In India rural people such as small and marginal farmers, landless agricultural laborers, artisans and socially and economically backward castes and classes they have been exploited in the name of credit facility by informal sector. The rural credit market consists of both formal and informal financial institutions and agencies that meet the credit needs of the rural masses in India. The supply of total formal credit is inadequate and rural credit markets are imperfect and fragmented. Moreover, the distribution of formal sector credit has been unequal, particularly with respect to region and class, cast and gender in the country side. Regional Rural Banks were established under the provisions of an Ordinance promulgated on the 26th September 1975 and the RRB Act, 1975 with an objective to ensure sufficient institutional credit for agriculture and other rural sectors.This book is useful to policy makers and researchers in the field of Regional Rural Banks and Weaker Sections Development.

With special reference to their performance in rural credit in Uttaranchal, India.

This book divided into six chapters contain is inter alia the analysis of the purpose and logic of the already existing credit institutions, their strengths and weaknesses in achieving the goals for which they were setup, the changing environment which necessitates the setting up of new institutions called Regional Rural Banks, an analysis of their operations at all India level and in the state of Orissa. Very useful to teachers and researchers engaged in the study of rural banking especially in the post banking sector reform period.

Institutional finance is an important pre-requisite for rural development. Institutional credit entered the rural areas a long ago the form of co-operatives and later in the form of commercial banks after their nationalisation in 1969. But these institutions failed to penetrate the rural areas as the benefits of the institutional credit continued to be cornered by the influential and economically and politically powerful sections of the society.

"Akashvani" (English) is a programme journal of ALL INDIA RADIO, it was formerly known as The Indian Listener. It used to serve the listener as a bradshaw of broadcasting ,and give listener the useful information in an interesting manner about programmes, who writes them, take part in them and produce them along with photographs of performing artists. It also contains the information of major changes in the policy and service of the organisation. The Indian Listener (fortnightly programme journal of AIR in English) published by The Indian State Broadcasting Service, Bombay, started on 22 December, 1935 and was the successor to the Indian Radio Times in English, which was published beginning in July 16 of 1927. From 22 August ,1937 onwards, it used to published by All India Radio, New Delhi. From 1950,it was turned into a weekly journal. Later, The Indian listener became "Akashvani" (English ) w.e.f. January 5, 1958. It was made fortnightly journal again w.e.f July 1,1983. NAME OF THE JOURNAL: AKASHVANI LANGUAGE OF THE JOURNAL: English DATE, MONTH & YEAR OF PUBLICATION: 29 OCTOBER, 1978 PERIODICITY OF THE JOURNAL: Weekly NUMBER OF PAGES: 68 VOLUME NUMBER: Vol. XLIII. No. 44 BROADCAST PROGRAMME SCHEDULE PUBLISHED (PAGE NOS): 3-28, 41-64 ARTICLE: 1.Freedom As Conceived By Aurobindo 2. Role of Anesthesia In Medicare 3. Regional Rural Banks 4. One Year Of CHW Scheme 5. Mercy -Killing or Euthanasia 6. Quasars and Pulsars 7. Harold Pinter 8. Humour In Administration 9. Tourist potential of Ladakh 10. Khasi Prose AUTHOR: 1. Prof. K. Seshadri 2. Dr. J. R. Chandnani 3. S. Ramakrishnan 4. Dr. B. C. Ghoshal 5. Dr. G.D. Velliath 6. Gauri Sanker Bhattacharya 7. Prof. K. Dwarkanath 8. S.Y. Krishnaswamy 9. Interview With S.P. Sahni, Journalist By Harbans Malik 10. Dr. R. S. Lyngdoh KEYWORDS : 1. Freedom as conceived by aurobindo 2. Role of anaesthesia in medicare, 3. Regional rural banks, new steps, 4. One year of chw scheme, miraculous curses, 5. One year of chw scheme, 6. Mercy— killing or euthanasia, miraculous curses 7. Quasars and pulsars 8. Harold pinter 9. Humour in administration, red-tapisi 10.Tourish potintiol potential, khasi prose Document ID : APE-1978 (O-D) Vol-II-05 Prasar Bharati Archives has the copyright in all matters published in this “AKASHVANI” and other AIR journals. For reproduction previous permission is essential.

Based On The Data Gathered From Field-Work And Secondary Sources, This Book Vividly Describes The Ground Realities Of An Agrarian Society Like That Of Punjab, Which Is Rapidly Transforming Itself In Terms Of Needs, Aspirations And Socio-Economic Perceptions Of The People.