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30

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32

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(32.17) (32.50)

(100.00) (38.25)

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(58.54) (28.09)

(100.00) (18.17)

4 ;LDF\T SFD SZGFZF (88.01) (9.37)

(11.99) (2.21)

(100.00) (6.62)

5 SFD GlC SZGFZF (61.78) (36.76)

(38.22) (37.32)

(100.00) (36.97)

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2 1921 - 1.69 - 2.02 - 1.85

3 1931 + 13.83 + 14.49 + 14.13

4 1941 + 21.76 + 21.60 + 21.68

5 1951 + 15.40 + 16.45 + 15.88

6 1961 + 28.63 + 25.13 + 26.40

7 1971 + 25.05 + 26.03 + 25.54

8 1981 + 34.09 + 34.78 + 33.73

9 1991 + 23.93 + 21.36 + 21.96

10 2001 + 19.16 +18.82 + 19.03

:+MT o EFJGUZ lH<,FGL VF\S0FSLI ~5Z[BFP

34

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35

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36

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49


JQF" JQF" JQF" JQF" 2001 5|DF6[ VDZ[,L 5|DF6[ VDZ[,L 5|DF6[ VDZ[,L 5|DF6[ VDZ[,L lHlHlHlH<,F<,F<,F<,FGL J:TLG]GL J:TLG]GL J:TLG]GL J:TLG] \\ \\ VFlY"S 5|J'lT VG] VFlY"S 5|J'lT VG] VFlY"S 5|J'lT VG] VFlY"S 5|J'lT VG]\\ \\;FZ JUL"SZ6;FZ JUL"SZ6;FZ JUL"SZ6;FZ JUL"SZ6

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4 SFD GlC SZGFZF (73.30)

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(67.59)

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1 1911 + 7.75 + 7.57 + 7.75

2 1921 - 0.40 - 0.52 - 0.57

3 1931 + 14.07 + 14.74 + 14.40

4 1941 + 20.64 + 20.50 + 20.47

5 1951 - 13.68 - 15.95 - 14.78

6 1961 + 24.91 + 23.07 + 24.01

7 1971 - 27.35 - 26.81 + 27.09

8 1981 + 25.86 + 28.49 + 27.14

9 1991 - 15.17 -16.39 - 16.08

10 2001 -10.95 - 11.51 - 11.23


50

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S], 93 50 13 10 166


VDZ[,L lH<,FDF\ V[S DF+ GSFC GL VMlO; :Y5FI[, K[ VG[ V[ 56 DF+ J;],FTGL SFDULZL

;\EF/[ K[P VF l;JFI VgI lGUDM4 CDB, IDBI JU[Z[ BFGUL A[\SMGL A|FgRM VFJ[,L K[P

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CMI K[P l;\RF. DF8[ lH<,FDF\ +6 DwID S1FFGF 0[D VFJ[,F K[P 56 HM 5]ZTF 5|DF6DF\ JZ;FN

CMI TM VF 0[D EZFI VG[ T[ 5F6LGM B[TL DF8[ T[DH 5LJFGF 5F6LDF\ p5IMUDF\ ,. XSFI

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56

,F.G âFZF 5]~ 5F0JFDF\ VFJL ZCI]\ K[P H[GFYL 5LJFGF 5F6LGL ;D:IF DM8F EFU[ C, SZL

XSFI K[P T[D KTF B[TL VG[ pWMUDF\ 5|JT"DFGDF\ 5F6LGL H~lZIFT 5]ZTF 5|DF6DF\ ;\TMQFL

XSFTL GYLP

(9) X{1FX{1FX{1FX{1Fl6S ;l6S ;l6S ;l6S ;\\\\:YFVM q 8[SGLS, ;:YFVM q 8[SGLS, ;:YFVM q 8[SGLS, ;:YFVM q 8[SGLS, ;\\\\:YFVM o:YFVM o:YFVM o:YFVM o


JQF" JQF" JQF" JQF" 2007-08 D] D] D] D] \\ \\HA VDZ[,L lH<,FGL X{1Fl6Sq8[SGLS, ;HA VDZ[,L lH<,FGL X{1Fl6Sq8[SGLS, ;HA VDZ[,L lH<,FGL X{1Fl6Sq8[SGLS, ;HA VDZ[,L lH<,FGL X{1Fl6Sq8[SGLS, ;\\\\:YFVMGL DFlCTL NXF"JT]:YFVMGL DFlCTL NXF"JT]:YFVMGL DFlCTL NXF"JT]:YFVMGL DFlCTL NXF"JT] \\ \\ 5+S 5+S 5+S 5+S

S=DS=DS=DS=D X{1Fl6S lJUTX{1Fl6S lJUTX{1Fl6S lJUTX{1Fl6S lJUT 5|FYlDS XF/FVM5|FYlDS XF/FVM5|FYlDS XF/FVM5|FYlDS XF/FVM DFwIqprR DFDFwIqprR DFDFwIqprR DFDFwIqprR DF\\\\ XF/FVM XF/FVM XF/FVM XF/FVM

1 ;\:YFVMGL lJUT 1110 170

2 S], lX1FSM 5440 1605

3 S], lJWFYL"VM 1,80,921 70,987


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lX1F6GL ;]lJWF ;],E AGL ZCL K[P VDZ[,L lH<,FDF\ SM,[HM p5ZF\T 8[SlGS, ;\:YFVMGM

lJSF; YI[, K[P H[DF\ 5M,L8[SGLS SM,[HM V{FWMlUS TF,LD ;\:YFVM4 I.T.I. pWMU D\lNZ4

5|FN[lXS TF,LD S[gN=M4 JU[Z[ ;DFJ[X YFI K[P lH<,FDF\ SMd]I]GL8L 5Ml,8[SGLS âFZF U|FdI S1FFV[

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jIJ;FI,1FL 8[SGLS, SM;" U|FdI S1FFV[ R,FJJFDF\ VFJ[ K[P VFD VDZ[,L lH<,FDF\ lX1F6 1F[+[

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2.14 lHlHlHlH<,FG]<,FG]<,FG]<,FG] \\ \\ VF{ VF{ VF{ VF{WMlUS DF/B]WMlUS DF/B]WMlUS DF/B]WMlUS DF/B]\\\\ o o o o

(1) ,W] pWMU o,W] pWMU o,W] pWMU o,W] pWMU o

ZFHI ;ZSFZ[ TFP 2-10-2006 GF ,3] pWMUGF SFINFG[ :YFG[ GFGF4 VlT GFGF VG[ DwID

V[SDMGM MSMED V[S8 C[9/ 2006 YL ;]WFZM SZ[, K[P T[YL VDZ[,L lH<,FDF\ TFP31-3-99

57

;]WLDF\ S], 4012 ,W] pWMUM V[SDM GMWFI[,F K[P VF GM\WFI[,F V[SDMDF\ ~FP3969.15 ,FBG]\

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ZMHUFZL JWLG[ 15,057 jIlSTVMG[ ;LWL ZMHUFZL 5]ZL 5F0[ K[P VF GMWFI[,F pWMUMGL

