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Urban Cooperative Banks: A Case Study of Karnataka

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  • SAHA, AMRITA

Abstract

The Urban Cooperative Banks catering to the needs of the people of the weaker sections in the urban areas are a powerful means of financial empowerment and financial inclusion. Urban Cooperative Banking is based on the twin model of Banking & Cooperation. In spite of immense heterogeneity in assets, operation area, nature of operation; UCBs have immense potential to tackle externalities that inhibit smooth credit flow at a local level.I have undertaken a Case Study on UCBs in Karnataka. It is based on first-hand qualitative and quantitative data from the UCBs, secondary data from RBI Offsite Surveillance System, Bank’s Balance Sheets & RBI Inspection reports. A survey of the selected UCBs in June 2009 yielded meaningful insights.

Suggested Citation

  • Saha, Amrita, 2010. "Urban Cooperative Banks: A Case Study of Karnataka," MPRA Paper 26377, University Library of Munich, Germany.
    • Handle: RePEc:pra:mprapa:26377
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    References listed on IDEAS

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    1. Demirguc-Kunt, Asli & Huizinga, Harry, 2000. "Financial structure and bank profitability," Policy Research Working Paper Series 2430, The World Bank.
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    More about this item

    Keywords

    Urban Cooperative Banks;

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

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