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\Runner::__invoke() - CORE/src/Http/Runner.php, line 65
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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')) {

                trigger_error($message, E_USER_WARNING);

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</span></span></code>
<span class="code-highlight"><code><span style="color: #000000">&nbsp;&nbsp;&nbsp;&nbsp;&lt;link&nbsp;rel="canonical"&nbsp;href="<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">Configure</span><span style="color: #007700">::</span><span style="color: #0000BB">read</span><span style="color: #007700">(</span><span style="color: #DD0000">'SITE_URL'</span><span style="color: #007700">);&nbsp;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$urlPrefix</span><span style="color: #007700">;</span><span style="color: #0000BB">?&gt;&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">category</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">slug</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>/<span style="color: #0000BB">&lt;?php&nbsp;</span><span style="color: #007700">echo&nbsp;</span><span style="color: #0000BB">$article_current</span><span style="color: #007700">-&gt;</span><span style="color: #0000BB">seo_url</span><span style="color: #007700">;&nbsp;</span><span style="color: #0000BB">?&gt;</span>.html"/&gt;
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</span></span></code></pre><pre id="cakeErr67f07fae9ece0-context" class="cake-context" style="display: none;">$viewFile = &#039;/home/brlfuser/public_html/src/Template/Layout/printlayout.ctp&#039;
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		&#039;subheading&#039; =&gt; &#039;&#039;,
		&#039;description&#039; =&gt; &#039;&lt;br /&gt;
&lt;div align=&quot;justify&quot;&gt;
The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.&lt;br /&gt;
&lt;br /&gt;
JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.&lt;br /&gt;
&lt;br /&gt;
According to NABARD&#039;s State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like &#039;Kudumbasree&#039;, NGOSs and Banks.&lt;br /&gt;
&lt;br /&gt;
Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&amp;nbsp; and nurturing of JLGs by banks and NGOs, sources said.&lt;br /&gt;
&lt;br /&gt;
Through JLGs, the bank could &amp;quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&amp;quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s&amp;nbsp; &#039;State Credit Plan&#039; for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&amp;nbsp; outlay of Rs 58,159 crore.&lt;br /&gt;
&lt;br /&gt;
While the &#039;primary sector&#039; comprising&amp;nbsp; agriculture and allied activities would get Rs 25872 crore, the &#039;secondary sector&#039; with small and micro enterprises would get a credit share of Rs 4130 crore.&lt;br /&gt;
&lt;br /&gt;
The &#039;tertiary sector&#039; including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.&lt;br /&gt;
&lt;br /&gt;
To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.&lt;br /&gt;
&lt;br /&gt;
The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.&lt;br /&gt;
&lt;br /&gt;
While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.&lt;br /&gt;
&lt;br /&gt;
For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&amp;nbsp;&amp;nbsp; &lt;br /&gt;
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Business Standard, 7 January, 2011, http://www.business-standard.com/india/news/nabard-to-stream-micro-credit-through-grass-root-groups/121434/on&#039;,
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.