TF,]SFJFZ DFlCTL D[/JTF VDZ[,L4 ;FJZS]0,F4 AU;ZF4 J0LIF4 S]SFJFJ4 WFZL4 ,F9L VG[

ZFH],FDF\ :Y5FI[,F H6FI K[P VgI TF,]SFVMDF\ HM.V[ TM ,W] pWMUMDF\ BFn 5NFY"4 SF50

pWMU4 ,FS0FGM pWMU4 ,MC WFT]SFD TYF ZL5[ZL\U ;lJ";L\UGF V[SDMG]\ 5|DF6 VgI pWMUM

SZTF lJX[QF H6FI K[P

(2) DwID DwID DwID DwID VG[ VG[ VG[ VG[ DM8F SNGF DM8F SNGF DM8F SNGF DM8F SNGF ppppWWWWMUMMUMMUMMUM o o o o

VDZ[,L lH<,M E{FUMl,S ZLT[ EFJGUZ VG[ ZFHSM8 lH<,F JrR[ VFJ[, CMJF KTF T[GL

T],GFV[ VDZ[,L lH<,FGM V{FWMlUS lJSF; 5]ZTF 5|DF6DF\ YI[,M H6FTM GYLP VDZ[,L

lH<,FDF\ ,F.D :8MG ;FZF 5|DF6DF\ K[P V[8,[ H lH<,FDF\ D[PGD"NF l;D[g8 SFPl, VG[ D[P ,F;"G

V[g0 8]A|M H[G[ VF56[ CF, V<8=F8[=S l;D[g8GF GFDYL VM/BLV[ KLV[ T[ A[ DM8F l;D[g8

pt5FNGGF V[SDM VFJ[,F K[P VFD4 lH<,FDF\ ZFH],F4 WFZL4 VDZ[,L VG[ HFOZFAFN TF,]SFDF\

VF pWMUM :Y5FI[,F K[P HIFZ[ VgI TF,]SFDF\ BF; lJSF; YI[,M HMJF D/TM GYLP VCL\ V[

GMWJ]\ HM.V[ S[ VCL DM8F pWMUMDF\ DF+ l;D[g8 pWMU H VFJ[, K[P 5|JT"DFG ;DIDF\ VF

pWMUM ,UEU ~FP 63076.01 SZM0GF ;\ElJT D]0LZMSF6 YI[, K[P H[GF âFZF ;\ElJT 1200

H[8,L ;LWL ZMHUFZLG]\ ;H"G Y. ZCI]\ K[P

(3) O[S8ZL V[S8 C[9/ GMO[S8ZL V[S8 C[9/ GMO[S8ZL V[S8 C[9/ GMO[S8ZL V[S8 C[9/ GMWFI[,F WFI[,F WFI[,F WFI[,F pWMUMpWMUMpWMUMpWMUM o o o o

VDZ[,L lH<,FDF\ S], 53 pWMUM O[S8ZL V[S8 C[9/ GMWFI[,F K[P H[ 5{SL 7 pWMUM HFC[Z 1F[+M

VG[ 46 pWMUM BFGUL 1F[+ âFZF :Y5FI[, K[P VDZ[,L lH<,FDF\ O[S8ZL V[S8 C[9/ GM\WFI[,F VF

AWF H V[SDM SFI"ZT K[ T[ GMWJ]\ ZCI]\

2.15 lHlHlHlH<,F<,F<,F<,FGF lJlXQ8GF lJlXQ8GF lJlXQ8GF lJlXQ8 pWMUM o pWMUM o pWMUM o pWMUM o

(1) CLZFpWMU oCLZFpWMU oCLZFpWMU oCLZFpWMU o

VDZ[,L lH<,FDF\ CLZF pWMUGM lJSF; W6M ;FZM YI[, HMJF D/[ K[P CLZF pWMU 1F[+[ ;F{ZFQ8=DF\

EFJGUZ lH<,F 5KL VDZ[,L lH<,FGM S=D VFJ[, K[P VF pWMU VMKF D]0LZMSF6[ JW] ZMHUFZL

;H"G SZTM CMJFYL TYF lX1F6 S[ TF,LDF\YL"GL H~Z G CMJFYL lJX[QF 5|DF6DF\ lJS;[,M HMJF

58

D/[ K[P VDZ[,L lH<,FDF\\ VDZ[,L4 ,F9L TYF ZFH],F VF +6 TF,]SFVMDF\ CLZF pWMUG]\ lJX[QF

5|DF6 HMJF D/[ K[P

(2) ;FJZS];FJZS];FJZS];FJZS] \\ \\0,FGM SF0,FGM SF0,FGM SF0,FGM SF\\\\8F pWMU o8F pWMU o8F pWMU o8F pWMU o

VDZ[,L lH<,FDF\ ;FJZS\]0,F TF,]SM JHG SF\8FGF pt5FNG 1F[+[ 36] DM8]\ AHFZ WZFJ[ K[P VF

p5ZF\T ;FJZS\]0,FGF 5TZF4 TUFZF4 B[TLGF ;FWG JU[Z[G]\ pt5FNG 56 W6F DM8F 5|DF6DF\

HMJF D/[ K[P ;FJZS]\0,F TF,]SFGM VF pWMU :YFlGS S1FFV[ DM8F 5FI[ ZMHUFZL 5]ZL 5F0TM HMJF

D/[ K[P

(3) DL9F pWMU oDL9F pWMU oDL9F pWMU oDL9F pWMU o

VDZ[,L lH<,FG[ VZAL ;D]N= V[8,[ 50 lSPDLP ,F\AM NlZIFlSGFZM D/[ K[P HIF DFKLDFZL TYF

DL9FGM pWMU lJS;[, HMJF D/[ K[P DL9F pWMUGM lJSF; D]bItJ[ ZFH],F VG[ HFOZFAFN

TF,]SFGL NlZIF. 5ÎLDF\ lJX[QF HMJF D/[ K[P VDZ[,L lH<,FDF\ 14 DL9FGF 5ZJFG[NFZ V[SDM

VFJ[,F K[P VF TDFD 5ZJFG[NFZ V[SDM D[P U]HZFT C[JL S[lDS<; l,PG[ DL9] ;%,FI SZ[ K[P

;\NE" o VDZ[,L lH<,F VMWMlUS S[gN=P

VFD4 VDZ[,L lH<,FGL J:TL lJQFIS EF{UMl,S4 VF{WMlUS TYF VF\TZ DF/BFSLI ;]lJWFVM

JU[Z[ AFATMGL DFlCTL lG~5JFGM 5|IF; SZ[, K[P VCL\ EFJGUZ VG[ VDZ[,L lH<,FGF

5lZ5[1IGL T],GFtDS DFlCTL VeIF;DF\ DNN~5 AGL ZC[ T[YL T[G[ 8]\SDF\ ZH] SZJFDF\ VFJL K[P

2.16 lH<,FDFlH<,FDFlH<,FDFlH<,FDF\\\\ ;CSFZL 5|J'lT o ;CSFZL 5|J'lT o ;CSFZL 5|J'lT o ;CSFZL 5|J'lT o

