Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 73
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 73
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Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Deprecated (16384): The ArrayAccess methods will be removed in 4.0.0.Use getParam(), getData() and getQuery() instead. - /home/brlfuser/public_html/src/Controller/ArtileDetailController.php, line: 74
 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php. [CORE/src/Core/functions.php, line 311]
Code Context


        trigger_error($message, E_USER_DEPRECATED);

    }
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 You can disable deprecation warnings by setting `Error.errorLevel` to `E_ALL & ~E_USER_DEPRECATED` in your config/app.php.'
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deprecationWarning - CORE/src/Core/functions.php, line 311
Cake\Http\ServerRequest::offsetGet() - CORE/src/Http/ServerRequest.php, line 2421
App\Controller\ArtileDetailController::printArticle() - APP/Controller/ArtileDetailController.php, line 74
Cake\Controller\Controller::invokeAction() - CORE/src/Controller/Controller.php, line 610
Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 120
Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94
Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Routing\Middleware\AssetMiddleware::__invoke() - CORE/src/Routing/Middleware/AssetMiddleware.php, line 88
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Error\Middleware\ErrorHandlerMiddleware::__invoke() - CORE/src/Error/Middleware/ErrorHandlerMiddleware.php, line 96
Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
Cake\Http\Runner::run() - CORE/src/Http/Runner.php, line 51
Cake\Http\Server::run() - CORE/src/Http/Server.php, line 98

Warning (512): Unable to emit headers. Headers sent in file=/home/brlfuser/public_html/vendor/cakephp/cakephp/src/Error/Debugger.php line=853 [CORE/src/Http/ResponseEmitter.php, line 48]
Code Context
            if (Configure::read('debug')) {

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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee56c4da554-trace').style.display = (document.getElementById('cakeErr67ee56c4da554-trace').style.display == 'none' ? '' : 'none');"><b>Notice</b> (8)</a>: Undefined variable: urlPrefix [<b>APP/Template/Layout/printlayout.ctp</b>, line <b>8</b>]<div id="cakeErr67ee56c4da554-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee56c4da554-code').style.display = (document.getElementById('cakeErr67ee56c4da554-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67ee56c4da554-context').style.display = (document.getElementById('cakeErr67ee56c4da554-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67ee56c4da554-code" class="cake-code-dump" style="display: none;"><code><span style="color: #000000"><span style="color: #0000BB"></span><span style="color: #007700">&lt;</span><span style="color: #0000BB">head</span><span style="color: #007700">&gt;
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-The Economic Times
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The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.
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In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.
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In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.
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The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &amp;quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&amp;quot; rural development minister Jairam Ramesh said.
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The adverse impact of banks&#039; reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.
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Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.
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The rural development minister has said that banks &amp;quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&amp;quot;
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For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.
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-The Economic Times





The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.





In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div style=&quot;text-align: justify&quot;&gt;-The Economic Times&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &amp;quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&amp;quot; rural development minister Jairam Ramesh said.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The adverse impact of banks&#039; reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The rural development minister has said that banks &amp;quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&amp;quot;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.&lt;/div&gt;&#039;,
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The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.
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In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.
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In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.
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The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &amp;quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&amp;quot; rural development minister Jairam Ramesh said.
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The adverse impact of banks&#039; reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.
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Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.
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&lt;br /&gt;
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The rural development minister has said that banks &amp;quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&amp;quot;
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For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.
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-The Economic Times





The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.





In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups...&#039;
$disp = &#039;&lt;div style=&quot;text-align: justify&quot;&gt;-The Economic Times&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &amp;quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&amp;quot; rural development minister Jairam Ramesh said.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The adverse impact of banks&#039; reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The rural development minister has said that banks &amp;quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&amp;quot;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.&lt;/div&gt;&#039;
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-The Economic Times





The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.





In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups..."/>
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                <strong>Centre for easy credit to rural population-Urmi Goswami</strong></h1>
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                <div style="text-align: justify">-The Economic Times</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&quot; rural development minister Jairam Ramesh said.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The adverse impact of banks' reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The rural development minister has said that banks &quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&quot;</div><div style="text-align: justify"><br /></div><div style="text-align: justify">For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.</div>               </font>
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-The Economic Times
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The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.
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	&#039;disp&#039; =&gt; &#039;&lt;div style=&quot;text-align: justify&quot;&gt;-The Economic Times&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &amp;quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&amp;quot; rural development minister Jairam Ramesh said.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The adverse impact of banks&#039; reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The rural development minister has said that banks &amp;quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&amp;quot;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.&lt;/div&gt;&#039;,
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The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &amp;quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&amp;quot; rural development minister Jairam Ramesh said.
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The adverse impact of banks&#039; reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.
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Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.
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&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
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The rural development minister has said that banks &amp;quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&amp;quot;
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-The Economic Times





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-The Economic Times





The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.





