Growth and performance of Kisan Credit Card Scheme in India with special reference to Karnataka
The credit is the life blood of agriculture and which was disbursed through KCC Scheme in our country. The number of KCC issued and amount sanctioned in India, Karnataka, North-East Karnataka region and Bellary district was estimated using the compound growth rate analysis. The necessary secondary data about KCC scheme for India were collected from RBI publications since inception of the scheme. The same data for Karnataka, North East Karnataka region and Bellary district were collected for the period 2006-07 to 2011-12. The collected were pertaining to three formal agencies viz., commercial bank, RRBs and co-operatives. At national level, the commercial banks have issued the highest number of KCCs amongst the three formal financial agencies. The commercial banks issued highest KCCs (45.33%) followed by co-operative banks (40.30%) and minimum issued by RRBs (14.37%). The similar pattern was observed for Karnataka state and Bellary district. Whereas in North-East Karnataka region, the highest number of KCCs was issued by RRBs. The highest percent of operational holding covered by KCC was in case of North-East Karnataka region (610.09%) followed by Karnataka (391.82%) and Bellary district (332.87%).
Financial Innovation in Indian Agricultural Credit Market: Progress and Performance of Kisan Credit Card
Credit is one of the critical inputs in agriculture and an effective means of rural development in India. The institutional credit delivery system for agriculture was started in the country with the setting up of co-operative credit societies in 1904, but the coverage of these societies towards meeting the credit requirement of farmers was limited. Therefore, the farming community had to depend on informal money-lending sources for its entire credit requirement. The recommendations of All India Rural Credit Survey Committee in fact laid the foundations of institutional mechanism for establishing a sound credit delivery system in the country for financing agriculture and allied activities. A large number of agencies, including co-operative banks, Regional Rural Banks (RRBs), commercial banks, non-banking financial institutions, micro financial institutions and Self-Help Groups together constitute the Indian institutional rural credit delivery system. One of the objectives of the credit policy is to minimise the role of money lenders in the flow of agricultural credit. Several initiatives have been taken in this direction and the major milestones in rural credit flow are: acceptance of the Report of Rural Credit Survey Committee (1954), nationalisation of major commercial banks (1969 and 1980), opening of Regional Rural Banks (RRBs) in 1975, and establishment of National Bank for Agriculture and Rural Development (NABARD) in 1982 and introduction of the on-going reforms in the financial sector since 1991. Simultaneously, several other measures like launching of Lead Bank Scheme, directed lending for the priority sectors, linkage of banking sector with the government sponsored programmes targeted at the poor, Differential Rate of Interest Scheme, Service Area Approach, SHG-Bank linkage programme, etc. were also undertaken. In recent years, initiatives like Kisan Credit Card Scheme (KCCs), special Agricultural Credit Plans, and Rural Infrastructure Development Fund (RIDF)
Sôbre a meiose de Dysdercus mendesi bloete (1937) - Hemiptera, pyrrhocoridæ
1  - The spermatogonia of Dysdercus mendesi Bloete have 16 chromosomes : 7 pairs of autosomes and 2 sex-chromosomes. 2  - After the last spermatogonia! division, the chromatin of the autosomes diffuses and the nucleoplasm assumes an uniform granulai- aspect ; each sex-chromosome is involved by a vesicle and stands well colored. 3  - While the chromatin of the autosomes starts to condense again, to form the long threads (that finnally are seen in a paired condition) the cycle of the sex-chromosomes is as follows : a)  yet contained in the vesicles, they grow in size and become long rods ;        b)  the vesicles disappear, the sex-chromosomes move inside the nucleoplasm and come to be disposed longitudinally, close together.        c)  they touch each other, become fissured, and a tetradlike chromatic element is formed, which contracts itself, remaining always well colored. 4  - The hetero-pycnosis of the sex-chromosomes is observed through the whole grow phase of the spermatocyte I. 5  - The separation of the sex-chromosome tetrad, originating two independent sex-chromosomes, is observed in the early grow phase of the spermatocyte as well as during any other period of this phase. The latest separation is observed during the diffuse stage of the nucleus. 6  - When the autosomes are in diakinesis, the sex-chromosomes assume the aspect of chromosomes in pachytene. 7  - In metaphase I the autosomic tetrads are in a more condensed and colored condition than the sex-chromosomes. The sex-chromosomes move to the center of the autosome-forming circle, but there is no contact between them. 8  - In anaphase I it is observed 2 interzonal connections between each autosomic dyad ; some exceptions are observed. Only one interzonal connection is observed between the separating sex-chromosomes. Moving to the poles the sex-chromosomes also approximate one to the other. 9  - In telophase I the sex-chromosome touch each other, and fuse side-by-side, forming only one chromatic element. The line of fusion is well visible through the subsequent stages of meiosis. 10  - In metaphase II the autosomes are disposed at the equator. The sex-chromosome, dyad is also disposed at the equator, as well as at any other position. 11  - In anaphase II the separation of the auto.somes is normal, and it is seen only one interzonal connection between its halves. The sex-chromosome dyad do not separate and moves to one pole, always in precession. 12  - There are two classes of spermatids : a) with 7 autosomes ; b) with 7 autosomes plus the sex-chromosome dyad. 13  - During the first phases of the spermatogeneses the 7-autosomc containing nucleus presents a reticulated aspect ; the sex-chromosome-dyad containing nucleus shows this chromatic element well colored inside the reticulated nucleoplasm. 14  - The male of Dysdercus mendesi Bloete has 7 AA + XX chromosomes. NOTE - A discussion on the movements of the sex-chromosome and its cycle. as well as on some aspects of the pairing of the autosomes, is being prepared. It will be published in the near future. The female of Dysdercus mendesi Bloete has 2n = 14A+4X.