VDZ[,L lH<,FDF\ ZFHFXFCL XF;G SF/ NZdIFG ;CSFZL 5|J'lTGL X~VFT YI[, HMJF D/[,

GYLP 5Z\T] ;J" SZTF DF,]D 50[ K[ S[ VDZ[,L TF,]SFGF lJõ,5]Z UFD[ 1927DF\ VG[ T[GL

VF;5F;GF JQFM"DF\ lJlJW TF,]SFVMDF\ PACSGL :YF5GF YI[,L HMJF D/[ K[P HIFZ[ VDZ[,L

lH<,F DwI:Y ;CSFZL A[\S £FZF D/[, DFlCTL D]HA VDZ[,L lH<,FDF\ ;{F 5|YD ;CSFZL 5|J'lTGL

X~VFT TFP 30-12-1959 GF ZMH UH[ZF5ZF VG[ RSSZU- UFD ;[JF ;CSFZL D\0/LGL 5|YD

GM\W6L YI[, K[P J/L ;F{ZFQ8=GF lJ:TFZDF\ HMTF ;{F 5|YD ;CSFZL 5|J'lTGL X~VFT EFJGUZ

lH<,FDF\ YI[, HMJF D/[, K[P T[D KTF ;CSFZL 5|J'lTGL R/J/ VG[ T[GF 5|6[TFVMGF VFWFZ[

VDZ[,L lH<,FGL ;CSFZL 5|J'lT U]HZFTDF\ 5|YDYL H GMWlGI ZCL K[P VFD4 VDZ[,L lH<,FDF\

59

;CSFZL 5|J'lTGL X~VFTGF TASSFVM lJQF[ AC] lJ:T'T DFlCTL p5,aW G YTF H[ DFlCTL

p5,aW K[ T[G[ VCL wIFGDF\ ,. V[D DF\GL ,[JFDF\ VFjI]\ K[ S[ VDZ[,L lH<,FDF\ ;CSFZL

5|J'lTGL X~VFT VF ;DIUF/FDF\ Y. CX[P

;;;;\\\\XMWG 5wWlTXMWG 5wWlTXMWG 5wWlTXMWG 5wWlT o o o o

2.17 5|:TFJGF o5|:TFJGF o5|:TFJGF o5|:TFJGF o

JT"DFG ;DIG[ ;\XMWG VG[ lJSF;GF ;DI TZLS[ VM/BJFDF\ VFJ[ K[P DF6; A]lâXF/L VG[

lH7F;FJ'l¿ WZFJT]\ 5|F6L K[P 5lZ6FD[ H]NFH]NF 1F[+MDF\ lGT GJLG ;\XMWGM Y. ZæF\ K[P

;\XMWG V[8,[ VUFp Vl:TtJ G CMI T[G]\ S<5GFvXlSTGF VeIF; äFZF ;H"G SZJ]\P T[GF

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GJL E[8M D/L K[P lJ7FGGL ;FY[ JFl6ßI lJnFXFBFDF\ 56 ;\XMWGG]\ DCtJ JWT]\ Ô[JF D/[ K[P

JT"DFG VFW]lGS VY"T\+DF\ ;\XMWG JWTF lJSF; DF8[ 56 B}A H H~ZL K[4 H[ GJL lNXF VF5[

K[P N[XGF VY"T\+GF lJSF;DF\ 5FIFG]\ ;[JFG]\ 1F[+ V[8,[ A[\lS\U1F[+ A[\lS\U 1F[+DF\ ;\XMWG SZLG[

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JWFZ[ K[P EFZT B[TL 5|WFG N[XGL ;FY[ ;FY[ UFD0FVMGF N[X TZLS[ 56 VM/BFI K[P ZFQ8=LI

VFJSDF\ B[TL1F[+DF\YL ;FZL VFJS VG[ lGSF;DF\ 56 OF/M K[P V<5lJSl;T N[XDF\ B[TL1F[+GM

lJSF; SZJF DF8[ ;CSFZL 5|J'l¿ V[ ZFDAF6 .,FH K[P B[TLJF0L VG[ U|FlD6 lJSF;GF 1F[+DF\

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D]bItJ[ ZFßI ;CSFZL A[\S4 DwI:Y ;CSFZL A[\S4 5|FYlDS B[T lWZF6 ;CSFZL D\0/LVM T[DH

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SFD SZTL VF\TlZS S0L~5 ;\:YF K[P 5MTFGL ;LWL N[BZ[B VG[ V\S]X C[9/ SFD SZTL DwI:Y

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60

2.18 ;D:IF SYG o;D:IF SYG o;D:IF SYG o;D:IF SYG o

1904 YL XZ] YI[, ;CSFZL 5|J'lT VFH[ 100 JQF" 56 ;ÒJG VG[ :JlGE"Z AGL XSL GYLP

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BM8GM ;FDGM SZL ZCL K[P VFGF SFZ6M T5F;LV[ TM DM8F EFUGF ZFHIMDF\ VF 5|J'lT B[TL1F[+[

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VF :TZ[ AFSL ,[6F4 J;],FT4 D]NTlJTL AFSL T[DH YF56 V[Sl+T SZJFGM GA/M 5|lTEFJ4

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61

2.19 VeIF; ;VeIF; ;VeIF; ;VeIF; ;\\\\AAAA\\\\ lWT ;FlCtIG]lWT ;FlCtIG]lWT ;FlCtIG]lWT ;FlCtIG] \\\\ VJ,MSG o VJ,MSG o VJ,MSG o VJ,MSG o

1) S.k.Sahoo & S.C.Sahoo (1991) T[D6[ VMZL:;F ZFßIDF\ lH<,F DwI:Y ;CSFZL A[\SM

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SZM0GL YF56M 38[, K[P H[ VUFpGF JQF[" ~P 17000 SZM0GL CTLP GJL YF56M VFJTL A\W

YI[, K[P H[ AFAT ;\XMWG ,1FL K[P

3) ;FCF VG[ ZlJX;FCF VG[ ZlJX;FCF VG[ ZlJX;FCF VG[ ZlJX\\\\SZ SZ SZ SZ (2000) 5MTFGF VeIF;DF\ ÔC[Z 1F[+GL 25 A[\SMGL SFI"1FDTF T5F;L

CTLP 1991-1995 ;]WLGF 5 JQF"GF GF6FSLI VF\S0FVM 5ZYL DF,}D 50I] S[ DM8F EFUGL

A[\SMGL SFI"1FDTF ;]WZL K[P SM5M"Z[XG A[\S4 VMZLV[g8, A[\S VMO SMD;"4 :8[8 A[\S VMO

.lg0IF4 A[\S VMO AZM0F VG[ N[GF A[\S[ ;TT SFI"1FDTF Ô/JL K[P ßIFZ[ I]SM A[\S4 ;Lg0LS[8

A[\S4 ;[g8=, A[\S VMO .lg0IF VG[ I]GF.8[0 A[\S VMO .lg0IF JU[Z[ A[\SM GLRL U]6J¿F

WZFJTL CTLP VFD4 H]NLH]NL A[\SMGL SFI"1FDTFDF\ JW38 Ô[JF D/L CTLP

4) ßIFßIFßIFßIF\\\\ V[; VFG V[; VFG V[; VFG V[; VFG\\\\N N N N (1994) S[Z,F ZFßIDF\ ;CSFZL A[\SG]\ ;\XMWG SFI" SZ[, K[P T[DGF DT

5|DF6[ U|FdI 5|ÔGL ZMHUFZL4 VFJS VG[ p\R] ÒJGWMZ6 ,FJJFDF\ VFJL ;CSFZL A[\SMGM

OF/M K[P ;CSFZL 1F[+ YL H B[TL 1F[+GM lJSF; YTF\ ZFßIGL ;D'lâDF\ JWFZM YX[ H V[J]\

T[DG]\ DFGJ]\ K[P VFD4 ;CSFZL A[\SM V[ SZ[,L SFDULZL RSF;JL Ô[.V[P

5) Working Results of District Central Co-0perative Banks in Gujarat (NABARD-

2007) GOFSFZSTFGL DFlCTL Ô[TF\ DF,}D 50[ K[ S[ U]HZFTGL 18 A[\SM 5{SL 12 A[\SM GOM SZ[

K[ VG[ 6 A[\SM G]SXFG SZ[ K[P U\ELZ AFAT V[ K[ S[ VF 12 A[\SMGM S], GOM ~P 30.70 SZM04

ßIFZ[ G]SXFG ~P 68.21 SZM0 V[8,[ S[ ;ZJF/[ S], ~P 37.51 SZM0G]\ VF A[\SM G]SXFG SZ[ K[P

H[ UIF JQF"GL T],GFDF\ GOM 38IM4 ßIFZ[ G]SXFG 36] H JwI]\ K[P VFD4 GOFSFZSTF XF DF8[

38L ZCL K[ m T[ ;\XMWGGM lJQFI K[P

6) D]BZD]BZD]BZD]BZÒÒÒÒ (2002) T[D6[ JQF" 1996 YL 1999 GF 4 JQF"GF ;DIUF/FGL 68 H[8,L jIF5FZL

A[\SMGL 8[SGLS, 1FDTF VG[ T[GL SFDULZLGF DF5N\0MG[ Ô6JFGM 5|IF; SIM" CTMP T[VMG[

VeIF;DF\ Ô6JF D?I] S[ BFGUL A[\SM VG[ lJN[XL A[\SMGL ;ZBFD6LDF\ ÔC[Z1F[+GL A[\SM JW]

