'lrlers, banker's

payment 'lrd~rs - bill r-.f lading.

c) Cr'"lssing and end"rsement nf cheques - varinus

typ<.s and their implicatin rn.

(2 ?eri0ds)

( 1 ?eri0d)

6. Duties and resp<'nsibilities ,.,f peying banker and

cnllective banker - statut0ry pr"teotinn aff'lrded

t'l them - different kinds 0f 'lbjectinns on

unpaid cheques. (3 Periods)

7. Schemes of re.mi ttance "f Reserve Ilank G f India

c.nd State Bank 'l f India t•J facilitate remi ttanoa

facilities t0 c'lnperative bunks - Mutual

Arratl£ement Schemes 0f (;"·"perntive Broks.

8. (;learing Hnuse - it~rkinc and relati"nship

with onnperative banks.

9. Bankirl£ Opt:ratinns in (;()>perative Urban Banks: ---------------------------------------------

a) D"lrrnwincs - snuroes of borr'"lwing.

b) -Leodinti pnlicy- general principles 'lf lending

nnJ the investment 0 f funds.

(1 Period)

(1 Perind)

( 1 Perind)

( 1 Perind)

c) Nature and purpnse nf advances by Urban Banks. (1 Period)

d) MiJde 'lf lending, "Verdraft and cash cred.it -

clean Cl"lSh credit - ?ledce am Hypflthec>.ati"n -

regulatinn nf mare;ins - c~"~ncept of net dispnsable

surplus • (1 Period)

••• 5

5 I

c) Security fnr different kinds nf lnans­

commndities - warehnuse receipt - st~ok

excher~e securities - life policies - gold

ornaments - surety - flx~d deposits - supply

bills - hnuse prnpurties - imQnveble prnperties-

nther securities. (4 ~eriods)

f) Lending tn small bnrrnwer~ and SJ.Jall scale

indus "ries. (1 ~erind)

g) urcdit appraisal - pr~ccdure f~r sanctinn and

·iiSbu.rsement ~1 loans with particular reference

"tfl repay in,,; ca.paoi ty anli creel it wnrthiness nf

the prnject- safe-guards tfl be nbserved. ( 2 :teri"lds)

h) Scrutiny nf financial stat~ments with reference

tr, interpretation 0f financial steteu<:mts

thr"u,:;h aC('()untiOG rP. tins, ar.d funlis-flnw

an..1.lysiE in respect flf a:ivanoes to SJnall

borri"Jivers a rxl small scale industries inal uding

industrial crJnperetives - f;Uarantee scheme. (2 ?eriods)

10. Recnvery of lnans - recovery by pursuasi.on and

by legal action - distraint sale - procedure

·and 0perati0ns. ( 1 l'erind)

11. · Overdues- its causes and prnblcms- measures '

fnr rninilliising nverdues. (1 hrind)

12. Managem;;nt 0f cnnperative banks:

e) Planninc;, nr5anisatirm, motivati0n 1 O'lntrol

anl directinn. ( 2 l:';;rirxls)

b) Line and span 0f authority and O"ntrnl -

deler;atifln fl:f authority. (1 :<'erind)

c) l:'ersrmnel :ihlicy - schemes nf c~="n cadre end

manne;ement trainees - I"'le 0f man~:~gement

devel.>pment in d"vel'">pinG banking services. (2 ?erinds)

cl) Office Mam t;em ent • (1 l'erind)

••• 6

: 6 I

e) Financial 11c.ngeoerrt - management of funds

and investments - financial control. (2 l'eriods)

f) Mana;sem.;nt o•ntnl thr:>ugh internal ohedt, internal

au:li t and efficient repr>rting systems with

reference to returns nod statements prescribed

under banking regulati'ln act. (2 Perif1ds) . g) Bankers' profit - margin between borrnwin~

e.rrl lending rate - average bnrr'lwing am!

lending rate - pr'lfits in relatinn to overhead

charges nf the bank - break-even pnint in the

vnrking nf a bank tn indicate its nptimum

leve 1 nf wnrking.

h) Member relatinns, oust~uer relations, and

publio relations.

(2 l'erinds)

( 1 :Period )

--------NOTE: 1) The tnpics relating tn nperati0ns in deposits,

borr0wing and lending in thu syllabus, must be

taught, amnng nther methods, with the help nf charts,

statements, actual prof0rmoe, case files, eto. arrl

flare particularly by utilising fully the operations of

11\!rldel Bank 1 •

2) Practical exercis~s must be arrar.gcd in respect

of crnssiQs, endorse~ent of cheques, payment arrl

o>llectinn nf cheques with the help 0f cyclnstyled

p:rnf~"'rma in the absence nf 11i0del Bank'.

3) Generally the afternoon sessions may be devoted

f0r practioe, tutnrials, gr'UP discussions, library

wnrk 1 b0nk reviews 1 syndicl\te sessinns 1 etc, 1

and

wnrk in 1M">del funk'.

• •• 7

: 7 :

Subject - III 50 Periods

(;rnperativc Bankin.:; : Ad::linistrative Acoounts

Fart-I : Administratinn

1 • II:lpnrte.nt statut0ry pr'Wisinns g"verni!J6

administr~ti0n 0f banks.

a) Banking Ret,ula ticm Act as applicable t'l

cn0perative banks and rules thereunder with

special reference t0 urban cnnperative banks.(4 Perinds)

b) Study nf salient features of U0nperative

Sncieties Act and Rules with particular reference

tn the wnrking 0f urban cnnperative banks. (4 Periods)

c) Relevant pr0visinns 0f:

i) Indian (;nntract Act,

ii) Inclian Limi tati0n Act,

iii) Bankers Iln0k Evidence l'Ct,

iv) Stamp Act. (3 Periods)

2. Inspecti0n as a tnnl tn iopvrvo administration

n f C0°perati ve banks •

a) Inspecti0n 0f bank~; by different agcncieEl -.. Reserve Bank 0f India - State (;r)nperative Dank

and (;0 'perative Department - Submissi.')n 0f

statements and returns tn these ~encies.

b) Inspecti·)n and supervisinn nf branches.

c) ~1mplie.nce antl i'"ll·•w-up action.

