Abstract
There is an immediate need to step up the flow of credit to agricultural and other rural activities in India for improving rural productivity and economic welfare. In this context, we propose an ICT-based solution for improving the delivery of credit and other services to the rural areas through unbundling and outsourcing of the rural banking operations. The solution involves setting up of a common infrastructure for rural data collection, information management and processing and sharing of the multi-service delivery channel by banks and other service providers with a view to substantially reducing the transaction costs and improving the speed and quality of delivery.
Access this chapter
Tax calculation will be finalised at checkout
Purchases are for personal use only
Preview
Unable to display preview. Download preview PDF.
Similar content being viewed by others
References
District Managers, Feedback received from the District Managers of the National Bank for Agriculture and Rural development in Orissa State during an interaction (2004)
Satchidananda, S.S., Srinivasa, S., Jain, R., Kulkarni, P.S.: Use of Information Technology for Improving Credit Delivery. IIITB Working Paper, WP 2004-01, Indian Institute of Information Technology, Bangalore, India (May 2004)
Oracle 10g Grids, http://www.oracle.com/database/
IBM DB2 Product Family, http://www-306.ibm.com/software/data/db2/
EU data grid project, http://eu-datagrid.web.cern.ch/eu-datagrid/
The TeraGrid Project, http://www.teragrid.org/
Biomedical informatics research network, http://www.nbirn.net/
State Level Bankers Committee, The Report of the Committee on Low Credit Offtake in Orissa. In: Proceedings of the State Level Bankers Committee, pp. 19–21 (2004)
Tomar, J.S.: Managing Rural Banking in Banking Reforms in India, p. 409. Tata McGraw-Hill, New York, Subramanian, Velayudham, T.K.(eds.) (1997)
Author information
Authors and Affiliations
Editor information
Editors and Affiliations
Rights and permissions
Copyright information
© 2004 Springer-Verlag Berlin Heidelberg
About this paper
Cite this paper
Satchidananda, S.S., Srinivasa, S. (2004). An ICT Based Framework for Improving Rural Credit Delivery. In: Manandhar, S., Austin, J., Desai, U., Oyanagi, Y., Talukder, A.K. (eds) Applied Computing. AACC 2004. Lecture Notes in Computer Science, vol 3285. Springer, Berlin, Heidelberg. https://doi.org/10.1007/978-3-540-30176-9_36
Download citation
DOI: https://doi.org/10.1007/978-3-540-30176-9_36
Publisher Name: Springer, Berlin, Heidelberg
Print ISBN: 978-3-540-23659-7
Online ISBN: 978-3-540-30176-9
eBook Packages: Springer Book Archive