Role of Regional Rural Banks in Promoting Rural Development in Karnataka: A Conceptual Study with Reference to Karnataka Grameen Bank and Karnataka Vikas Grameena Bank

References

[1] Al-Kubati, N. A. A., & Selvaratnam, D. P. (2023). Empowering women through the Self-Help Group Bank Linkage Programme as a tool for sustainable development: Lessons from India. Community Development Journal, 58(2), 283–308. doi:10.1093/cdj/bsab036

[2] Armendáriz, B., & Morduch, J. (2010). The economics of microfinance (2nd ed.). MIT Press.

[3] Banerjee, A., Duflo, E., Glennerster, R., & Kinnan, C. (2015). The miracle of microfinance? Evidence from a randomized evaluation. American Economic Journal: Applied Economics, 7(1), 22–53. doi:10.1257/app.20130533

[4] Basu, P. (2006). Improving access to finance for India’s rural poor. World Bank.

[5] Beck, T., Demirguc-Kunt, A., & Levine, R. (2007). Finance, inequality and the poor. Journal of Economic Growth, 12(1), 27–49. doi:10.1007/s10887-007-9010-6

[6] Bharti, N., & Kumari, S. (2022). Regional Rural Banks contribution to agriculture finance: A critical analysis of the performance of RRBs in India using DEA and structural equation modeling. Australasian Accounting, Business and Finance Journal, 16(5), 154–169.

[7] Binswanger, H. P., & Khandker, S. R. (1995). The impact of formal finance on the rural economy of India. The Journal of Development Studies, 32(2), 234–262.

[8] Burgess, R., & Pande, R. (2005). Do rural banks matter? Evidence from the Indian social banking experiment. American Economic Review, 95(3), 780–795. doi:10.1257/0002828054201242

[9] Chavan, P. (2007). Access to bank credit: Implications for Dalit rural households. Economic and Political Weekly, 42(31), 3219–3224.

[10] Cole, S., Sampson, T., & Zia, B. (2011). Prices or knowledge? What drives demand for financial services in emerging markets? The Journal of Finance, 66(6), 1933–1967. doi:10.1111/j.1540-6261.2011.01696.x

[11] Demirguc-Kunt, A., Klapper, L., Singer, D., Ansar, S., & Hess, J. (2018). The Global Findex Database 2017: Measuring financial inclusion and the fintech revolution. World Bank.

[12] Ibrahim, M. S. (2010). Performance evaluation of Regional Rural Banks in India. International Business Research, 3(4), 203–211. doi:10.5539/ibr.v3n4p203

[13] Ibrahim, M. S. (2016). Role of Indian Regional Rural Banks in the development of rural economy. International Journal of Commerce, Statistics and Information Technology Management, 2(1–2), 1–13.

[14] Khandker, S. R. (2005). Microfinance and poverty: Evidence using panel data from Bangladesh. The World Bank Economic Review, 19(2), 263–286. doi:10.1093/wber/lhi008

[15] Misra, B. S. (2007). The performance of Regional Rural Banks in India: Has past anything to suggest for future? eSocialSciences Working Paper.

[16] Nagalapur, M. B. (2019). Role of Karnataka Vikas Grameena Bank in rural development and financial inclusion. International Education and Research Journal, 5(2), 55–57.

[17] Nayak, A. K., Panigrahi, P. K., & Swain, B. (2019). Self-help groups in India: Challenges and a roadmap for sustainability. Social Responsibility Journal, 16(7), 1013–1033. doi:10.1108/SRJ-02-2019-0054

[18] Puhazhendi, V., & Badatya, K. C. (2002). SHG-bank linkage programme for rural poor: An impact assessment. National Bank for Agriculture and Rural Development.

[19] Rajeev, M., Vani, B. P., & Veerashekharappa. (2020). Group lending through an SHG bank-linkage programme in India: Transaction costs and social benefits. Development in Practice, 30(2), 168–181.