3. .Atlministro.ti0n nf Qnr>pcrative Urban Banks:

Ad::linistrative nrganisati"n - Board-Executive

Relati,..,nship - Functi"ns and authnrity at

••• 8

(2 PeriodEl)

(2 Periods)

(2 Peri0ds)

(1 l'eri0d)

8 I

varinus levels nf e.clmnistre.tive hieraroey

with rof8renoe tn Act, Rul8s and B,ye-laws. (3 Peri0ds)

4. Acll'linistrative set-up in the ()'nperativo

department.

1 • i:'rinciplEes nf Dnuble Entry Ennk-keeping -

types 0f acc'"'unts - J.--,urnal and its sub­

divisi·!ns - Ledger - different kinds f'lf

lodGer - rules nf pnsting - maintenance nf

dey-bl'"'k - cash b'nk,

(1 ?tldod )

(5 :Periods)

2. ?roparati,..,n nf trial balance - the preparatinn

nf receipts and peyments accnunts - preparatinn

nf ?!"'fit and Inss Accnunt and Ealance-Sheet -

Methnd nf Acc'"'untiog in Urban Cnnperative

l.'anks - preparati•'n nf nporatinnel stat'Olments

in manufacturing and trading nrcanisati "lns. · (5 :Po rinds)

3. Aco~nting system in Urban U0nperative Banks­

bnnks and registers maintained - Dey Ehnk -

<;ash Il•v·k - cl"SitJb 0f aCC'lUnts - Preparnti0n

nf finaJ.i.sing final aoC"lur.ts under relevant act

and rules. (5 ?erinds)

4. Acc"~unti111_;; system in rcspt:ct "'f inter-branch .. and Head Office ac('l)unts and cnnt:rnl nf branch

1?.6ents rec"'nciliati'ln nf aCC'li.mts in Head Office­

accounts relating to appropriati"'n of profits

as per Act, h'ules, llj"e-laws and circular

instructi'lns. (5 ?eriods)

5. Manaccoeut Aocnuntinc>:: Preparati '"'n nf financial

statt.::J<.nt!7'in in C(;ntral an:! state 1)0:1pcrative

banks - interpretatinn rJf financial statements

through acc~~nting ratios and funds-flow

analysis, etc.

... (5 Perinds)

9

: 9 I

6. Audit r,f cr"perative banks - C.iff0rent kin.ls

"f' audit - "bj e"tives - verifioati'"ln anl

valuati''n "f assets - uscertainnents nf ba.!

and J•,uttful debts - valuati'"~n "f liabilities

nf onnperative banks -audit repnrt - thuir

C'"lmpliance an.l rectificati0n. (5 l'erh.l s)

-----------------------------------------------------------------1) The practical aspe"cts nf accnuntine; will be taucht

by means nf examples and illustratinns frnm the actual

brl"ks nf accr,unts kept in the lrlle,ge and als 0 by

giving yractical exeroises/problelils framed "n the bnsis

nf material available in the actual bn"ks of o.ocnunts

in ad3.iti(Jn tn the usual exercises given.

2) The o.fternn0n sessinns mny be devnted f0r tut0rial

classes ani practice-sessi0ns, eto., ar~ wnrk in the

I M'"ld el funk 1 o

Syllabus :fnr g.'-" vant:-<.'tl lf' urs e in (;rnperative an<l ~lur.d :Jankinc

(F~r ~r~nnh AGents)

4 Waelcs (eo i?er:i.r11.ls)

:Cart - I

Atlvsn<'ed. (rnJ_,erntive & Rural :iJanl:in:; : ?rin()l.pl<:s & Ort;nnisati'•ru;:

-------------------------~-~~~~~--1-----------------------~-------

1, thin i'eo.turGs "f InJinn i:!ur.·'ll E<V•nnmy,

objectives r>i' planned dtovebJ,uent in Inuiu

reoent trcm:":s anJ Qevel,.,pments in Cl,-,,_er"'tive

O"VGoent - critical stu.'ly ·'f a;.opr')a"h t·- rural

d.eve:Lnr.mc:nt thi"'u,sh Five Year ::anns with

parti()ular reference t:; on...,pt:rt'.tives,

2, a) Bnle and f'utl()tirons r,f centml onnpemtive butlks

,.,; the oentr:>l finrulC!itJe; n.~cency ref thll district,

in plr.\nnc:d J evt:l"j-DC at ···f the district, l.llf' bili­

sati"n >1:f rural so.vi1.1£S 1 eY.tr.Jnsinn nf rural

banking facilities und in ~uiJ ill[; and supervisin,::

the I•rimary credit struC!tUrcl - rnle and functir•n

r:f St.ate (;'lnr,erative Ihtlks 1 as a bnlo.ncine 'lentre

f0r the; whnle (,.~,.,pLrative l'rE-dit stru<'ture in the

States .. Structural pr"ble= "f Cl"l'>],erative batlks

b) i;,le nf He serve Dank nn·1 Statu :iJatJk nf India in

(;•v·,perative vr;:;dit lll~'vemc:at - Bnlo nf State in

the develfl[!l'18nt rf banlrin:;•

5. l.laru:inc : i!1.ml'ti,.., 03 nf' bnru:.ing, differe:nt kinds

0f banks - n-1ti·~ mliseJ bn.nks 1 <"•LLtcrnial l.Janks 1

n0npemtiv,> bankc nnJ nth•cr cJank:s - recent tNnJs

in L>nt-:.kinc with particular ref~rt:noc tn finnn<dn..:;

a::;ri cul tur.::. (20 :<-erinJs)

: 2

ro.rt - II

Advanoc:d (;0nper~tive & Rural Bunking : Opero.tinns and Mnno.gement1 ------------------------------------------------------------------

1 •

4.

6.

8.

Resnuro_,s and their managemer1t - strengthening

r>f capital structure ani owned funis - star:da!'-ls

of viability and measures to achieve them -

viability '~f branches·::. ·- . - .

