COMPARATIVE PERFORMANCE OF PUBLIC AND PRIVATE SECTOR BANKS IN DISBURSING MUDRA LOANS IN NAGPUR DISTRICT
नागपूर जिल्ह्यातील मुद्रा कर्ज वाटप करताना सार्वजनिक आणि खाजगी क्षेत्रातील बँकांची तुलनात्मक कामगिरी
DOI:
https://doi.org/10.29121/shodhkosh.v5.i7.2024.5033Keywords:
Mudra Loan, Public Sector Banks, Private Sector Banks, Nagpur District, Loan Disbursement, Micro-IndustryAbstract [English]
The objective of this research paper is to critically assess and compare the performance of public and private sector banks in disbursing MUDRA (Micro Units Development and Refinance Agency) loans in Nagpur district. MUDRA loans are designed to promote micro-enterprises and provide financial assistance to the under-served and unbanked sections of the society. The study examines various aspects of loan disbursement, including the total volume of loans disbursed by both public and private banks, the demographic profile of the borrowers, the different categories of loans offered and the repayment performance of these loans. Through this in-depth analysis, we have attempted to find out how effectively these banks are contributing to the growth and sustainability of micro-enterprises in Nagpur. By comparing the strengths and challenges faced by both sectors, the research aims to provide a comprehensive understanding of their role in enhancing financial inclusion. The findings will provide important insights on how banks can improve their support for small entrepreneurs, thereby boosting economic growth at the grassroots level.
Abstract [Hindi]
नागपूर जिल्ह्यातील मुद्रा (MUDRA) (मायक्रो युनिट्स डेव्हलपमेंट अँड रिफायनान्स एजन्सी) कर्जाच्या वितरणातील सार्वजनिक आणि खाजगी क्षेत्रातील बँकांच्या कामगिरीचे गंभीर मूल्यांकन आणि तुलना करणे हा या शोधनिबंधाचा उद्देश आहे. मुद्रा (MUDRA) कर्जाची रचना सूक्ष्म-उद्योगांना चालना देण्यासाठी आणि समाजातील कमी सेवा असलेल्या आणि बँक नसलेल्या वर्गांना आर्थिक सहाय्य देण्यासाठी केली गेली आहे. हा अध्ययन कर्ज वितरणाच्या विविध पैलूंचे परीक्षण करतो, ज्यामध्ये सार्वजनिक आणि खाजगी दोन्ही बँकांद्वारे वितरित केलेल्या कर्जांचे एकूण प्रमाण, कर्जदारांची लोकसंख्याशास्त्रीय स्थिती, सादर केलेल्या कर्जाच्या विविध श्रेणी आणि या कर्जांची परतफेड कामगिरी यांचा समावेश होतो. या सखोल विश्लेषणाद्वारे, या बँका नागपुरातील सूक्ष्म-व्यवसायांच्या वाढीसाठी आणि टिकाऊपणासाठी किती प्रभावीपणे योगदान देत आहेत हे शोधण्याचा प्रयत्न केला आहे. दोन्ही क्षेत्रांद्वारे सामर्थ्य आणि आव्हाने यांची तुलना करून, संशोधनाचे उद्दिष्ट आर्थिक समावेश वाढवण्याच्या त्यांच्या भूमिकेची व्यापक समज प्रदान करणे आहे. बँका लहान उद्योजकांसाठी त्यांचे समर्थन कसे सुधारू शकतात, ज्यामुळे तळागाळातील आर्थिक विकासाला चालना मिळेल याविषयीचे निष्कर्ष हे महत्त्वाचे अंतर्दृष्टी प्रदान करतील.
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