SFI"1FD Ô[JF D/L CTLP p5ZMST ÔC[Z1F[+GL A[\SGL SFDULZLDF\ ;TT ;]WFZM Ô[JF D?IM

CTMP

62

7) 0F"PZD[X ALPE8F;6F0F"PZD[X ALPE8F;6F0F"PZD[X ALPE8F;6F0F"PZD[X ALPE8F;6F sZFHSM8fsZFHSM8fsZFHSM8fsZFHSM8fGF DT 5|DF6[ U]HZFT ZFßIDF\ DwI:Y ;CSFZL A[\SM S'lQF

lWZF6 1F[+[ DCtJGL SFDULZL AÔJ[ K[P lWZF6 VG[ J;},FTG]\ DF/B]\ SFI"1FD K[ 5Z\T]

U]HZFT ZFßIDF\ VF A[\SMV[ S'lQF lWZF6 l;JFIGL GF6FSLI 5lZl:YlT S[JL K[ T[ 56 Ô[J]\

Ô[.V[ V[ ;\XMWG DF\UL ,[ K[P

8) Varkey (1976) GF DT[ ;CSFZL D\0/LVMGL ;F{YL DM8L ;D:IF E\0M/ 5|F%T SZJFGL K[P

1970-71DF\ jIF5FZL A[\SM VG[ ;CSFZL A[\SM JrR[ YF56MG]\ 5|DF6 VG]S|D[ 88.19 : 11.81 Zæ]\

CT]\P H[ JQF" 1973-74DF\ VG]S|D[ 89.05 : 10.95 YI]\ CT]\ H[ NXF"J[, K[ S[ YF56MG]\ 5|DF6

;CSFZL A[\SMDF\ ;F{YL VMK]\ K[P T[D6[ ;}RjI]\ S[ ;CSFZL A[\SMV[ ;ZSFZ p5Z VFWFZ ZFBJFGF

AN,[ 5MTFG]\ E\0M/ JWFZJ]\ Ô[.V[ H[YL A[\SGL pt5FNSTFDF\ JWFZM SZL XSFIP

9) Venkitesan (1984) äFZF PACS XFB lWZF6 VG[ VgI AFATMGL RSF;6L SZL CTLP VF

PACSGL S[ZF,F ZFßIDF\ 8}\SFUF/FGL ,MGvlWZF6 VG[ B[TLJF0LGL pt5FNSTFGL RSF;6L

SZL CTLP T[DGF DT[ GOM JWJFGF D]bI SFZ6MDF\ YF56 J'lâ4 GLR]\ SZH4 p\R] S'lQF lWZF64

D]NTJLTL ,MG DF8[ p\RM jIFHGM NZ JU[Z[ 5lZA/M HJFANFZ CTFP

10) Sharma (1985) V[ ZFH:YFG lH<,F DwI:Y ;CSFZL A[\SGM 8}\SF UF/FGF B[TL lJQFIS

lWZF6GM S[; :80L CFY WZ[,MP S[; :80LGF V\T[ T[D6[ H6FjI]\ S[ VF A[\SGL 8}\SFUF/FGL GLlT

AN,JL VG[ 5FS pt5FNGG[ VFWFZ[ lWZF6 SZJ]\ V[8,[ S[ ,MG lWZF6 JFJ6LGL DM;DDF\

SZJL VG[ ,MG 5ZT ,66LGL DM;D sJFJ6LGL p5HfDF\ SZJLP

11) Varma (1985) V[ DCFZFQ8= lH<,F DwI:Y ;CSFZL A[\SMGM ;DU|56[ D}<IF\SG SZTF\ DF,}D

50I]\ S[ DM8FEFUGL A[\SMGL D]bI GA/F.VMDF\ D]NTJLTL AFSL lWZF64 J;},FTG]\ VMK]\

5|DF64 ;\RF,GGL BFDL4 V5}ZTF VG[ TF,LD JUZGF SD"RFZLVM4 N[BZ[BGL BFDL4

YF56MG]\ VMK]\ 5|DF6 VG[ BFDLJF/L ,MG GLlT JU[Z[G[ U6FjIF CTFP

12) Joy Joseph (1995) V[“ Funds Management of Agricultural and Rural

Development Banks in Kerala” lJQFI 5Z ;\XMWG SFI" SI]\" CT]\P T[DGF DT[ VFJS SZTF\

BR"GF\ 5lZA/M JWFZ[ p\RF K[P VF A[\SMGM ;\RF,G BR" JWFZ[ K[ 5lZ6FD[ GOFSFZSTF 5Z

lJ5ZLT V;Z 50[ K[P ;FY[ ;FY[ D]NT JLlT AFSL lGEFJJL4 GOFSFZSTF lNJ;[ lNJ;[ 38JL

VG[ J/TZG]\ 5|DF6 B}A H VlGJFI" CT]\P 5lZ6FD[4 ;]WFZF,1FL 5U,F\ EZJF\ B}A H

VlGJFI" U6FIP

13) 58[, 58[, 58[, 58[, VFZP V[;P VFZP V[;P VFZP V[;P VFZP V[;P (2005) V[ EFZTGL VG[ U]HZFTGL GFUlZS ;CSFZL A[\SMDF\ YF56M VG[

lWZF6MDF\ S[JF O[ZOFZM YIF K[ T[GF VeIF; SIM" CTMP 1991YL 2004 GF ;DIUF/F

NZlDIFG EFZTDF\ VF A[\SMGL YF56M VG[ lWZF6MDF\ JWFZM Ô[JF D/TM CTMP ßIFZ[

63

U]HZFTDF\ K[<,F JQF"DF\ YF56M VG[ lWZF6M A\G[DF\ 38F0M Ô[JF D?IM K[P ;FY[ ;FY[ GOFDF\

56 38F0M YIM K[P

14) 58[,58[,58[,58[, VFZPVFZPVFZPVFZP S[P S[P S[P S[P (2008) V[ VDNFJFNGL VA"G SF"vVM5Z[8LJ A[\SGF lJX[QF ;\NE"DF\ VA"G

SF"vVM5Z[8LJ A[\SMGL ;D:IFVM VG[ ElJQIG]\ VwIIGV[ lJQFI 5Z ;\XMWG SFI" SI]\" CT]\P

T[DGF DT 5|DF6[ EFZT4 U]HZFT VG[ VDNFJFNGL VA"G SF"vVM5Z[8LJ A[\SMGM lJSF;