;- ' : '.i 'deposits

iri robilis'atihn r>f' differeht-~ypes nf - t. . . '.-,_ :· :. L- _., \_} .-... : : .• ~ .. ~ ·.I

and rural savincs - depnsit insurance, - ,, ' '

rroble~~ in operatirns of current .aooounts anu, . _,_;_ \: •,' _:. I' • • ;, •' i·~·"':;,.·_:, ~ -_,1!-:.:...:..:.·~--~: ~'

cnvingo no00unt with particular reference tn f ,, .:·.~!.' .·,J...~-~ ~L''il.- -~ 'r.~:~

vari0us classes 0f customers.

?r'1bleus _ ?f- baqlq>,.in __ o;llect~on and J'8Yment nf

ohequus with reference t0 prnvisions in the

Indian Negntiable Instruments Act

nf paying and onlleoting banker,

responsibility

Borrowings - bnrrnwing from Head Office - borrowine;s

fron other snuroes,

<;ash l!lan~ement - deterninin,; oo.sh requirements -

safe oustody nf cash - se"uri ty arrangements -

C"ntrnl nver cash transaC'tinns - officers 1 role -

verificatinn of oash - routine and surprise checks -

insur-d.nce of cash in transit - balanoes with 0ther

banks - recnnciliati0n of acnnunt with other banks

and Head Office- maintenance nf liquid-assets.

Auxiliary services - problems _in purchase and sale

nf securities - valuables acoepted for safe-custody

-safe deposit lookers- duties.and respnnsibilities

nf th" bank in hiring nf lr"lckers.

Remittances, cash remittances -Mail and Telecraphic

Trznsfers - Remittance facility scheme of the Reserve

Dank nf India and State Bank of India·- Mutual

••• 3

3 :

.Arrcm;unent Snhera<C ~'f (;t'l·~perc.tive Ilanks -

pr0blems onnr.erning rcr:.ittunces,

9, · Mvan()o;s - frinciples nf cnn·.l lenJin,; - rulc;s 1

tGrms nnd cnrul itirms crwe rnit1£ aJ. v:1nlles - cl<;o.n

credit - c-o.Dh creJit :1n-i. '"'Ver-drcl't - 1-lede.:;e

and nyvntheontinn, eto., - oJvo.noes acainst

shares anl sc;ouriti.cs - u1;ainst llills - life

pnlicies - gnLl nrnar.1ents - hnusil prnperties -

nther iillWnvaule prnperty - other ass~ts - term

lt;n,lir-,_; - prnblems.

10. Alvuncocs tn r.0np8rative sn,.ieties - .:ules,

bye-laws and oircular instruc>ti"ns 501Terni~

lnans and advant)es tn primaries - pqwers and

resprmsibilities nf branc-h =nnct:;r in respec>t

nf lnans - ,:rflj ectinn nf lending plans, progra-

=es anl targeos - oec.sure;s fnr uchieving

viability 'lf lnaning I"JJerutinns - n<:sessne~~

and explnitatinn nf the credit pntential nf

· the area.

11. ?rnul8ns r8lc.tin.g t•' pi"lcedures fnr sanction

and disbursemEnt 0f lnans - scale nf finance -

fielJ. vnrkers 1 C'nnference - preparatinn nf

normal credit statem.;nts - srrutiny nf nnrmal

rredi t stat~ments, financi:ll statements anJ. .

'lther erwl'lsed papers - s::~ootinn nf loans

12.

disbursement of ln::~ns s easnnab ili ty in

disburseoent - cash and kinJ. onopc-nent -

aJJitionul cash cnmp'lnent - vroneJure and modes

c-f disbursenent - ratinnalisati0n 0f procedures

and pr:~ctices prnblews nf f'inunc:in,; J<-faul tine,

societies anJ direct financins 'lf their

solvent meLJbtors.

R.;oovery of loans aad nJvanres lir-.k:ing ,., f

• • • • 4

4 I

credit with ma.~eting - recovery by legal action

- powers and rcsptmsibilities of financing

agenny - ~le nf cooperative department in

recovery - arbitration- reonvery as land revenue

- execution of award - administration of weak

and dormant societies by bank - revitalisation

nf sncicties - nverdues - its ioplicatinns -·

00rreotive and prevoontive r::easures to check

overdues. (20 Periods)

Part - III

1. General principles of double E:ntry bonk-keeping

and financial aoonunting - balancing of accounts­

preparati~n of financial stateoents.

2. ~resentation of financial statements- interpre­

tati~"n of finarx:ial statem<=nts thrnueh accrmnting

ratios and funds-flow analysis, etc., -use of

accounting as a nanagerial tnnl.

3. Acc"Unting Systcn in con~erative banks -books

ani registers DaintainGd and their relatinnship.

4. Inter-branch ani Head-Office ao('>unting - control

of branch aocnunts and re:onnciliati nn :"lf accnunts

in Head-Office - systen of centralised accounting

systen vis-a-vis - indepe;ndent ac()()unting systen

of ban!{S with branches •

5. Internal checks ani internal crmtrol over accounts

indirect control exercised by Head-Office through

circular instructions - prescribing various

periodical returns and statenents.

6. Direct 00ntrnl by the Head-Office through •

inspection by officers frno Head-office and

••• 5

t.

s.

1 •

4.

6.

5

l-JCrif"'dif'c.l visits by the M~.n~vr.

Inteorn:1l rht-rkG nnJ int.:rnal au..:it ~nJ its

relntinn t·· ·:xt"rnaJ.. c>uJit,

Detect inn an·l n•>ntrr 1 ··f fruuJc "lnl eoLt::zzle­

oents.

Enquiry anu prcseouti· n - t:nlle<'tin._; unl

nnalysin,j the data - repnrt t'' heaJ "fficc 1

eto. - C'•t:wultu"ti"n with b>1t1k 1 s lm·;yers,

?'lrt - IV

Manact:ment .-------------------

( 20 ?u rirJ s)

i'lanning - r,rcanising nncl staffint; -

mndi:finatir•n - "'lntr'll - supcrvisi ,.,n - plannins

in r,peninc, a new br~noh - break-ev .. n o'mnq:t

in Jeterctning the viability , ,f Lr:lllches,

Line anJ span 1f uuthrrity anJ cnntrnl -

delegutirm '>f auth0ri ty.

i'ers"nnel pr•liny - snheD<:c ~">f C' llllctm cnJ.re anJ

r:mnC~_:er;!ent traineus - r'>le "f rnnnct:;tou<ent

develnpment in Jevel" ,.in,', baokine; services.

