PMRY - Institute for Social and Economic Change
PMRY - Institute for Social and Economic Change
PMRY - Institute for Social and Economic Change
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Table 5.1: Distribution of Cases by Percentage of Amount Disbursed to<br />
Amount Sanctioned<br />
100 90-99 80-89 70-79 60-69 50-59 1-49 NR Total<br />
Kolar Business 759 84 23 15 17 19 26 9 952<br />
Industry 61 5 3 3 0 4 5 0 81<br />
Service 179 21 6 1 0 2 5 1 215<br />
NR 21 3 1 1 0 1 1 1 29<br />
Total 1020 113 33 20 17 26 37 11 1277<br />
Raichur Business 759 6 5 5 10 13 10 11 819<br />
Industry 69 1 0 0 0 0 0 0 70<br />
Service 424 1 3 1 12 6 6 2 455<br />
NR 33 2 0 0 1 0 1 0 37<br />
Total 1285 10 8 6 23 19 17 13 1381<br />
Udupi Business 541 7 1 2 0 0 5 0 556<br />
Industry 105 0 0 0 0 0 2 0 107<br />
Service 474 6 3 1 1 0 2 0 487<br />
NR 20 0 0 0 0 1 0 0 21<br />
Total 1140 13 4 3 1 1 9 0 1171<br />
All Business 2059 97 29 22 27 32 41 20 2327<br />
Industry 235 6 3 3 0 4 7 0 258<br />
Service 1077 28 12 3 13 8 13 3 1157<br />
NR 74 5 1 1 1 2 2 1 87<br />
Total 3445 136 45 29 41 46 63 24 3829<br />
Source: Compiled from the table generated by IAMR (based on DIC master sheet & Bank sheet)<br />
On the whole, 3445 (90 per cent) of the total 3829 sanctioned cases received full<br />
disbursement <strong>and</strong> another 139 (3.55 per cent) received 90-99 per cent of the sanctioned<br />
amount. 63 applicants accounting <strong>for</strong> 1.65 per cent of the 3829 sanctioned cases<br />
received less than 50 per cent of the sanctioned loan amount.<br />
5.3. Average Amount sanctioned <strong>and</strong> Disbursed per Beneficiary<br />
A total of 1277 cases are sanctioned under <strong>PMRY</strong> <strong>for</strong> financial assistance<br />
between 1998/99 <strong>and</strong> 2000/01 in Kolar district. Of these, loans are disbursed to 1266<br />
beneficiaries (Table 5.2). The average amount sanctioned ranged from Rs. 48,749 per<br />
case <strong>for</strong> business to Rs. 62,129 <strong>for</strong> service enterprise with an over all average of Rs.<br />
51,010 per sanctioned case. Year wise details are provided in Annexure Tables 5.2a,<br />
5.2b, 5.2c. The average amount disbursed per beneficiary is Rs. 48,474 <strong>and</strong> it ranged<br />
between Rs. 46,308 <strong>for</strong> business activity <strong>and</strong> Rs. 57,155 <strong>for</strong> service ventures. It is<br />
observed that 575 (45 per cent), 286 (23 per cent) <strong>and</strong> 405 (32 per cent) of the total<br />
cases received loan amount in one, two <strong>and</strong> more than two installments, respectively.<br />
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