JLs are informal groups of even 4-10 individuals...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;br /&gt;&lt;div align=&quot;justify&quot;&gt;The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.&lt;br /&gt;&lt;br /&gt;JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.&lt;br /&gt;&lt;br /&gt;According to NABARD&#039;s State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like &#039;Kudumbasree&#039;, NGOSs and Banks.&lt;br /&gt;&lt;br /&gt;Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&amp;nbsp; and nurturing of JLGs by banks and NGOs, sources said.&lt;br /&gt;&lt;br /&gt;Through JLGs, the bank could &amp;quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&amp;quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.&lt;br /&gt;&lt;br /&gt;NABARD&#039;s&amp;nbsp; &#039;State Credit Plan&#039; for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&amp;nbsp; outlay of Rs 58,159 crore.&lt;br /&gt;&lt;br /&gt;While the &#039;primary sector&#039; comprising&amp;nbsp; agriculture and allied activities would get Rs 25872 crore, the &#039;secondary sector&#039; with small and micro enterprises would get a credit share of Rs 4130 crore.&lt;br /&gt;&lt;br /&gt;The &#039;tertiary sector&#039; including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.&lt;br /&gt;&lt;br /&gt;To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.&lt;br /&gt;&lt;br /&gt;The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.&lt;br /&gt;&lt;br /&gt;NABARD&#039;s annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.&lt;br /&gt;&lt;br /&gt;While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.&lt;br /&gt;&lt;br /&gt;For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&amp;nbsp;&amp;nbsp; &lt;br /&gt;&lt;/div&gt;&#039;,
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&lt;br /&gt;
JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.&lt;br /&gt;
&lt;br /&gt;
According to NABARD&#039;s State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like &#039;Kudumbasree&#039;, NGOSs and Banks.&lt;br /&gt;
&lt;br /&gt;
Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&amp;nbsp; and nurturing of JLGs by banks and NGOs, sources said.&lt;br /&gt;
&lt;br /&gt;
Through JLGs, the bank could &amp;quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&amp;quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s&amp;nbsp; &#039;State Credit Plan&#039; for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&amp;nbsp; outlay of Rs 58,159 crore.&lt;br /&gt;
&lt;br /&gt;
While the &#039;primary sector&#039; comprising&amp;nbsp; agriculture and allied activities would get Rs 25872 crore, the &#039;secondary sector&#039; with small and micro enterprises would get a credit share of Rs 4130 crore.&lt;br /&gt;
&lt;br /&gt;
The &#039;tertiary sector&#039; including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.&lt;br /&gt;
&lt;br /&gt;
To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.&lt;br /&gt;
&lt;br /&gt;
The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.&lt;br /&gt;
&lt;br /&gt;
While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.&lt;br /&gt;
&lt;br /&gt;
For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&amp;nbsp;&amp;nbsp; &lt;br /&gt;
&lt;/div&gt;&#039;,
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.

JLs are informal groups of even 4-10 individuals...&#039;
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through 'Joint Liability Groups' (JLs) in Kerala as it is found more effective way of priority sector lending.

JLs are informal groups of even 4-10 individuals..."/>
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                <strong>NABARD to stream micro credit through grass root groups</strong></h1>
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                <br /><div align="justify">The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through 'Joint Liability Groups' (JLs) in Kerala as it is found more effective way of priority sector lending.<br /><br />JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.<br /><br />According to NABARD's State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like 'Kudumbasree', NGOSs and Banks.<br /><br />Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&nbsp; and nurturing of JLGs by banks and NGOs, sources said.<br /><br />Through JLGs, the bank could &quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.<br /><br />NABARD's&nbsp; 'State Credit Plan' for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&nbsp; outlay of Rs 58,159 crore.<br /><br />While the 'primary sector' comprising&nbsp; agriculture and allied activities would get Rs 25872 crore, the 'secondary sector' with small and micro enterprises would get a credit share of Rs 4130 crore.<br /><br />The 'tertiary sector' including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.<br /><br />To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.<br /><br />The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.<br /><br />NABARD's annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.<br /><br />While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.<br /><br />For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&nbsp;&nbsp; <br /></div>               </font>
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    <link rel="canonical" href="https://im4change.in/<pre class="cake-error"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f07fae9ece0-trace').style.display = (document.getElementById('cakeErr67f07fae9ece0-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="cakeErr67f07fae9ece0-trace" class="cake-stack-trace" style="display: none;"><a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f07fae9ece0-code').style.display = (document.getElementById('cakeErr67f07fae9ece0-code').style.display == 'none' ? '' : 'none')">Code</a> <a href="javascript:void(0);" onclick="document.getElementById('cakeErr67f07fae9ece0-context').style.display = (document.getElementById('cakeErr67f07fae9ece0-context').style.display == 'none' ? '' : 'none')">Context</a><pre id="cakeErr67f07fae9ece0-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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&lt;div align=&quot;justify&quot;&gt;
The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.&lt;br /&gt;
&lt;br /&gt;
JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.&lt;br /&gt;
&lt;br /&gt;
According to NABARD&#039;s State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like &#039;Kudumbasree&#039;, NGOSs and Banks.&lt;br /&gt;
&lt;br /&gt;
Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&amp;nbsp; and nurturing of JLGs by banks and NGOs, sources said.&lt;br /&gt;
&lt;br /&gt;
Through JLGs, the bank could &amp;quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&amp;quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s&amp;nbsp; &#039;State Credit Plan&#039; for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&amp;nbsp; outlay of Rs 58,159 crore.&lt;br /&gt;
&lt;br /&gt;
While the &#039;primary sector&#039; comprising&amp;nbsp; agriculture and allied activities would get Rs 25872 crore, the &#039;secondary sector&#039; with small and micro enterprises would get a credit share of Rs 4130 crore.&lt;br /&gt;
&lt;br /&gt;
The &#039;tertiary sector&#039; including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.&lt;br /&gt;
&lt;br /&gt;
To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.&lt;br /&gt;
&lt;br /&gt;
The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.&lt;br /&gt;
&lt;br /&gt;
While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.&lt;br /&gt;
&lt;br /&gt;
For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&amp;nbsp;&amp;nbsp; &lt;br /&gt;
&lt;/div&gt;&#039;,
		&#039;credit_writer&#039; =&gt; &#039;The Business Standard, 7 January, 2011, http://www.business-standard.com/india/news/nabard-to-stream-micro-credit-through-grass-root-groups/121434/on&#039;,
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.

