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Performance Appraisal of Urban Co-operative Banks in North Gujarat


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Reference:

Desai, Suresh V. (2006) Performance Appraisal of Urban Co-operative Banks in North Gujarat. PhD thesis, Saurashtra University.

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Abstract

The idea of co-operative took concrete shape in India for the first time in 1904, when 'Co-operative Credit Societies Act 1904' was passed, amended in 1912 and 1919, which has widened the scope of the co-operative movement in India. The co-operative banking sector in the Indian Economy holds a distinct identity, as it is the only institution of micro credit dispersion. The phenomenal growth of co-operative enterprise in recent years is a positive proof of the fact that among various financial institution agencies, they have been recognized as the best for supplying unexploitative, cheap, sound and dynamic credit to small borrowers, professionals, artisans and the weaker sections of society. Due to certain changes in the banking sector and new economic policies, the co-operative sector in general and Urban Co-operative Banks (UCBs) in particular, have undergone a crisis. At the same time the failure of some good Schedule Banks and Urban Banks has also attracted the attention of the people and raised the question of security of their funds. So that need to the find actual financial stability of the UCBs and assure investors about the operational as well as financial efficiency of the UCBs has been felt. Distinctive feature of the UCBs as compared to other banks have motivated the researcher to under taken research on the financial position of the UCBs. To examine profitability, financial efficiency of banks of North Gujarat, the data related to all the twenty Urban Co-operative Banks for the past seven years viz. 1997-98 to 2003-2004 have been collected and various techniques of measuring performance like, Common Size Statement, Ratio Analysis and several statistical techniques have been applied to analyze and draw conclusions.

Details

Item Type Thesis (PhD)
Item ID 47
Creators Desai, Suresh V.
Guide Parmar, Sahilesh J.
Keywords Banking, Co-operatives, Finance, Urban
Dewey Decimal Subjects 300 Social sciences > 330 Economics > 334 Cooperatives
300 Social sciences > 330 Economics > 336 Public finance
Library of Congress Subjects H Social Sciences > HD Industries. Land use. Labor
H Social Sciences > HF Commerce
H Social Sciences > HJ Public Finance
Department Faculties > Commerce > Department of Commerce
Affiliation with Saurashtra University
Qualification Level Doctoral
Language English
Number of Pages 362
Date January 2006
Unique ID Not Available
Registration No 2919, April 9, 2003
Depositing User Repository Staff
Date Deposited 16 Dec 2011 13:12
Last Modified 17 Jan 2012 11:11
URI: http://etheses.saurashtrauniversity.edu/id/eprint/47

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