Office 1lan~eu"nt.

Finnnt:>ial man::.geo<mt - mana,;cmcnt rf funl.s atJcJ

investr~ents - fina.noiul N•ntrnl.

Ma.n:JG!'nwnt c··· ntr0l ·i;r,r"uch intc;rnal <'hGrks,

intern.'11 au~i t an<' el'fioient rev,rtinc systems

with reference tn returns and ztat<ei:lt:nts

J:rescribed un . .\<.r bankitJL re~la.tinn act.

Bankers 1 pr•1fi t - lliDre,;in b6tween br,rrnwin;,; and

lenJinc rate - L'.Vera,_;o b0rr·:wiug anl lt::ndi!".._;

rate - prnfi ts in relatinn tn nverhea:l. nh:J.rees

... 6

: 6 :

nf the bank - break-even pnint in the mrking

nf a tank tn indicate its optimum level r:>f

""rl!: ing •

8. Member rtlati0ns and public relatinns -measures

fnr dev0lnpment - 00nrdinatinn with r.ther lending

86enoies 1 develn].>mtnt and r.thcr c00cerned departments

a til. cMperative insti tutinns. ( 20 PeriOcls ) ---------------------------------------------------------------------NOTE: 1) The tnpios relating t'"> rlperotinns in deJyVJsi ts 1 b0rrnwing

and lending in the syllabus, must be taught, ~nng other

methods, with the help of charts, statements, actual

prnfnrmas 1 case files, etc. and more particularly by

utilising fully the nperatinns nf mndel.: bank. ' ~

2) Practical exercises must be arranged in respect nf

crossing, endr:>rsement nf cheques, payment and cnllection

nf cheques with the help nf cyclostyled prnforma in the

absence nf ~Ddel bank.

AlElEXUR8 - IX

I, PROGfu\ili\ill OcT LiRED IT A?IRAISAL

Outline: nf (f1n"tents . -----------------

a) Structure nf balanro-she8t ard pr0fit an.'l lnss ac!Ylunt.

b)

c)

Finnnoial stateuents pr.,para ti.; n nt: fi na.ncln 1 s tc>.tmn<:nts,

presente.ti')n ·~f finaooial

statements,

d) Financial statements interpretatinn nf financial

statements.

e} Aoo~unting Ratios.

f) Oash-flnw statem~nts.

g) Funds-flnw stc.te012nts.

h) Estinati"ln "f vr>rkine; cajJital rE.quirou.ents.

i) Appraisal "f loans an:l arlvnnc;;s.

j) Tenn ltmding - meet it'\§; the cust•'l:J.er t" ascGrtain his

view pf")int.

Vu.tline of' ()0ntents

e.) Funoti"ns nf Financial 1/le.t:~a<;eu"nt, Obj"ctives & S1npe.

b) furpnse of pr.oparirt: financial stat"w"nts.

c) l\l()de r,f preparatin n ·lf fim:ncial s tatewents.

d) ii'hdG ''f pros.,ntatior. nf fiM.nciul statoraents.

e) Interpretatinn nf financial statements.

... 2

~ 2 :

f) In-fi~ o~oparis~n (trends) anl inter-firQ c~operis~n.

g) Fu.tKls-fl"W Analysis.

i) Anonuntinc rati~s

j) Vnlume - l;nst - Frnfi t Ano.lysis.

-llutl.i.ne c,f (;nntE.nts-

i) Pnr dop,.,sit sectinn.

ii) F•'r len<linc seotinn.

iii) Frlr r.:.l!:lis si'"' n SLCti·..,.n.

d) PrE;paratir·n '">f L1f1.Btcr budcct

-------------------------------------------------------

V. :i-HOGRA'!:.::E lil DEl' OS IT IIIAYAGB;.ll.,HT

a) Imp'lrtanco nf uep.'oi t onbilisP.tir>n by bmks.

b) Vo.ri~us kinds nf u;;pnsits,

o) New schemes ~f dc;pnsits i''~r o~bilisati0n --.f rE-s,.,uroes.

d) llc.nnitl{; r~r giving incentives f )r dopnsi t mnbilisati0n.

e) lik'lrkt:tin.:; o 'noe pt in br.rJcirJC.

f) Ad Yertis itlc: c.n:l ?ublici ty,

••• 3

: 3 :

g) Review 'f oeo..sures ·~r. augment depns its,

h) New I:lensures -

i) Dep"Si t ID''•bilisati.~. n - p!Y'blems nf investment r.f surplus

dep0sits -

j) Linking nf il.E.I. credit limits with depnsit mnbilisatinn

k) Devclnr;me;nt "f L'ublin Relatinn fnr augmentinG depnsits.

- liutlinG ·"f (;."lntcnts

1) i'ihintc-nancc r,f n:JSh resnurces as liquidity,

2) Lioi t tn whi'lh cash b?.l~nce is tn b<O r.JaintaineJ in the (i'

branch as wt.ll as in the hGa:.l-nffi~e, mnde nf keepinc

cash b<:clnnne - prt..eauti'lns token in the snfe oustr,dy

nf cash balnnr-e, dual C"ntrnl "f stiY'tJG rnnQ (dnuble

l0ck syster:J) - saftJ dep,.,sit vault - IJnntrnl nv<.r Master

Keys, duplif'.rct£ keys- verifioatinn nf casr balnnoes under

olippilli~ syste:m.

3) J.recnutirms t-; b<1 token fnr C3Sh in tr"!lsit.

4) :l:reoautinns tn be tAken fr,r handline cash ..

5) ];'rauds - their ;.;reventinn c.n:. J eteoti"· n ---------------------------------------a) Types nf !'rauds -

i) frauds pcerp.:trated by nutsiJers wi th/withr)Ut (')f)nnivance

0f staff.