2001 ;]WL B}A H h05YL YIM CTMP 5Z\T] 2001GF DFWJ5]ZF A[\SGF SF{EF\0 5KL 36L A[\SMGL

U[ZZLlTVM ACFZ VFJLP T[D6[ H6FjI] CT]\ S[ JCLJ8STF" äFZF VIMuI JCLJ8 YFI K[ VG[

lZhJ" A[\S[ T[DH ZFßI ;ZSFZ[ SM. BF; 5U,F\ ,LWF\ GYLP VF p5ZF\T VG[S E,FD6M T[DH

;}RGM lJlJW ;\NE"DF\ SZ[, CTFP

15) Dileep A.S. and Harikumar V. (2010) V[ “Customer Service in Co-operative

Banks.” lJQFI 5Z ;\XMWG SFI" SI]\" CT]\P T[D6[ S[ZF,F VG[ TFlD,GF0] ZFßIGL lH<,F

DwI:Y ;CSFZL A[\SMDF\ U|FCSG]\ ;[JFG]\ WMZ6 S[J]\ K[ T[ DF8[ H]NF H]NF 5lZA/M H[JF S[ U|FCSG[

;[JFVMGL DFlCTL VF5JL4 jIJCFZMGL ;FTtITF4 U|FCS 5|lT5MQF6 5âlT4 H]NL H]NL ;[JFVM

S[8,F ;DIDF\ 5}ZL 5F0[ K[ T[GF ;DIUF/M RSF;JM4 SD"RFZLVMGL JT"6]\S VG[ U|FCS

ÔU'TTF T[DH lX1F6 JU[Z[ RSF;6L SZJFDF\ VFJL CTLP

p5ZMST 5|DF6[ p5,aW ;FlCtIGM TYF ;CSFZL 1F[+[ lGDFI[, T5F; 5\RM4 VeIF; H]YM

VG[ lJlJW ;lDlTVMGF VeIF;MGM VeIF; SZTF HF6JF D/[ K[ S[ VCL VeIF;DF\ ,LW[,

DM8FEFUGF ;\XMWGM D]bItJ[ lH<,F DwI:Y ;CSFZL A[\SM VG[ PACSGL GOFSFZSTF4

E\0M/ ;\RF,G4 lWZF6M4 YF56M JU[Z[ AFATM 5Z VFWFlZT K[P 5Z\T]\ VF VeIF;MDF\

GOFSFZSTF VG[ lD,STM T[DH N[JFGM p\0F\65}J"S VeIF; YI[, GYLP T[DH lJlJW 5\RM VG[

;lDlTVM V[ D]bItJ[ JCLJ8 VG[ ;\RF,GG[ ,UTL AFATMG[ lR¿FZ VF5JFGM 5|ItG SZ[,

K[P 5Z\T]\ PACS S1FFV[ lJSF;lSI VlEUD âFZF ;J"U|FCL lJSF; AFAT[ H[ J{WGFYG

;lDlTV[ lJRFZ ZH] SIF" K[ VG[ VD,DF\ D]SIF K[ T[ HMJF D/TF GYLP VF GJF H 5|SFZGF

VlEUDGF VD,LSZ6GL N]ZMUFDL V;ZM S[JL CM. XS[P T[GM 5|lTEFJ jIJCFZDF\ S[JM

p5;L ZCIM K[ T[ HF6JF DF8[ VF VeIF; W6M H DCtJGM AGL ZCIM K[P T[J]\ DFZ]\ DFGJ]\ K[P

2.20 VeIF;GFVeIF;GFVeIF;GFVeIF;GF\\\\ C[T]VM o C[T]VM o C[T]VM o C[T]VM o

(1) J{WGFYG ;lDlTGL E,FD6MGM VeIF; SZJMP

(2) EFJGUZ VG[ VDZ[,L lH<,FDF\ PACSGL 5|J'lTVMGM VeIF; SZJMP

64

(3) JQF" 2000-01YL 2009-10 GF UF/F NZSdIFG ;CSFZL lWZF6 5|J'lTGL TZFCGM VeIF;

SZJMP

(4) J{WGFYG ;lDlTGL E,FD6M D]HA ;CSFZL 1F[+[ V5FI[, TF,LD VG[ GF6FSLI ;CFIGL

V;ZSFZSTF VG[ ;FY"STF T5F;JLP

(5) ;CSFZL D\0/LVMG]\ jIJ:YF5G VG[ JCLJ8L 5wWlTGM VeIF; SZJMP

(6) N[JF DFOL IMHGFGL gIFIDTF VG[ GF6FSLI ;CFIGL VFlY"S ;FY"STF T5F;JLP

2.21 VeIF;GF VVeIF;GF VVeIF;GF VVeIF;GF V\\\\TU"TTU"TTU"TTU"T p5l:YT p5l:YT p5l:YT p5l:YT S[8,FS S[8,FS S[8,FS S[8,FS D]NFD]NFD]NFD]NFVM oVM oVM oVM o

(1) B[TL1F[+GL VlGIlDTTFGF SFZ6[ ;CSFZL D\0/LVM âFZF YI[, B[T lWZF6GL 5]ZTL VG[

lGIlDT J;],FT YTL HMJF D/TL GYLP T[ V[S lR\TFI]ST 5|`G K[P

(2) ;TT JWTF HTF N[JF AFSL S[ D]NT JLlT AFSLGF SFZ6[ D\0/LGL lWZF6 1FDTF 38JF 5FD[

K[P T[YL T[GM VeIF; SZJM H~ZL K[P

(3) PACSGF ;\RF,GDF\ DM8FEFUGL D\0/LVMDF\ jIJ:YF5S ;lDlTGF ;eIM VFH[ 56

VlXl1FT K[ m

(4) jIJ:YF5S ;lDlTGL pNF;LGTF4 lGQS=LITF VG[ V7FGTFGF SFZ6[ D\0/LGM JCLJ8

SZGFZ SD"RFZLU6 DG:JL J,6 VG[ :JC[T]DF\ PACSGF E\0M/GM p5IMU SZTF CMI

K[P H[ D\0/LGF lJSF;DF\ AFWF~5 AG[ K[P

(5) 5|JT"DFG ;DIDF\ J{WGFYG ;lDlTGL E,FD6MGM VD, SZJF ;CSFZL 1F[+[ ZMSFI[,

;\RF,G VG[ jIJ:YF5SU6GL TF,LD SFI"S=D CFY WZFI[ T[GL V;ZSFZSTF p5ZMST

5|SFZGL 5lZl:YlTGF ;\NE"DF\ ;\TMQFSFZS VG[ 5lZ6FD,1FL ;FlAT YX[ S[ S[D T[ 5|xGFY"

;H[" K[P

(6) N[JF DFOL IMHGFGL ;ZSFZGL JFZ\JFZGL GLlT VG]\;\WFG[ S[8,FS gIFILS 5|xGM pNŸEJTF

CMI K[ VG[ T[GL lJ5lZT V;Z PACSGL GF6FSLI ;wWZTF VG[ SFI"1FDTF 50[ K[P

(7) J{WGFYG ;lDlTGL E,FD6M VG];FZ PACSG[ VFlY"S VG[ SFINFSLI 5|J'lTVM CFY

WZJF S[8,LS K]8KF8 VG[ :JFITTF V5FI[, K[P tIFZ[ VF VFlY"S 5|J'lTGM jIF5 S[8,M

JWX[ T[ VeIF;GM lJQFI K[P

(8) PACSGF E\0M/GM p5IMU S[[8,FS V\X[ lWZF6GF C[T] ;AA YTM G CMJFYL H~ZT D\NMG[

5IF"%T 5|DF6DF\ lWZF6 D/L XST]\ GYLP

65

2.22 VeIF;G]VeIF;G]VeIF;G]VeIF;G] \\\\ 1F[+ o 1F[+ o 1F[+ o 1F[+ o

;D:IF SYGDF\ lGNX" GSSL SIF" D]HA 5|:T]T VeIF; EFJGUZ VG[ VDZ[,L lH<,FGL

PACSGM VeIF; CFY WZJFDF\ VFJ[, K[P VF A\gG[ lH<,F 5;\N SZJF 5FK/GM TS" VUFp

H6FjIF 5|DF6[ VDZ[,L lH<,FG]\ ;CSFZL DF/B]\ JW] SFI"1FD VG[ GOFSFZS K[ HIFZ[ EFJGUZ

lH<,FDF\ ;CSFZL ;\:YFVM 5|DF6DF\ JW] BM8 SZTL CMJFYL A\gG[ 5|SFZGL ;\:YFVMGM jIJCFZDF\4

JCLJ8 VG[ ;\RF,G AFATMGM VeIF; DCtJGM U6L XSFIP H[DF\ EFJGUZ lH<,FDF\ S], 541

PACS VG[ 193 ALG B[T lJQFIS D\0/LVM lWZF61F[+[ SFD SZL ZCL K[P VFH ZLT[ VDZ[,L

lH<,FDF\ S], 341 VG[ 150 ;CSFZL D\0/LVM VG]S|D[ B[TL1F[+ VG[ ALG B[TL1F[+DF\ SFI"ZT K[P

T[DF\YL AWL H D\0/LVMGM ;DU|,1FL VeIF; CFY 3ZJM D]xS[, CMJFYL VF\S0FXF:+LI INrK

lGNX" 5wWlT D]HA lGNX" GSSL SZL4 C[T]VM D]HA VF VeIF; CFY WZJFDF\ VFJ[, K[P lGNX"