[20] Ranganatha, J., & Nayak, P. B. (2024). An exploration into the growth and performance of Karnataka Vikas Grameena Bank. PRAGATI: Journal of Indian Economy, 11(1), 120–137. doi:10.17492/jpi.pragati.v11i1.1112408

[21] Sarma, M., & Pais, J. (2011). Financial inclusion and development. Journal of International Development, 23(5), 613–628. doi:10.1002/jid.1698

[22] Serrao, M., Sequeira, A., & Varambally, K. V. M. (2021). Impact of financial inclusion on the socio-economic status of rural and urban households of vulnerable sections in Karnataka. arXiv.

[23] Shylendra, H. S. (1996). Institutional reform and rural poor: A study on the distributional performance of a Regional Rural Bank. Indian Journal of Agricultural Economics, 51(3), 301–314. doi:10.22004/ag.econ.297465

[24] Suresh, R. (2015). Regional Rural Banks and their performance: An empirical study. Journal of Rural Development, 34(3), 285–303.

[25] Swain, R. B., & Wallentin, F. Y. (2009). Does microfinance empower women? Evidence from self-help groups in India. International Review of Applied Economics, 23(5), 541–556. doi:10.1080/02692170903007540

[26] Tankha, A. (2015). Regional Rural Banks and financial inclusion: Policy imperatives. Poorest States Inclusive Growth Programme.

[27] Tigari, H., & Gaganadeepa, M. G. (2019). Regional Rural Banks and rural development: A case of Pragathi Krishna Gramin Bank. Shanlax International Journal of Economics, 7(2), 68–74. doi:10.34293/economics.v7i2.315

[28] Torri, M. C. (2012). Community gender entrepreneurship and self-help groups: A way forward to foster social capital and truly effective forms of participation among rural poor women? Community Development Journal, 47(1), 58–76. doi:10.1093/cdj/bsq019

[29] Yadav, A. N. (2023). A study of Regional Rural Banks: The conundrum of sustainability. Indian Journal of Finance, 17(5), 31–47.

@article{1719337,
      author = {Ravikumar Kuranal, Prof. Ravikumar K},
      title = {Role of Regional Rural Banks in Promoting Rural Development in Karnataka: A Conceptual Study with Reference to Karnataka Grameen Bank and Karnataka Vikas Grameena Bank},
      journal = {Iconic Research And Engineering Journals},
      year = {2026},
      volume = {9},
      number = {10},
      pages = {5027-5037},
      issn = {2456-8880},
      url = {https://www.irejournals.com/formatedpaper/1719337.pdf},
      abstract = {In India, regional rural banks have been instrumental in fostering inclusive development and bolstering rural credit delivery. By providing banking services, agricultural credit, self-help group financing, microenterprise support, and financial inclusion to rural and semi-urban populations, organizations like Karnataka Grameen Bank and Karnataka Vikas Grameena Bank have aided in rural development in Karnataka. With particular reference to these two banks, this conceptual paper investigates the function of regional rural banks in fostering rural development in Karnataka. The study is theoretical in nature and draws from secondary sources, including published reports, banking regulations, policy documents, and previous research on inclusive growth and rural finance. In order to support priority sectors, encourage entrepreneurship, mobilize savings, offer affordable credit, and lessen reliance on unofficial moneylenders, Regional Rural Banks serve as a bridge between rural communities and formal financial institutions. Additionally, it emphasizes how crucial rural banking is to raising agricultural productivity, generating income, empowering women through self-help organizations, and providing access to government-sponsored financial programs. The study's conceptual framework connects financial inclusion, profitable investment, livelihood enhancement, and general rural development with rural banking services. The study comes to the conclusion that regional rural banks are still crucial institutional tools for Karnataka's balanced regional development. However, operational effectiveness, digital inclusion, credit awareness, repayment discipline, and cooperation with government development initiatives are all necessary for their success.},
      keywords = {Regional Rural Banks, Rural Development, Karnataka Grameen Bank, Karnataka Vikas Grameena Bank, Financial Inclusion, Agricultural Credit, Priority Sector Lending, Self-Help Groups.},
      month = {April},
      doi = {https://doi.org/10.64388/IREV9I10-1719337}
  }