JLs are informal groups of even 4-10 individuals...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;br /&gt;&lt;div align=&quot;justify&quot;&gt;The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.&lt;br /&gt;&lt;br /&gt;JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.&lt;br /&gt;&lt;br /&gt;According to NABARD&#039;s State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like &#039;Kudumbasree&#039;, NGOSs and Banks.&lt;br /&gt;&lt;br /&gt;Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&amp;nbsp; and nurturing of JLGs by banks and NGOs, sources said.&lt;br /&gt;&lt;br /&gt;Through JLGs, the bank could &amp;quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&amp;quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.&lt;br /&gt;&lt;br /&gt;NABARD&#039;s&amp;nbsp; &#039;State Credit Plan&#039; for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&amp;nbsp; outlay of Rs 58,159 crore.&lt;br /&gt;&lt;br /&gt;While the &#039;primary sector&#039; comprising&amp;nbsp; agriculture and allied activities would get Rs 25872 crore, the &#039;secondary sector&#039; with small and micro enterprises would get a credit share of Rs 4130 crore.&lt;br /&gt;&lt;br /&gt;The &#039;tertiary sector&#039; including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.&lt;br /&gt;&lt;br /&gt;To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.&lt;br /&gt;&lt;br /&gt;The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.&lt;br /&gt;&lt;br /&gt;NABARD&#039;s annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.&lt;br /&gt;&lt;br /&gt;While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.&lt;br /&gt;&lt;br /&gt;For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&amp;nbsp;&amp;nbsp; &lt;br /&gt;&lt;/div&gt;&#039;,
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.&lt;br /&gt;
&lt;br /&gt;
JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.&lt;br /&gt;
&lt;br /&gt;
According to NABARD&#039;s State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like &#039;Kudumbasree&#039;, NGOSs and Banks.&lt;br /&gt;
&lt;br /&gt;
Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&amp;nbsp; and nurturing of JLGs by banks and NGOs, sources said.&lt;br /&gt;
&lt;br /&gt;
Through JLGs, the bank could &amp;quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&amp;quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s&amp;nbsp; &#039;State Credit Plan&#039; for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&amp;nbsp; outlay of Rs 58,159 crore.&lt;br /&gt;
&lt;br /&gt;
While the &#039;primary sector&#039; comprising&amp;nbsp; agriculture and allied activities would get Rs 25872 crore, the &#039;secondary sector&#039; with small and micro enterprises would get a credit share of Rs 4130 crore.&lt;br /&gt;
&lt;br /&gt;
The &#039;tertiary sector&#039; including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.&lt;br /&gt;
&lt;br /&gt;
To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.&lt;br /&gt;
&lt;br /&gt;
The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.&lt;br /&gt;
&lt;br /&gt;
While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.&lt;br /&gt;
&lt;br /&gt;
For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&amp;nbsp;&amp;nbsp; &lt;br /&gt;
&lt;/div&gt;&#039;,
	&#039;credit_writer&#039; =&gt; &#039;The Business Standard, 7 January, 2011, http://www.business-standard.com/india/news/nabard-to-stream-micro-credit-through-grass-root-groups/121434/on&#039;,
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.

JLs are informal groups of even 4-10 individuals...&#039;
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through 'Joint Liability Groups' (JLs) in Kerala as it is found more effective way of priority sector lending.