5;\NULGL 5|FYlDS DFlCTLGF lJ`,[QF6DF\ lJUT[ ZH]VFT SZJFDF\ VFJ[, K[P ;\XMWG VeIF;GF

VFWFZ[ O,LT YTF 5lZ6FDM DCNV\X[ TDFD PACS G[ V;Z SZTF AGL XS[ K[ SFZ6 S[ VCL

lGNX"DF\ ,LW[, A\gG[ lH<,FVM ;CSFZL 1F[+GF A\gG[ 5|SFZGF VFlY"S 5F;FVM WZFJTF lH<,F K[P

T[YL ;DU| ZFHIG]\ 5|lTlA\A 5|F%T Y. XS[ K[P T[YL VF VeIF; J{WGFYG ;lDlTGL E,FD6MGL

;FY"STFGF ;\NE" SZJFDF\ VFJ[, K[P

2.23 ;;;;\\\\XM3G 5wWlT oXM3G 5wWlT oXM3G 5wWlT oXM3G 5wWlT o

2.23.1 DFlCTL :+MT oDFlCTL :+MT oDFlCTL :+MT oDFlCTL :+MT o

VeIF;GF C[T]VM VG];\WFG[ VG]DFGMGL RSF;6L SZJF VG[ VeIF;DF\ H~ZL U]6FtDS VG[

5lZ6FtDS DFlCTL GLR[ D]HAGF :+MTMYL D[/JJFDF\ VFJ[, K[P

(1) 5lZ6FtDS DFlCTL o5lZ6FtDS DFlCTL o5lZ6FtDS DFlCTL o5lZ6FtDS DFlCTL o

5|:T]T ;\XMWG SFI" DF8[ H~ZL DFlCTL H[JL S[4 ;CSFZL D\0/LGM .lTCF;4 T[GL SFDULZL lWZF6

5|J'lT4 YF56 GOFSFZSTF4 J;],FT4 GOFGL JC[\R6L JU[Z[ 5|SFZGL VF\S0FSLI DFlCTL S[gN=GF v

ZFHIGF lJlJW 5|SFXGM4 VC[JF,M VG[ lH<,F DwI:Y ;CSFZL A[\SM ;CSFZL D\0/LGL

VMlO;DF\YL V[Sl+T SZJFDF\ VFJ[, K[P VF p5ZF\T VeIF;G[ JW] ;]N=- AGFJJF H~ZL lJX[QF

DFlCTL lJlJW ;FDFlISM4 5|SFXGM4 ;\XMWG5+M4 JT"DFG5+M4 U|\YM4 ,[BM JU[Z[ ;FlCtI VG[

.,[S8=MlGS DFwIDMDF\YL D[/JL H~lZIFT 5|DF6[ p5IMUDF\ ,LW[, K[P

66

J{WGFYG ;lDlTGL E,FD6M VgJI[ PACSGF SD"RFZLvSFZMAFZLG[ V5FI[, TF,LD VG[ D/[,

GF6FSLI ;CFIGF ;\NE"DF\ D\0/LVMGL SFDULZL T5F;JF H~ZL DFlCTL V[Sl+T SZJF D\+L4

5|D]B VG[ ;EF;N DF8[ V,U V,U V[D +6 5|SFZGL 5|̀ GFJ,L T{IFZ SZJFDF\ VFJ[, VG[ T[GF

VFWFZ[ DFlCTL V[Sl+T SZJFDF\ VFJ[, K[P H[G]\ C[T]\ VG]\;FZ lJ`,[QF6 SZJFDF\ VFjI]\ K[P

ssss2ffff U]6FtDS DFlCTL U]6FtDS DFlCTL U]6FtDS DFlCTL U]6FtDS DFlCTL oooo

lAG VF\S0FSLI :J~5GL DFlCTL 56 ;\XMWGDF\ VUtIGM EFU EHJ[ K[P T[YL VF ZLT[ ;CSFZL

1F[+GF lGQ6F\TM4 ;\RF,SM4 SD"RFZLVM JU[Z[ ;FY[ RRF" v lJRFZ4 lJD;" VG[ DFU"NX"G D[/JL

DFZF ;\XMWG lGA\WG[ JW] ;]N=- VG[ prR U]6JTFJF/M AGFJJFGM 5ItG SZ[, K[P T[DH S[8,LS

DFlCTL VDMV[ lJS;FJ[, 5|̀ GFJ,LGF S[8,FS 5|`GMGF pTZMDF\YL 5|F%T YI[, K[P

ssss3f f f f 5|FYlDS DFlCTL 5|FYlDS DFlCTL 5|FYlDS DFlCTL 5|FYlDS DFlCTL oooo

VeIF; DF8[ H~ZL V[JL PACSGF SFZMAFZL ;eIM VG[ D\+LVMG[ J{WGFYG ;lDlTGL E,FD6

5|DF6[ TF,LD VF5JFDF\ VFJ[, K[P H[DF\ ;DU| EFZTGF AWF H ZFHIMGL D\0/LVMG[ VFJZL

,[JFDF\ VFJ[, K[P V[ H ZLT[ U]HZFTDF\ 56 AWL H B[T lWZF6 D\0/LVMGF l+:TZLI

5|lTlGlWVMG[ TF,LD V5FI[, K[P T[DGL 5F;[YL H[ T[ JU" DF8[ T{IFZ SZ[, 5|`GFJ,L âFZF H~ZL

DFlCTL 5|`GFJ,LDF\ GM\WJFDF\ VFJ[, K[P

lGNX" 5;lGNX" 5;lGNX" 5;lGNX" 5;\\\\NUL oNUL oNUL oNUL o

VeIF;DF\ 5;\N SZ[, A\gG[ lH<,F V[8,[ S[ VDZ[,L VG[ EFJGUZ lH<,FDF\ VFJ[, AWL H

D\0/LVMDF\YL VCL 10% ,[B[ lGNX" 5;\N SZL TF,LDFYL"VM 5F;[YL TF,LD ,LWF 5C[,FGL VG[

TF,LD D[/jIF AFNGL T[DGL SFDULZLGM VeIF; CFY WZ[, VF 10% 5;\NUL 5|DFF6[

A\gG[lH<,FGF TDFD TF,]SFVMDF\ 56 HF/JJFDF\ VFJX[P V,AT VUFp H6FjIF 5|DF6[

EFJGUZ lH<,FDF\ 541 VFJL D\0/LVM K[P T[DF\YL VF WMZ6[ 54 D\0/LVM VG[ VDZ[,L

lH<,FGL S], 341 D\0/LVMDF\YL 34 D\0/LVM V[D S], 84 D\0/LVM lGN[X" TZLS[ ,[JFDF\ VFJ[,

K[P JW]DF\ S[ A\gG[ lH<,FGL AWL H D\0/LVMG[ T[GF ;EF;NMGL ;\bIFGF VF3FZ[ 3 lJEFUDF\

JC[RJFDF\ VFJX[P VG[ NZ[S lJEFUGL S], D\0/LVMDF\YL D\0/LVM 5;\N SZJFG]\ 10% G]\ WMZ6

VF ZLT[ 5;\N YI[, lGNXM" 5F;[YL DFlCTL V[Sl+T SZJF VeIF; VG]Z]5 +6 5|SFZGL 5|`GFJ,L

T{IFZ SZ[, H[DF\ lGNX" 5F;[YL 5|F%T YI[, DFlCTL GMWJFDF\ VFJLP VG[ T[G\] H~ZLIFT D]HA

67

lJJZ6 VG[ lJ`,[QF6 SZJFDF\ VFJ[, K[P VF 5|lS=IF âFZF 5|F%T YTF 5lZDF6M VG[ 5lZ6FDM

D[/JJF lJUT[ RRF" SZJFDF\ VFJL K[P

T[DH VF 1F[+GF lGQ6F\TM TH7M4 VG]EJLVM TYF VF 1F[+ ;FY[ ;\S/FI[, ;HHGM GM ~A~ ;\5S"