••• 4 •

I 4

iii) due to dishnnesty of bank staff.

b) Prevention nf fiauds - essential safeguards and strict

supervisinn and onntrol - scrupulous nbservat·ce of the

systems and procedures laid dnwn;

c) 0nll2rting and analysing data and renords collected after

detention nf frauds - repnrt tn Head-<'ffine, Police, etc.,

en nsul tatil'n with bank 1 s lawyer.

--------------------------------------------------------------------VII. PRUGlilllliuLL m v lBT Rl~DUvr:n.J;{ TJ',IJI1NIQ\J":".<.S

~ Uutlina nf r;r.ntents -

( Prnductivity in Ilanking )

a) Need for raising the produrotivity in bar.ks.

b) .As()ertaining averege rate nf depnsi ts.

o) Average rate nf bnr·rowings.

d) .A,sr.ertainit:tL avera.;e recte nf l.cnd.irJ6"S.

e) Mar~in between the aver~ge rate of borrowing and lending -

ree;ulati"ll of marginfnr pr0i'it - managem<ont.

f) Pns sibili ties nf reducing the rate r.f bnr!"lwine,,

g) Pnssibilities nf ra_isuJg the r"cte 0;.' landings.

h) :Pnssibili ti8s nf in<'rensing addi tinnal snurnes nf in11nme

by u.1dertaking mnre servi,.es tr• ,.,ustnmers (diversificati<'n

nf s e rvi r.es)

i)

pnssibilities of redu,.ing the EStablishment and r,c>ntingent

~hnrges.,

... 5

: 5 :

j) Possibilities of raising the p:Mdu~>tivity ni' v.nrlc by

the employe<>s without red4nti<m in the ooct of estab­

lishment.

k) Idfrntifying brnad areas of ooot centres hampering the

~nst nentres with previnus (infirm o~parison).

VIII. ·PROGR!.:vl'::E IN INTERNAL AUDIT JUID ulllivKS

Outline of unntents

a) Internal nheok- its meaning- need for internal nheck.

b) Introducing internal oheck in different departments.

o) Mode of cnndw;ting internal check.

d) Efficacy of internal ,-,hel)k in operation.

c) Internal audit- its m~aning - objects and the mode of

its operation in the banks.

f) Differenne between internal ''heck and internal audit.

g) How the internal che"k and internal audit helps the

external auditor.

h) vnnrdinatinn betwecm internal oheok and internal audit

and external audit.

i) Frauds - their preventirm and detetJtinn:

types nf frauds -

frauds perpetrated by nutsiders with/without onnnivanne

nf stuff.

due to n~gligen~>e nf bank staff.

due tn dishnnesty of bank staff.

••• 6

6

?reventir.n of frauds - cs s<-ntial safeguards and stric:t

supc:rvisinn ani -~·mtr<'l - s"rupul0us observant:'e of the

systems and pr<•nedures laid drwn.

-------------------------------------------------------------------IX. :i?HuG.iiA.:\f,£ UF I!IDUS'i'RIAL FEi'.AlLTIW BY u()U.. .___._ ...,,,..., ""'E"'''miVE n AT,Tl"{S

()u tli ne <1f C;r> nte nts --------------------

1) '~he nature and charanteristiils of industric.l finan"El.

2) Purp"Ses fr•r whim industrial fin an~' required - aGoounts

"f requirements.

3) Different kirlds of borl:'f'wers requiring industrial finanoo

fr<'m mnperative banks and their pr"blerns in pr<'curement

of f ina me •

4) .Bloctc uapital- assessment nf requirement:> nf industrial

""''pero.tives and small industries - prnblerns in financing

lN1g-ter.n <:>redit.

5) V/nrking o;:,pital - asses=ent r,f requirements of irldustricl

on.-.perativ<.s and artis'.ln soc:ieties nf vari•'us types -

prr•blems in finanl'!ing.

6) Senurity and se.fety l"lf l0ans advar.rred tn industrir.1l

"''·'peratives - preo'llltions in ltnding,

7) Scrutiny "f S'lhemes and prn;j ects to deterilline thEdr

ennnnrnic f~nsibility, repaying ~pacity, etry,

8) Sper>j_al s.~hemLS - credit guarr._nteo S·~heme, etc., to

s~·.feguord lnnns advanroed tn industrial n'lnperatives,

9) Replenishment of funds by '!'"'Perative banks from

• • • 7

' 7 :

Reserve :Snnk of India, State Bank and other agencies

- recnvery of lnans - problelll.S of overdues - n<'rreotive

ani preventive measures to ohet:lk overdues,

Ad t<.tOXURE - X (A)

Tea,hing Tenhniq•.!<cS and Pra·~ti,.~l Trnining Jnb-~"hart ----------------------------------------------------

Subje,t:

L;A(\p~~rati ve Prantint:

U"'j)Crfl.tiv<c LaVI

A. Group Dis,.ussi~ns: Tf'lpir> r.f the: Gr'•Up

Dis CUG8 iP.n

In the ,.nnte;xt ···f th;o pr<osent .b,y cr-·•n·•rv th.c1'0 i:> a n~eEcd

fnr I'C. vising the ,.,,.,~.perE:ti ve prinl"iphs

1) StaLutnry re~;pnn.si.bilitics ''f Rue;istrar 2) Stu.t_, aio. tn ""''J>Lrativ0s

Uo-rclatin n tn Syllabus

Itew. Nn: 8

Item Nn: 8

l/l"perative Banl<:i ''6 i) Ilati•1nal t;nr,perative Bank is th~ fifth Vlheel nf the

Item No: 6

uonpc:rati ve A~,.nunts & Audit

cn-Jpero.l.ive crcd.i t ,nunh

2) Eff<A•.tivc linking o:f f,redit Itt:w Nn: 1 with r;Lo.rkc ting is s ine-qun-n"n fnr the sun·•ess ,,f runnvery P"rf,.,r:JUnce •1f Mf"·perative banks