JLs are informal groups of even 4-10 individuals..."/>
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                <strong>NABARD to stream micro credit through grass root groups</strong></h1>
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                <br /><div align="justify">The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through 'Joint Liability Groups' (JLs) in Kerala as it is found more effective way of priority sector lending.<br /><br />JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.<br /><br />According to NABARD's State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like 'Kudumbasree', NGOSs and Banks.<br /><br />Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&nbsp; and nurturing of JLGs by banks and NGOs, sources said.<br /><br />Through JLGs, the bank could &quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.<br /><br />NABARD's&nbsp; 'State Credit Plan' for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&nbsp; outlay of Rs 58,159 crore.<br /><br />While the 'primary sector' comprising&nbsp; agriculture and allied activities would get Rs 25872 crore, the 'secondary sector' with small and micro enterprises would get a credit share of Rs 4130 crore.<br /><br />The 'tertiary sector' including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.<br /><br />To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.<br /><br />The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.<br /><br />NABARD's annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.<br /><br />While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.<br /><br />For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&nbsp;&nbsp; <br /></div>               </font>
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&lt;div align=&quot;justify&quot;&gt;
The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.&lt;br /&gt;
&lt;br /&gt;
JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.&lt;br /&gt;
&lt;br /&gt;
According to NABARD&#039;s State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like &#039;Kudumbasree&#039;, NGOSs and Banks.&lt;br /&gt;
&lt;br /&gt;
Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&amp;nbsp; and nurturing of JLGs by banks and NGOs, sources said.&lt;br /&gt;
&lt;br /&gt;
Through JLGs, the bank could &amp;quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&amp;quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s&amp;nbsp; &#039;State Credit Plan&#039; for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&amp;nbsp; outlay of Rs 58,159 crore.&lt;br /&gt;
&lt;br /&gt;
While the &#039;primary sector&#039; comprising&amp;nbsp; agriculture and allied activities would get Rs 25872 crore, the &#039;secondary sector&#039; with small and micro enterprises would get a credit share of Rs 4130 crore.&lt;br /&gt;
&lt;br /&gt;
The &#039;tertiary sector&#039; including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.&lt;br /&gt;
&lt;br /&gt;
To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.&lt;br /&gt;
&lt;br /&gt;
The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.&lt;br /&gt;
&lt;br /&gt;
While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.&lt;br /&gt;
&lt;br /&gt;
For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&amp;nbsp;&amp;nbsp; &lt;br /&gt;
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.

JLs are informal groups of even 4-10 individuals...&#039;,
	&#039;disp&#039; =&gt; &#039;&lt;br /&gt;&lt;div align=&quot;justify&quot;&gt;The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.&lt;br /&gt;&lt;br /&gt;JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.&lt;br /&gt;&lt;br /&gt;According to NABARD&#039;s State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like &#039;Kudumbasree&#039;, NGOSs and Banks.&lt;br /&gt;&lt;br /&gt;Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&amp;nbsp; and nurturing of JLGs by banks and NGOs, sources said.&lt;br /&gt;&lt;br /&gt;Through JLGs, the bank could &amp;quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&amp;quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.&lt;br /&gt;&lt;br /&gt;NABARD&#039;s&amp;nbsp; &#039;State Credit Plan&#039; for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&amp;nbsp; outlay of Rs 58,159 crore.&lt;br /&gt;&lt;br /&gt;While the &#039;primary sector&#039; comprising&amp;nbsp; agriculture and allied activities would get Rs 25872 crore, the &#039;secondary sector&#039; with small and micro enterprises would get a credit share of Rs 4130 crore.&lt;br /&gt;&lt;br /&gt;The &#039;tertiary sector&#039; including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.&lt;br /&gt;&lt;br /&gt;To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.&lt;br /&gt;&lt;br /&gt;The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.&lt;br /&gt;&lt;br /&gt;NABARD&#039;s annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.&lt;br /&gt;&lt;br /&gt;While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.&lt;br /&gt;&lt;br /&gt;For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&amp;nbsp;&amp;nbsp; &lt;br /&gt;&lt;/div&gt;&#039;,
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.&lt;br /&gt;
&lt;br /&gt;
JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.&lt;br /&gt;
&lt;br /&gt;
According to NABARD&#039;s State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like &#039;Kudumbasree&#039;, NGOSs and Banks.&lt;br /&gt;
&lt;br /&gt;
Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&amp;nbsp; and nurturing of JLGs by banks and NGOs, sources said.&lt;br /&gt;
&lt;br /&gt;
Through JLGs, the bank could &amp;quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&amp;quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s&amp;nbsp; &#039;State Credit Plan&#039; for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&amp;nbsp; outlay of Rs 58,159 crore.&lt;br /&gt;
&lt;br /&gt;
While the &#039;primary sector&#039; comprising&amp;nbsp; agriculture and allied activities would get Rs 25872 crore, the &#039;secondary sector&#039; with small and micro enterprises would get a credit share of Rs 4130 crore.&lt;br /&gt;
&lt;br /&gt;
The &#039;tertiary sector&#039; including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.&lt;br /&gt;
&lt;br /&gt;
To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.&lt;br /&gt;
&lt;br /&gt;
The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.&lt;br /&gt;
&lt;br /&gt;
NABARD&#039;s annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.&lt;br /&gt;
&lt;br /&gt;
While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.&lt;br /&gt;
&lt;br /&gt;
For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&amp;nbsp;&amp;nbsp; &lt;br /&gt;
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.