SZL T[DGL ;FY[ 5|`GMTZL VG[ RRF" SZL S[8,LS lJX[QF DFlCTL D[/JJFDF\ VFJ[, K[P H[GM

VeIF;DF\ H~ZL :TZ[ p5IMU SZJFDF\ VFJ[, K[P

ssss4ffff UF{6 DFlCTL oUF{6 DFlCTL oUF{6 DFlCTL oUF{6 DFlCTL o

5|:T]T VeIF; K[<,F 10 JQF"GL DFlCTLGF VFWFZ[ CFY WIM" K[ tIFZ[ 2000-01 YL 2009-10

;]WLGL lGN[X"DF\ ,L3[, D\0/LVMGL YF564 lWZF64 X[ZE\0M/4 J;},FT4 ;EF;N JU[Z[ 5|SFZGL

GF6FSLI VG[ ;\bIFtDS DFlCTL H[ T[ D\0/LVMGF NOTZ[YL D[/JJFDF\ VFJ[, K[P T[DH ZFHI

;ZSFZGF 5|SFXGM4 lJlJW VC[JF,M4 VeIF;M4 VG[ ;CSFZL 1F[+GF\ ;FDlISMDF\YL p5,aW YI[,

H~ZL DFlCTLGM VeIF;DF\ p5IMU YI[, K[P VF 5|SFZGL VF\S0FSLI DFlCTLG]\ VF\S0FXF:+LI

5wWlTVM D]HA lJ`,[QF6 CFY WZ[, VG[ 5lZ6FDM TFZJ[, K[P

2.23.2 DFlCTLG]DFlCTLG]DFlCTLG]DFlCTLG] \\ \\ lJ`,[QF6 VG[ VY"38G o lJ`,[QF6 VG[ VY"38G o lJ`,[QF6 VG[ VY"38G o lJ`,[QF6 VG[ VY"38G o

CFY WZFI[, 5|:T]T VeIF; PACSGF ;XlSTSZ6 ;\NE[" J{WGFYG ;lDlTGL E,FD6MGF

VD,LSZ6GF 5lZ6FDM HF6JF VG[ T[GL V;ZSFZSTF V\U[ HF6SFZL D[/JJF p5Z NXF"jIF

D]HAGF DFwIDMYL 5|F%T YGFZ VF\S0FSLI T[DH ALG VF\S0FSLI DFlCTLGF lJlJW 5lZA/MG[

SMQ8S :J~5[ lG~5JFDF\ VFjIF K[P H[DF\ J:TL lJQFIS4 GF6FSLI AFAT4 ;\RF,SLI 5lZA/M

JU[Z[ DFlCTLGF :J~5 VG[ 5|SFZ D]HA VG]~5 VF\S0FXF:+LI 5wWlTGM p5IMU SZL 5lZ6FDM

D[/JJFDF\ VFjIF K[P VF 5wWlTDF ;Z[ZFX4 J'lwWNZ4 8SFJFZL O[ZOFZ4 DC¿D v ,W]¿D

5|DFl6T lJR,G4 T test, F test (Anova) JU[Z[ DF\YL IMuI 5lZ6FD,1FL 5wWlTGM p5IMU

SZL T[G]\ VF\S0FXF:+LI lJ`,[QF6 SZL 5lZ6FDMGL ;FY"STF RSF;JFDF\ VFJL K[P SMD%I]\8ZGF

p5IMU wJFZF DFlCTLG[ IMuI :J~5DF\ UM9JL TFZ6M TFZJJFDF\ VFjIF K[ H[ lG6"ILSZ6DF\

DCtJGF ;FlAT YIF K[P

68

2.24 5lZS<5GFVM5lZS<5GFVM5lZS<5GFVM5lZS<5GFVM (Hypothesis) :

lH<,FVM JrR[GL 5lZS<5GFlH<,FVM JrR[GL 5lZS<5GFlH<,FVM JrR[GL 5lZS<5GFlH<,FVM JrR[GL 5lZS<5GF o o o o

VeIF;GF ;DI NZlDIFG NZ[S JQF"DF\ VeIF; C[9/GF EFJGUZ VG[ VDZ[,L lH<,F JrR[ GLR[[

D]HAGF U]6MTZDF\ GM\W5F+ TOFJT ZC[, GYLP

• X[ZE\0M/ VG[ S],E\0M/ 4 lWZF6 VG[ S],E\0M/4 GOM VG[ S],E\0M/4 lWZF6 AFSL VG[

lWZF64 GOM VG[[ lWZF64 J;],FT VG[ lWZF64 D\0/LDF\ GJF GM\WFI[, ;EF;NM4

D\0/LDF\YL K]8F YI[, ;EF;NM VG[ JQF"GF V\T[ S], GM\WFI[, ;EF;NMP

lJlJW JQFM" JrR[GL 5lZS<5GFlJlJW JQFM" JrR[GL 5lZS<5GFlJlJW JQFM" JrR[GL 5lZS<5GFlJlJW JQFM" JrR[GL 5lZS<5GF o o o o

VeIF;GF ,LW[, A\gG[ lH<,FDF\ VG[ 5|lTJQF" JrR[ U]6MTZMDF\ VG[ ;EF;NMGL ;\bIFDF\

GM\W5F+ TOFJT ZC[, GYLP

• X[ZE\0M/ VG[ S],E\0M/ 4 lWZF6 VG[ S],E\0M/4 GOM VG[ S],E\0M/4 lWZF6 AFSL VG[

lWZF64 GOM VG[[ lWZF64 J;],FT VG[ lWZF64 D\0/LDF\ GJF GM\WFI[, ;EF;NM4

D\0/LDF\YL K]8F YI[, ;EF;NM VG[ JQF"GF V\T[ S], GM\WFI[, ;EF;NMP

lJlJW TF,]SF JrR[GL 5lZS<5GF olJlJW TF,]SF JrR[GL 5lZS<5GF olJlJW TF,]SF JrR[GL 5lZS<5GF olJlJW TF,]SF JrR[GL 5lZS<5GF o

• VeIF; C[9/GF EFJGUZ VG[ VDZ[,L lH<,FDF\GF lJlJW TF,]SFVMGF JrR[

X[ZE\0M/DF\ GM\W5F+ TOFJT ZC[, GYLP

• VeIF; C[9/GF EFJGUZ VG[ VDZ[,L lH<,FDF\GF lJlJW TF,]SFVMGF JrR[ lWZF6DF\


• VeIF; C[9/GF EFJGUZ VG[ VDZ[,L lH<,FDF\GF lJlJW TF,]SFVMGF JrR[

S],E\0M/DF\ GM\W5F+ TOFJT ZC[, GYLP

• VeIF; C[9/GF EFJGUZ VG[ VDZ[,L lH<,FDF\GF lJlJW TF,]SFVMGF JrR[ J;],FTDF\


• VeIF; C[9/GF EFJGUZ VG[ VDZ[,L lH<,FDF\GF lJlJW TF,]SFVMGF JrR[ lWZF6

AFSLDF\ GM\W5F+ TOFJT ZC[, GYLP

• VeIF; C[9/GF EFJGUZ VG[ VDZ[,L lH<,FDF\GF lJlJW TF,]SFVMGF JrR[ GOFDF\


69

2.25 VeVeVeVeIIIIF;GL DIF"NFVM oF;GL DIF"NFVM oF;GL DIF"NFVM oF;GL DIF"NFVM o

SM.56 VeIF; DIF"NF ZlCT G CMI XS[P SFZ6 S[ 5|JT"DFG ;DI4 ;\HF[UM VG[ l:YlTDF\

SM.56 AFAT ;\5]6" H6FTL CMI TM 56 T[ 5lZA/M AN,TF T[GL V;ZSFZSTF RMSS; AN,FTL

CMI K[P 5lZ6FD[ VFH[ ;\5]6" SCL XSFI T[ ;DIF\TZ[ 5lZA/M AN,FTF DIF"NFJF/]\ AGT\] CMI K[P

V[8,]\ H GlC\4 ;\XMWG 1F[+[ ;\XMWSGL S[8,LS DIF"NFVM H[JL S[ ;DI4 XlST4 GF6F S[ 5lZl:YlT

HgI lJ5lZT 5lZA/MGM l:JSFZ SZLG[ ;\XMWG SFI" YT]\ CMI K[P VFH 5|DF6[ VF ;\XMWG SFI"