3) Natinnalisc.ti"n rf bcnks Ite~J Hn: 16 Lup,crt 0n """P" rutive. banks

4) !1iulti-a"'~ nr;y a!' ;.•rnanh in rur·~l nredi t

5) StreC~.~ining "'"'pemtive nredi t is the' w::ed nf the day

1 ) Trb.l bc.l3.nne is rlf•t r·~'~n!"'lusive lJIY"lnf 0f ar""uto.f!y nf a":r."unts

!teo Nn: 16

!tee Nrl: 15

Item No: 1 & 2

2) Prnfit nnd I.n.;s aomunt anl. Itera Nnl 6 3alc.nnu Sh'"'t are inter-dLJknth:nt

3) R"latinnship ~f main day bonk with subsid in:q dey bnok::;

••• 2

: 2 :

4) :RJ<>lati<mship nf t;ent.r:J. Item Nn: 5 lede:;cr with subsidiary ledc;<-r

5) N<..<-d f•'r prepar9.tion nf It<-o 11"0: 6 R ll: D stat-.:~1<-nts in nr"')-eratives

B • Rr ll• PL:,vs

Pr:c."tiral Banking 1) Wnrking <'f thG "learing ltC:lil Nn: 2

Part 'A' hnuse

Prc..~tircl BunJ~intS

P9.rt 1B1

Atv•-JUnts & Audit

2) Inspcctirn of .:. (;er:.trr'l (;n"P'· rstivc .Bc.rk bra rrh by the A}";x Bank (Jffi,,er

Iteo Nn: 4

3) C"ns iderati" n nf audit nntc: Ite"' Nn: 15 and its C"uplian·~<=

(;. Scr:..innr.::;

0•V'p~rati w Banki o.:;

1) Dep<'sit ~~nbilisati<'n by Iter.1 Nn: 10 · Cf"'J·'p8 rcti vt: '~t- ntral br:.nk, urban baaks, "rtodit snoic.ties, t"ohniqu'-'S, pr'blt.ms, pr0 bress nncl }.:·r0spt:,~ts.

Prnrtir:ll Bankirlb (;r0p loan Systeo.: A critioal :Cart '3 1 view

D. Debates

In vlC:W nf th" hit:hc;r dcgrroe Itew N0: 4 nf di ve:rsifit'a·~i"n t&kir.5 plane in the m>ti vi ti<cs r.f C""P<crc.tive insti tutinns it is dc:sirc;ble tn dis raro unlii:;i ted liability al tn2;c:thcr

c;nnperg.tiw 3ankine:;1) SLnuld wo have a sint;lc Itew N'l:15 & 16 a,;L nry fnr p :r'lv:Ld i 116 2.11 types rf l'!rCodit

2) Fed <Jral s t ru l'!ture is Llf' re suit2..ble fnr L.T.t;nnpl.rative tred it S trur•turio

3) Rurc.l Bank ( Sc.rr:ti•:wyo. (;n;-"-ci.ssinn) will dn fJI"re har;~

••• 3

vnop,rative Ac!l0unts & .Audit

t;n ''] • .:; re ti ve Banking

. : 3. :

•

1) (;nnpcrativc AC'cr-untin;_; Systeu is mnre infr,rmativ~ the dnublc .o ntry systt:m

It<Jl:l !10: 4 th::1n

2) Is the r.cceipt,> on:i rhart;'-'s Ittclll N•1: 4 state-ments mmparCJ.ble tn triul ba.lunn:e

E. Pan<:'l Disc•ussinns

1) Over,lucs in m,..,per:1tives Hnw tr :re du f'Q ?

2) Fint1.L10ing tht: weah .. er sccti"rn

3) Diff<or<cntial r::1te nf interest class-wise and purp,..,sc.-wisc

F. Libr~,r,y

On all wnrkiJ:JG d::1ys the trainees haY0 access tn the

latest jnurnals in th<- library betwe"n 4 anJ 5 ]J .I:J.. The staff

will ht.lp th.om in JDttiot; the j"urnals ::1nd al.:JO SU]J~rvisc th~.;m,

G. c.;ase Stuclit.s

Each trainse is ;;ivvn a subj·,;-:t fnr study clurinc his

weekly visit tn insUtutiors o He will rmk<o nn intem:ivu 1:!88€

s turly nnd sttbL1i t o: nase stuuy n•'t•.-.

H. Assi.;tmcnt Stuiit.a

train~Jc;s nn dH'fcrcnt subjoct:>ts durin,; fiuld !-'lflCE>mLnt. The

Rc.pnrt will be prepnred incii vidually by vc.rh trc.in,; e c.m.l

•••

I 4 :

I, 3onk R8view

Bach tro.inee will bG given a bonk frnm the libr'.l.Ty during '-

its first phase ''f theoretical train.in6 • HE: wil:L sub1:1i t the review

J. Qui:>

Twn or three qcnz. prnsrwlli!lec will be ,,-.ndu'Jted dl.!ring the

entire training r.erinu. Traineeo will be ,;r,.,uped into batches fnr

tnis purpnse. Questinns relating tn cr>l'perati<m, banking, nurrent

fertilizers nr talce-r>ver "f wheat trade by g.~vernment) be put fnr

E:ach gr"up. clarks ••btained by ea0h bat<'h will be annnun0ed at the

end "f th" programme.

Ul:.!JTRAL uvuPERATI VL BA~·fr:

Eea<l-Uffi ce :

Study nf t':le ir:lpnrtant pr~"'vis1ons nf bye-lawu-

delegatinn r.f authr• city - Bnard nf l·ian~en:.ent J::xccutive, staff,

lnan ard SUI"h nthc:r l'r>mmittecs' "''nstituti<m - pnwers.

Administrative S<;t-up nfthe bsnk-ste.ff pattern-

a<L~inistrative arli bani:in6 wines duties and respnosiililities

nf the SeQretary, .wsistant So crctary, !.Jan,:ge r, uhief i_xeouti ve

()ffieer, Executive Vffin<ers, Bank Inspectnrs and l"'ther seni"r

and intenaediate levEl offi,.e rs.