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$disp = &#039;&lt;br /&gt;&lt;div align=&quot;justify&quot;&gt;The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through &#039;Joint Liability Groups&#039; (JLs) in Kerala as it is found more effective way of priority sector lending.&lt;br /&gt;&lt;br /&gt;JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.&lt;br /&gt;&lt;br /&gt;According to NABARD&#039;s State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like &#039;Kudumbasree&#039;, NGOSs and Banks.&lt;br /&gt;&lt;br /&gt;Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&amp;nbsp; and nurturing of JLGs by banks and NGOs, sources said.&lt;br /&gt;&lt;br /&gt;Through JLGs, the bank could &amp;quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&amp;quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.&lt;br /&gt;&lt;br /&gt;NABARD&#039;s&amp;nbsp; &#039;State Credit Plan&#039; for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&amp;nbsp; outlay of Rs 58,159 crore.&lt;br /&gt;&lt;br /&gt;While the &#039;primary sector&#039; comprising&amp;nbsp; agriculture and allied activities would get Rs 25872 crore, the &#039;secondary sector&#039; with small and micro enterprises would get a credit share of Rs 4130 crore.&lt;br /&gt;&lt;br /&gt;The &#039;tertiary sector&#039; including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.&lt;br /&gt;&lt;br /&gt;To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.&lt;br /&gt;&lt;br /&gt;The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.&lt;br /&gt;&lt;br /&gt;NABARD&#039;s annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.&lt;br /&gt;&lt;br /&gt;While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.&lt;br /&gt;&lt;br /&gt;For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&amp;nbsp;&amp;nbsp; &lt;br /&gt;&lt;/div&gt;&#039;
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through 'Joint Liability Groups' (JLs) in Kerala as it is found more effective way of priority sector lending.