In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups..."/>
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                <strong>Centre for easy credit to rural population-Urmi Goswami</strong></h1>
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                <div style="text-align: justify">-The Economic Times</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&quot; rural development minister Jairam Ramesh said.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The adverse impact of banks' reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The rural development minister has said that banks &quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&quot;</div><div style="text-align: justify"><br /></div><div style="text-align: justify">For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.</div>               </font>
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-The Economic Times
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The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.
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The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &amp;quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&amp;quot; rural development minister Jairam Ramesh said.
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The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.





In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;div style=&quot;text-align: justify&quot;&gt;-The Economic Times&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &amp;quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&amp;quot; rural development minister Jairam Ramesh said.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The adverse impact of banks&#039; reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The rural development minister has said that banks &amp;quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&amp;quot;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.&lt;/div&gt;&#039;,
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-The Economic Times
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&lt;br /&gt;
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The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
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In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &amp;quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&amp;quot; rural development minister Jairam Ramesh said.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
The adverse impact of banks&#039; reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
The rural development minister has said that banks &amp;quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&amp;quot;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;div style=&quot;text-align: justify&quot;&gt;
For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.
&lt;/div&gt;&#039;,
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-The Economic Times





The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.





In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups...&#039;
$disp = &#039;&lt;div style=&quot;text-align: justify&quot;&gt;-The Economic Times&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &amp;quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&amp;quot; rural development minister Jairam Ramesh said.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The adverse impact of banks&#039; reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;The rural development minister has said that banks &amp;quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&amp;quot;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;&lt;br /&gt;&lt;/div&gt;&lt;div style=&quot;text-align: justify&quot;&gt;For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.&lt;/div&gt;&#039;
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-The Economic Times





The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.





In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups..."/>
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                <strong>Centre for easy credit to rural population-Urmi Goswami</strong></h1>
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                <div style="text-align: justify">-The Economic Times</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&quot; rural development minister Jairam Ramesh said.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The adverse impact of banks' reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The rural development minister has said that banks &quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&quot;</div><div style="text-align: justify"><br /></div><div style="text-align: justify">For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.</div>               </font>
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-The Economic Times
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<br />
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The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.
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<br />
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In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.
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<br />
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In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&quot; rural development minister Jairam Ramesh said.
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<br />
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The adverse impact of banks' reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.
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<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The rural development minister has said that banks &quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&quot;
</div>
<div style="text-align: justify">
<br />
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For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.
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-The Economic Times





The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.





In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups...',
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	'title' => 'Centre for easy credit to rural population-Urmi Goswami',
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-The Economic Times
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&quot; rural development minister Jairam Ramesh said.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The adverse impact of banks' reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
The rural development minister has said that banks &quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&quot;
</div>
<div style="text-align: justify">
<br />
</div>
<div style="text-align: justify">
For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.
</div>',
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-The Economic Times





The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.





In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups...'
$disp = '<div style="text-align: justify">-The Economic Times</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. &quot;The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks,&quot; rural development minister Jairam Ramesh said.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The adverse impact of banks' reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states.</div><div style="text-align: justify"><br /></div><div style="text-align: justify">The rural development minister has said that banks &quot;need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment.&quot;</div><div style="text-align: justify"><br /></div><div style="text-align: justify">For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.</div>'
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Centre for easy credit to rural population-Urmi Goswami

-The Economic Times The Centre plans to make bank creditaccess easier for rural population, especially in states were poverty is high. In Uttar Pradesh, Madhya Pradesh, Rajasthan, Bihar, Jharkhand, Chhattisgarh, Maharashtra and Gujarat, the gap between credit available to self help groups and the demand for credit is stark. At present, 80 per cent of all bank support to SHGs is in Andhra Pradesh, Tamil Nadu, Karnataka and Kerala. In Uttar Pradesh, Madhya Pradesh and Rajasthan, credit disbursal figures would account for 10 per cent to 15 per cent demand. The demand for credit in these states is 14,612 crore in 2012-13, while disbursement in 2011-12 is only 3,384 crore. The high demand in these states clearly indicates that there has been an expansion of self-help groups. However, the low level of credit disbursal presents a worrying situation. Without expansion in bank linkage, these groups will have little or no impact in improving rural livelihoods. "The low level of credit disbursement reflects both administrative infirmities in the states as well as a chalta hai approach of the banks," rural development minister Jairam Ramesh said. The adverse impact of banks' reluctance in sanctioning loans to self help groups is reflected in the inability of the UPA government to make good on its intervention to improve and augment rural livelihoods. Based on feedback, the rural development ministry finds that there is a reluctance at the level of bank branch managers to sanction loans to self help groups as there is a risk perception in lending without collateral. Ramesh has written to finance minister P Chidambaram, requesting him to ask banks to step up linkages to self help groups, particularly in 15 high poverty states. The rural development minister has said that banks "need to provide proper orientation to the their staff at the field level in the rural areas to see providing loans to self help groups as sound business opportunity, based on proven track record of timely payment." For a government that is seeking to restore its aam aadmi credentials, a higher credit assistance for self help groups, which are key to improving rural livelihoods, would be welcome. With many of these poorly performing states heading for elections over the next year or so, the UPA government would like to be able to showcase its seriousness in improving rural livelihoods.