P0lii"J cir'lul::crs issued tn s<'n.i.:ties and field stuff

sanrtinn and cnllurtinn "f loam; - ci1erkit~ of credit limit

applicotinns and drawal :::.ppli<'ati'ltlS - ciiary nf bank Inspectn1"'!J

and r8view is.sued thereon - periodica.l insj)el'tinns re;ctifi-

su_t..~ervisi.-.n nf oredit s,· ~"ietics - nrrl

Studying the lra n npplinati"t1S nf :liff.crant types "~f

special types f'f , . .-v·peratives - pledge, )1yj:n"Lhel'ati''ll and

net disp0saok surplu::- - vc:rifin.a<.i· n nf utilisntinn

••• 2

: 2 I

r:eri">dical :3taccill!J n"j;o l'btained. - nntinn taken on default

· · t·n nd pers~nal verifioatinn. - r!•"'n-m~.; nt3.~-n~nC"e ('f MVt:r - ~nsptt: 1. n a

Si tt in£, iu the f'<Unters relating to loan ar('~'Unt a.ectinns and

-'- Annu-~1 nrea' 1· t llDl. it fer <' nr."ess innal c.ttt.:ndir._s ""Gl) the e..Ptual 7,·~".tn.o ....

• fin.an'1C h"V~ t'\r.)er:ttt:.d up•"n - resnur,es stRtement - verifi,ati•..,no

·· · · ~a····~- ~.-. 1·ts - sub'·;dl·,.,_,_·y rule~ ~~~ rem.tlatiiJtlS v~~rlnu.~: t:.d·..::s r.:r -...~-· - u.... -- ..... ali ._.

other Jnc,l.Cl(:nts - ra1.e ·'f interest - calt"c~latinn of intei"-'St. rm

G.c·p sits - hcif yearly {'nnfinna tinr; - tallying ·)f nutstan<ling

l1"1En c~r.inst FLxed DcrJosit r"cc ipt - overdraft :;itting at the c:nunters

in bankiot~ s;,nti'·Do - visit to clearing house alOr'(;with the ('0noerned

re;prcs<onto.tives - StuJ.y 0f th<: s?.fe vault d .. posit am o6.si1 oertifi<:ates.

1!c.n c{;e;uent anc'. er:~plnyw, nt 0f funds - mainte!'l.ance "I liquid

c.ssets an'-'. Qc..sh reserves - ao..,nunt vii th Apex Bank .and other banks

Stc.C.y r,f the: acnnunting piYH:Gdure with I£f<oreuce tc each

b<'r;;: nr· .a- .~'lunts ncintair,eil and also with :ceference t . .., a clay's tn,n- ·

S--lr~ti 1"'tlS

Brc:.nch aJjustut:nts

<:""·:1tr0l ''f field s-ca.f'f and bsl1kit¥!; senti"n staff - sub~Ctissi0n 0f r.oturns-

inspc.l'ti•"tl reop0rts <',f Dopc.rtuEont, Resc•rve Bal1k nf Indic. 2 m Apex funk -

r..rtific·atinn ~:t' defel'ts \F'uplian()e rcpr.rt. Varinus returns sub~Ctitted

tr. th:; R,;servc Bat1l:: nf India under B~:wking Regulatinn Act _ returns tn

If the dis•riot cr:.uos under the S.F.D.A. Sohem12 _ study nf

sr.u•icl rele.xatioa - lliainten.1.n~ r.f subsidy claim an:l.

risk fur..d. ••• 3

: 3 :

(b) Braneh:

resv nsibilities nf Agent, Cc.shier, eta. sitting at th;:; O"untvr

attending t0 disbursGI:ldlt 'li' lnuns - sube1issinn l')f daily, we~kly

and mnnthly returns - iasui['l_,s nf jewel lnans, Study "f the

l:itudy r.f the i.Jr.p()rto.nt pr"vislons in the byeln:m;. Stu<ly

nf the bnnks and rcgist..,rs mn.intoined in th" Banks as. also th<l

proeodural part ref it.

?~paration 0f c md.;l cr8iiit lkit o.pplicc.tion and a

drnwnl applir.atinn - prtpz.rntinn nf O'-'Q<;Ssary enclosures fnr

applicat.i'ln - preparatlnn nf neces;;c:.ry pnpers and brnds f'lr

disbursc.uent.

Wnrkir1s i'n the cnuntcrs in the :fnrennon.

Study 0f p:rnnedure fc.r sanctinnin.:; li!.T ,I.nnns arul nth8r

types nf loans like jewel lnon8 - study w·ith reference ·tr> a ft::w

sanntinned oases checkin,; nf o~nn1.wtc~ f.-.r a week aml jjreporatlnn

of B. & D fnr ''n" r-.r>nth ic..Jerendently fr7_; the general l ... dger and

dre..witl(; up a Bc.l2.nr.0 SheE:t bas8d nn th~ previt')uS bulanr.e sheet.

Nnte: ~·=inees tn pNpo.I~C o. balance; she<:t and finnl ncn~u,.ts with referennc tn tbe pr~.:vi,.,us balance she ct :tr..D. tli~ prcpa~d. n & D.

••• 4

: 4 :

uREAN BA.llK ---------

(a) Prngre.me fnr tv;n daY~I

Study nf the impr'rtant p!'l'lvisin ns <'f bye-laws - suisidiary

rules rclc.ting t-> depnsits and lnans.

(.;hecking r,f diff•3rt.;nt types r,f l"an applinati0ns and

preparitlf:; nnte fnr the swoc •

Study "f the anmunting pr<"lncdure with refe:renoe tn each

aoc-nunt bnflk - checking nf acc:,unts fnr a day. P:reparati"n of

R & D independently f~'r a rnrnth.

SHtint: in vo.ri,us nnunters - attending t0 disbursement nf

lnans and r,ther remaining itemD.

Study of the impnrtant prnvisi'1ns nf the byelaws types of

llie:::ibership - qualificati•'n- area- shnru nc.pital- types - cnnstitutiCin

0f the I?0ard - pnwurs - duties - 0ther sub-cnmmi ttees - pnwers nf the

Pr.csident , Vic& Prssiclcnt and TrGa:.;ur8r,

Study 0f thcJ cliffe;rent type;s nf deposits - subsidiary rul&s -

partio'ulcr r8fe:rence to pic;rey or day depnsits- sittine; in the onunters.