56 DIF"NF ZlCT SCL XSFI GCLP T[DF\GL S[8,LS DIF"NFVMGM :JLSFZ SZJM ZCIMP

(1) 5|:T]T VeIF; ;CSFZL 1F[+GL lJlJW 5|SFZGL ;CSFZL D\0/LVMDF\YL DF+ PACSGM H CFY

WZ[,M K[P

(2) VF VeIF; EFJGUZ VG[ VDZ[,L lH<,FGF SFI"1F[+DF\ VFJTL ;CSFZL D\0/LVMDF\GL

PACS GM CFY WZ[, CMJFYL N[XGF VgI ZFHIMDF\ RF,TL ;CSFZL 5|J'lTGM lR¿FZ VCL

p0F\6 5]J"S :5Q8 SZL XSLV[ GCL4 T[DH U]HZFTDF\ 56 AWF H lH<,FVMGL PACS G[

VeIF; 1F[+DF\ ;DFJ[X SZL XSFIM GYLP 56 lGNX"DF\ ,LW[, VF A[ lH<,FDF\YL p5,aW YTL

DFlCTLGF VFWFZ[ D[/J[, TFZ6M ZFHI :TZ[ VG[ ;DU| N[XDF\ 5|lTlGlWtJ 5]Z] 5F0GFZ ZC[X[

T[J]\ DFZ] DFGJ]\ K[ SFZ6 S[ X~VFTDF\ H6FjIF\ D]HA PACS GL l:YlT VG[ JF:TlJSTFVM

AWF H lH<,FVM VG[ ZFHIMDF\ ,UEU ;ZBL H K[P T[J]\ HF6JF D/[ K[P T[YL VCL

EFJGUZ VG[ VDZ[,L V[D A[ lH<,FVMGL PACS GM VeIF; SZJFDF\ VFjIM K[P

(3) EFJGUZ VG[ VDZ[,L lH<,FGL PACSG]\ H]Y D]HA JUL"SZ6 SZL T[DF\YL 10%GF WMZ6[

lGN"XDF\ VFJTL D\0/LVMGM H VeIF; CFY 3Z[, K[P

(4) 1904 YL VG[ U]HZFTDF\ U]HZFT ;CSFZL VlWlGIDGF SFINF VgJI[ RF,TL ;CSFZL 5|J'lTGM

36M ,F\AM E}TSF/ K[P 56 V+[ VCL lGN"XDF\ ,LW[, ;CSFZL D\0/LVMGL GF6FSLI VG[

lAGGF6FSLI :J~5GL DFlCTL K[<,F 10 JQF" 5I"gT V[S+LT SZJFDF\ VFJ[, K[P VG[ T[G]\

lJ`,[QF6 SZJFDF\ VFJ,[ K[P SFZ6 S[ B]A ,F\AF E}TSF/GL DFlCTL ;DI4 ;\HF[UM4

5lZl:YlT4 lJ7FG VG[ 8[SGM,MHL AN,FTF S[8,LS JBT V5|:T]T ;FlAT YTL CMI K[P T[YL

p5,aW DFlCTLGL 5|:T]TTF GF ;\NE"DF\ VeIF;GM ;DIUF/M 10 JQF" 5|DFl6T U6[, K[P H[

jIFHAL K[ T[D DFZ]\ DFGJ]\ K[P

(5) 5|:T]T XMW lGA\W p5,aW DFlCTLGF VFWFZ[ T{IFZ YTM CMJFYL DFlCTLG[ DIF"lNT SZTF

5lZA/MGL V;ZSFZSTFGF SFZ6[ H[8,F V\X[ H[ DFlCTL DIF"NF I]ST CX[ T[8,F V\X[ VF

lGA\WGF K]8S[ DIF"NF JF/F AG[ T[ :JFEFlJS K[P H[ :JLSFZJ]\ ZCI]\P

70

2.26 5|SZ6 VFIMHG o5|SZ6 VFIMHG o5|SZ6 VFIMHG o5|SZ6 VFIMHG o

5|:T]T VeIF; GLR[ D]HAGF 5|SZ6MDF\ lJEFHLT SZL 5]6" SZJFGM VFIMHG K[P H[DF\

(1) 5|YD 5|SZ6DF\o ;CSFZ VG[ PACSGF 5lZRI V\TU"TG]\ VFIMHI] K[P

(2) l£lTI 5|SZ6DF\ o VeIF; 1F[+GM lJUT[ 5lZRI VF5JFDF VFjIM K[P VG[ ;\XM3G 5wWlT

lJUT[ ZH] SZJFDF\ VFJL K[P

(3) +LHF 5|SZ6DF\ o J{WGFYG ;lDlTGL E,FD6M VgJI[GL TF,LD SFDULZLG]\ lJ`,[QF6

SZJFDF\ VFjI]\ K[P

(4) RMYF 5|SZ6DF\ o VeIF; 1F[+GL lGN"XDF\ ,L3[, PACSGL 5|FYlDS4 UF{6 DFlCTLGF

VFWFZ[ VF\S0FXF:+LI 5wWlTGM p5IMU SZL lJ`,[QF6 SZJFDF\ VFjI]\ K[P

(5) 5F\RDF\ 5|SZ6DF\ o p5ZMST 5|SZ6MDF\YL 5|F%T YTF TFZ6M D[/JL VF\S0FXF:+LI 5wWlT

£FZF lJ`,[QF6 SZL 5lZ6FDMGM lJUT 5]6" VeIF; ZH] SZL H~ZL ;]RGM SZJFGM 5|ItG K[P

(6) KõF 5|SZ6DF\ o ;CSFZL D\0/LVMGF jIJ:YFT\+4 ;\RF,G VG[ JlCJ8L ;]WFZ6F 5Z BF;

VF,[bI]\ K[P

vvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvv

;;;;\\\\NE"NE"NE"NE" ;]lR;]lR;]lR;]lRoooo

1. ccEFJGUZ lH<,FGL VF\S0FSLI ~5Z[BF 2007-08cc EFJGUZ lH<,F 5\RFIT

2. cc EFJGUZ lH<,FGL VF{WMlUS ~5Z[BF 2007-08cc EFJGUZ lH<,F VMWMlUS S[gN=

3. 0F"P DC[TF ZW]JLZ4 1988 ccEFJGUZ 1F[+GL Vl:DTF o VFlY"S VG[ VF{WMlUS lJSF;cc

4. Borse M.N. 2004 "Research Methodology" Shree Niwas Publications, Jaipur

5. Dr. Sharma N.K. 2009 "Banking & Finance Sunrise Publishers & Distributors,

Jaipur.

6. Dr.Sanwar Lal Jat 2005 "Research Methodology" Indus Valley Publications,

Jaipur

7. Garg M.C. & Joshi N.N. 1997 "Co-operative Credit & Banking"

8. Khan M.Y. & Jain P.K. 2000 "Financial Mgt" Tata McGraw Hill Publishing

Co. Ltd, New Delhi.

9. Sahoo S.K. & Sahoo S.C. 1991 "Management of Co-operative Banks in India"

http.amrelidp. gujarat. gov.in

http.bhavnagardp gujarat.gov.in

http.amrelilive .com/articles/entry.

2.1 efjguz lh

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