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have an adequate amount of capital to protect the interest of the members, depositors, creditors, and the stakeholders that ensures solvency of the union also in the study periods. Reserve to loan outstanding (C 2 ) in the study periods shows Gohe cooperatives saving and credit union has no any loan loss reserve in the study years. The reason for this unhealthy financial performance on capital adequacy is the union could not maintain adequate reserves from their earnings to build up their capital base or unable to get adequate return from their investment, may be paying more dividend to the members instead of maintaining as reserve, and not able to maintain reserves for the loan outstanding. Table 5, Assets Quality of Gohe Cooperatives Saving and Credit Union (Years in E.C) Indicators of Asset Quality Proposed 1998 1999 2000 2001 standard A 1 :Total Delinquency/Total Loan
financial cooperative. In the case of Gohe cooperatives saving and credit union, this ratio is far below this benchmark of the WOCCU proposed standard during the study years. This reflects also the existence of low level of institutional capital of Gohe cooperatives saving and credit union during the study years; and delinquent loans to reserves (A 4 ) measure the adequacy of reserves to cover the delinquent loans shows the union doing its financial activities in delinquency control in line with WOCCUs proposed standard as stated above in A 1 and as we can see Table 5, the union is following stringent credit policy and collection procedure has no any problem with delinquent loan over the whole study periods. At the end, Gohe cooperatives saving and credit union has good financial health in its assets quality (loan portfolio) though the union has a problem of too much investment in nonearning assets and inadequacy of institutional capital. Table 6: Financial Structure of Gohe Cooperatives Saving and Credit Union (Years in E.C) Indicators of Financial Structure Proposed 1998 1999 2000 2001 standard F 1 :Net Loan/Total Assets 70%-80% 29.47% 91.49% 19.97% 93.16% F 2: Liquid investments/Total Assets RJEBS: Volume: 02, Number: 06, April-2013 Page 65
Page 2 and 3:
Table of Contents Articles PERFORMA
Page 4 and 5:
servicing, and the policies not mee
Page 6 and 7: The Self-Help Group members get inc
Page 8 and 9: Are female workers more productive
Page 10 and 11: For the purpose of including explan
Page 12 and 13: several different, competing logist
Page 14 and 15: Fisher, R.T. (2001), “Role stress
Page 16 and 17: A Comparative Study of NPA of State
Page 18 and 19: processes. Instead of fixing target
Page 20 and 21: Agriculture Crisis and Sustainable
Page 22 and 23: Table 1. World Cereal production ,
Page 24 and 25: Expanding biofuel production The ex
Page 26 and 27: percent of the world’s population
Page 28 and 29: OECD (Organisation for Economic Co-
Page 30 and 31: It can provide the earnings needed
Page 32 and 33: The incubator will also work toward
Page 34 and 35: factor. This is not an easy proposi
Page 36 and 37: ROLE OF LOCAL SELF GOVERNMENT IN LE
Page 38 and 39: During the last season red onion fa
Page 40 and 41: Table Mch2 Coef. Std. Err Z P>/Z/ A
Page 42 and 43: lack of capital. The local farmer o
Page 44 and 45: It may be seen that alleviation of
Page 46 and 47: Table - 2 Progress under Bharat Nir
Page 48 and 49: References Chandrasekhar, B P., et
Page 50 and 51: existing cooperative legislation, r
Page 52 and 53: 1.3 THE RESEARCH QUESTIONS 1. What
Page 54 and 55: Table 2: Earnings and Cost Allocati
Page 58 and 59: programs and the union was doing on
Page 60 and 61: total assets to other key areas, it
Page 62 and 63: esponded by (7.6%) of the members.
Page 64 and 65: management; Gohe cooperatives savin
Page 66 and 67: Significance of asset quality of St
Page 68 and 69: iii) iv) Doubtful Assets:- a) Doubt
Page 70 and 71: atios and solvency ratios are taken
Page 72 and 73: Ratio of around 3% during 2007-08,
Page 74 and 75: sufficient to draw an inference in
Page 76 and 77: The observed R 2 and F statistics m
Page 78 and 79: Board Composition, Ownership Struct
Page 80 and 81: size as well. During our study it w
Page 82 and 83: standards prevailing in the country
Page 84 and 85: The procedure produces two tests of
Page 86 and 87: hoc test for pair wise comparisons
Page 88 and 89: e said that the board size affects
Page 90 and 91: high-tech small and medium-sized en
Page 92 and 93: Table no.8 - Multiple Comparisons T
Page 94 and 95: Abstract Corporate Social Responsib
Page 96 and 97: the participation of various level
Page 98 and 99: Supplier Relations As stakeholders
Page 100 and 101: CSR initiatives of companies should
Page 102 and 103: Corporate Social Responsibility Pra
Page 104 and 105: 2011, this district received surplu
Page 106 and 107:
In the case of marginal farmers and
Page 108 and 109:
Findings From the above analysis it
Page 110 and 111:
2. Innovation: Meaning and Dimensio
Page 112 and 113:
data appropriately. Inferences were
Page 114 and 115:
The regression analyses as shown in
Page 116 and 117:
Role of Self-help Group in Socio-ec
Page 118 and 119:
10% for women and men respectively
Page 120 and 121:
MoRD has been constantly reviewing
Page 122 and 123:
76.6% units were found to be existi
Page 124 and 125:
10.Timely release of adequate loans
Page 126 and 127:
Standard of living of Rural Fisher
Page 128 and 129:
Table 1 denotes the infrastructure
Page 130 and 131:
FISHING METHODS USED BY DIFFERENT A
Page 132 and 133:
CONCLUSION Most of the fisher folk
Page 134 and 135:
Objectives: The following objective
Page 136 and 137:
Policies of the Government will hav
Page 138 and 139:
Wastage Schedule (Onion) Sl.No. Pri
Page 140 and 141:
At the end of 2008 the entire world
Page 142:
Conclusion: 9. The inflation can be
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