Different typ8:3 'lf lnans - suNty lnan, jewel l'1an, m0rtgage

lnan, nthurs - =i:IW!: - perind - intEer<Cst repayment S<"hedule - details

required in the lf'an ay,;clicatirn - assess,;;ent "f re;;a;y·ing caj:a,.,ity -

valuatinn '1f the prrperty - scrutiny "f' the titl" - lcgal <Jpininn -

san,.tinn and Jisbursement nf th<: l0an- C"lleotinn actinn taken nn

default.

••• 5

: 5

study "f o.ll the: rct;if;iers maintnim:.\l - returns au.l stccte!:~c·nts

furnish~d t·' Rcs<orvc Bank nf Inc.lia, DE:,i)artu.cnt unJ fino.r1cioe

Study nf th•o insp<Jr:ti"'n repnrts "1' th" R<:s.crve Ihnk

purrns._s - s~tall industri~s - utilisatinn nf Reserve: ilcnk nf

In:lia l'"ll<'·cssinnal fin:u1rt - steps ktkcotl tn i;,rrens& Jcpnsits

nai nt~onanne nf s£J.f0 vault - •nht: r custr.uer services prwickd.

Prepar:_,tinn nf R & D state;:ldlt frr a quarter anl drawin._;

up ·~f a 3alm1<>8 Sh<-ct at the <.mel "f th« quartt,;r anl Profit an:l

• Study »i' ·"hE. iuportant 1:r•wisi0rJS in the. by<: laws •

S tuJy ,...1· the Jli'fl""JurE: rc,lating tn th0 "ntertcinnent, sr.rutiny

available

by the Agc'l1"Y - Jiffir.ultic.s tJ.d with if any. ... 6

I 6

f ln~n n"J.>licntinn - studyi[J6 Ind"t-'"- n .. h,nt nhu•!:ing n "n" u r

th0 :,_,!:''""Jure: fr~'Li the <-nt<ortc.in.:,ent r:f o..a'linatinn till the

nn th" fl'-atotinn r,i c~ebcntur.:s - studyitl!; the. :Bnnks or:rl Registers

AJvanroe·s Do..J_, by the Bnnk

0f the Pl"'l-'erty od.nptc:d - J.e,<-nGy eaplnyeJ tn wat'lh the utilisati~ n

r.f G{_;rj_l'ul turnl l000S o:ncl rerr>vi:!:y ]Jl"'tledure t:'..rc;di t guarantee

subsn.riptir·n

tn bt.. Qaut: t" the credit 6'l.t.-o..rantee nr;anis:1.tinn - itlV'lkitJg oredit

1'\.uY .. tio m 'lf the n::rk<Jtin.:; s•'C'iety- advanoees mde by the

S"riety - int,; __ mtir>n nf rJre<lit with cark&ting as i!:Jple;:.c.cnted by

th0 sr ni<.ty, rt..__;j_r;ters and b•,nks !Cicintainc:d by the s~'ciety studyitJg

thco iHp-•rtant prr.v)_·;i" r:s in "the byelaws 'lf the S" riety - fertilizer

businEoss unJertnken by the: snni'-'t:/ - avnilir"' 0f l"tter cf cr'-'dit

••• 7

: 7 :

Ofii'la nf th" Distri<'t U""pt:ratiV<- Audit Officer ------------------------------------------------StL!dy nf th.:: set-up nf the aud.it wiog - vnri "'US types

n f audits eupl'lyed - study of the final e.udit :J'-wron.luu fr:>r

types nf snr:ieti<:s. Study 0f th<· l!l&thnd "f l'!hecking the F.A.l1.

and is sue nf Jl.,(;, fnr the abrve typl.S l'f sr"•ic tics. StuJy of

nlnssifir:atinn ·~f sr·cieti.::s intn A, B, 0 and D nf •l£rioulturul

(;red it Sn,..icties, Nnn-agri rul tural uredi t Sonit:th:s unci IJI'"P.::-

· rative (;entral Banks. Test audit nf sn.~ietit:8 - ne<:.d fnr test --- ----~

audit - Reaudit- purpne•o nf reau-iit, rec•wery "f r:nst nf reaudit,

etl'! o t;nnrdinutinn ueeting "f nffi<'ers.

OFFiuB uF· TlliC, D.i!.PUTY R.i;GISTRAR 0? (;00PLRATIV-"' SuvlliTffiS

(a) Prf"\grcc •lt> fnr tw" days:

Study nf the latest iile rclc.ting tn tho; san,tinn r·f

creuit lirni t in the ventral Bank and the "''tl''cru.:.d pnlicy

cir()Ulars.

Study .-,f the inspel)tinn repnrt r,f the ~.;e:ntral ::lank

nr,rrlunted by the J"'int Rc:c.;is trc.r. !

Study of stnGk file ruhtinc; tn agriculturc.l ,.,redit am

nnn-agricultural cro;dit including u<:ntrc.l an!, Stc.te "'""1''-'rative

Banks.

Study ,.,f f<-w fil;.s relating t0 the: i~1spectinn nf orcJit

Study nf f'ilcs relatir.e; to arbi trati•'n anl <-xa-:Unc. tino

nf (!red it sn,-,ieties.

... 8

8

OffiCEo s<Jt U!,· - stuuy nf the vcrinus s<.;ntinns in tht:

•

Arbltrc~tin n- study 1""\f th ... G.rl::itratir·n f'ilt...s a.nll prnnl:dure

at t:-tl"h:J<- nt c.nd sal& nf unvnble and irl!_cnvnblc- prnr,erties ~ sa.l0 nf

iuJnvable prnp<erties, deta.ilt:,l stuc1y - sal<- nnnfiru::~tinn - Sa.la

(;ertifico.Lc.

Liquidati0n ri;;hts c.nl .:l_utics r;f oh:o Liquidnt')I' - i:ic.vivcl 0f the

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