ISSN (Print) - 0012-9976 | ISSN (Online) - 2349-8846

K S Ramachandra RaoSubscribe to K S Ramachandra Rao

Commercial Bank Lending to Small-Scale Industry

It is believed that the working capital support extended by commercial banks to small-scale industry is far from adequate. Although the SSI is a part of the priority sector, its share in total priority sector advances of all scheduled commercial banks has been falling consistently from around 39 per cent in 1992 to around 24 per cent in 2004. This paper examines the trends in sectoral allocation of bank credit to the SSI vis-Ã -vis the non-SSI sector in the post-reform period. The paper also makes an attempt to understand the variations in bank credit to the SSI sector across bank groups, and also the influence of the size and performance of banks on credit to the SSI sector. The results indicate that the high incidence of bad loans arising out of SSI advances could be one of the reasons for the declining share of SSI loans of the commercial banks.

Indebtedness of Households:Changing Characteristics

This paper attempts to examine indebtedness of rural and urban households in terms of their major characteristics in 1981 and 1991. The important changes introduced in the All-India Debt and Investment Survey of 1991-92 are reviewed and a comparison of the estimates of household debt from the survey with those derived from other sources is presented.

Measurement of Technological Changes in Indian Economy, 1968-69 to 1979-80

This paper discusses the concept technological change and attempts to measure such change in the Indian economy over the period 1968-69 to 1979-80 through an input-output approach. The extent of changes in input- output coefficients (technical coefficients) are quantified and an attempt is made to segregate change in output due to changes in final demand from that due to changes in technology.
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