JLs are informal groups of even 4-10 individuals..."/>
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                <strong>NABARD to stream micro credit through grass root groups</strong></h1>
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                <br /><div align="justify">The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through 'Joint Liability Groups' (JLs) in Kerala as it is found more effective way of priority sector lending.<br /><br />JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.<br /><br />According to NABARD's State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like 'Kudumbasree', NGOSs and Banks.<br /><br />Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&nbsp; and nurturing of JLGs by banks and NGOs, sources said.<br /><br />Through JLGs, the bank could &quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.<br /><br />NABARD's&nbsp; 'State Credit Plan' for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&nbsp; outlay of Rs 58,159 crore.<br /><br />While the 'primary sector' comprising&nbsp; agriculture and allied activities would get Rs 25872 crore, the 'secondary sector' with small and micro enterprises would get a credit share of Rs 4130 crore.<br /><br />The 'tertiary sector' including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.<br /><br />To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.<br /><br />The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.<br /><br />NABARD's annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.<br /><br />While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.<br /><br />For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&nbsp;&nbsp; <br /></div>               </font>
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through 'Joint Liability Groups' (JLs) in Kerala as it is found more effective way of priority sector lending.<br />
<br />
JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.<br />
<br />
According to NABARD's State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like 'Kudumbasree', NGOSs and Banks.<br />
<br />
Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&nbsp; and nurturing of JLGs by banks and NGOs, sources said.<br />
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Through JLGs, the bank could &quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.<br />
<br />
NABARD's&nbsp; 'State Credit Plan' for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&nbsp; outlay of Rs 58,159 crore.<br />
<br />
While the 'primary sector' comprising&nbsp; agriculture and allied activities would get Rs 25872 crore, the 'secondary sector' with small and micro enterprises would get a credit share of Rs 4130 crore.<br />
<br />
The 'tertiary sector' including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.<br />
<br />
To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.<br />
<br />
The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.<br />
<br />
NABARD's annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.<br />
<br />
While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.<br />
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For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&nbsp;&nbsp; <br />
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through 'Joint Liability Groups' (JLs) in Kerala as it is found more effective way of priority sector lending.<br />
<br />
JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee.<br />
<br />
According to NABARD's State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like 'Kudumbasree', NGOSs and Banks.<br />
<br />
Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation&nbsp; and nurturing of JLGs by banks and NGOs, sources said.<br />
<br />
Through JLGs, the bank could &quot;reach the rural masses including the tribals, fisherfolk and farmers in a better way,&quot; a NABARD document quoting Dr Prakash Bakshi,executive director, said.<br />
<br />
NABARD's&nbsp; 'State Credit Plan' for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a&nbsp; outlay of Rs 58,159 crore.<br />
<br />
While the 'primary sector' comprising&nbsp; agriculture and allied activities would get Rs 25872 crore, the 'secondary sector' with small and micro enterprises would get a credit share of Rs 4130 crore.<br />
<br />
The 'tertiary sector' including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan.<br />
<br />
To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says.<br />
<br />
The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts.<br />
<br />
NABARD's annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore.<br />
<br />
While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10.<br />
<br />
For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.&nbsp;&nbsp; <br />
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The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through 'Joint Liability Groups' (JLs) in Kerala as it is found more effective way of priority sector lending.

JLs are informal groups of even 4-10 individuals...'
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NABARD to stream micro credit through grass root groups

The National Bank for Agriculture and Rurual Development (NABARD) will pay greater focus on financing through 'Joint Liability Groups' (JLs) in Kerala as it is found more effective way of priority sector lending. JLs are informal groups of even 4-10 individuals joining together for the purpose of availing bank loans through group mechanisms against mutual guarantee. According to NABARD's State Credit Plan 2011-12, financial inclusion through JLGs would be deepened in partnerships with neighbourhood groups like 'Kudumbasree', NGOSs and Banks. Over 21,000 JLGs had been promoted by the bank in the last year in Kerala alone. It also gives promotional assitance for formation  and nurturing of JLGs by banks and NGOs, sources said. Through JLGs, the bank could "reach the rural masses including the tribals, fisherfolk and farmers in a better way," a NABARD document quoting Dr Prakash Bakshi,executive director, said. NABARD's  'State Credit Plan' for 2011-12, an aggregation of potential linked credit plans of the 14 districts of Kerala, envisaged a  outlay of Rs 58,159 crore. While the 'primary sector' comprising  agriculture and allied activities would get Rs 25872 crore, the 'secondary sector' with small and micro enterprises would get a credit share of Rs 4130 crore. The 'tertiary sector' including small road transport, tourism, housing and eductional loans would get an outlay of Rs 28,155 crore under the Credit Plan. To help farmers meet growing expenses, the bank would ensure 100 per cent coverage of Kisan Credit Cards (KCC) to all eligibele farmers in the state. Efforts will also be done to make KCCs smart and linking to ATMs, it says. The plan has laid focus on adequate credit estimate for crop production, organic farming, land development, soil and water conservation, rural tourism and traditional industries like coir, handlooms and handicrafts. NABARD's annual financial assistance to Kerala for various economic activities in rural sector and rural infrastrure creation is in tune of over Rs 2,100 crore. While it had provided an assistance of Rs 913 crore to banks for agriculture lending and non-farming activities, Rs 837 crore was outlayed under short term credit during 2009-10. For creation of rural infrastrure, loans to the tune of Rs 382 crore was provided to Government of Kerala during the same period, sources said.