THE COOPERATOR | SEPTEMBER 2023 Implications of Model Byelaws of PACS in Kerala Dr. G. Veerakumaran 05 Gender Equality: An Essential Measure to Ensure During Amrit Kaal Nandini Roy 11 dkuwuh tkx:drk ls l'kä gks jgha lgdkjh lfefr;ka jfprk vxzoky Lo;a lgk;rk lewg dh cSafdax ç.kkyh fxfjjkt flag jkBkSj 19 25
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Ketankumar T. Parikh
THE COOPERATOR | SEPTEMBER 2023 5 Cooperatives in Kerala Uniqueness of PACS in Kerala
6 THE COOPERATOR | SEPTEMBER 2023 Sl. No Name of PACS Non-Banking Business 1. Thirur Service Cooperative Bank(TSCB) • Neethi Medicals • Farmers Hand Campaign • Good Food Campaign • Supermarket • Ambulance service • Freezer service 2. Venginissery Service Cooperative Bank • Weighing bridge • Mini conference hall / Auditorium • Farmers Service Centre • Neethi Medical Store • Neethi Clinic • Death Insurance Claim 3. Neloor Service Cooperative Bank • Food Processing Units 4. Paravur Vadakkekkara Service Cooperative Bank • Neethi Medical Store • Medical Lab • Fertilizer Depot • Ambulance Service • Coop Mart • Super Market • Nursery • Polyhouse • Auditorium • e-SevanaKendram • Library 5. Varapetty Service Cooperative Bank • Locker Facility • Neethi Store • Fertilizer Depot • Tele Purchasing 6. Veliyathinad Service Cooperative Bank • Mushroom Farming Projects 7. Anicadu Service Cooperative Bank • Diagnostic Centre • Neethi Medical Store • Provision Store • Fertilizer Depot 8. Palliyakkal Service Cooperative Bank • Agro Clinic • Nursery • Green Army • Mechanization • Seed Bank • Pokkali rice mill • Tourism 9. Thankamany Service Cooperative Bank • Tea and Spices (Sahya) 10. Kakkoor Service Cooperative Bank • Neethi Medicals • Provision Store • Cement Depot • Fertilizer Depot • Nursery 11. Koratty Service Cooperative Bank • Locker Facility • Neethi Lab • NeethiOpticals • Neethi Medical Store 12. Vennoor service Cooperative bank • Jeevanam Eco Shop • Soil Testing Lab • Tissue Culture Lab • Jeevanam Hall • Neethi Hi-Tech Medical lab • Manure Depot • Chits • Locker Facility 13. Pappinivattom Service Cooperative Bank • Solar Water Heater • Rain Water Harvesting • Medical Plantario • Bio Gas Plant • Bio Falc • Organic Farming • Plant health clinic , Bio lab, Njattuvelachantha, Organic vegetable • Market , PAPSCO Real milk supply • Manure Sales Depot • Neethi Medical Store • Neethi Clinical Lab • Palliative Home Care • Ambulance Service • Medical Camps 14 Marayoor Service Cooperative Bank • Neethi Medical Store • Neethi Supermarket • Farmers Service Centre • Jaggery Production Unit • Jaggery and Spices Sales Outlet • Rural Haat • Micro ATM Banking on Wheels • Ambulance and Mobile Mortuary service • Input Supply • Tourist Cottages 15 Pallippuram Service Cooperative Bank • Ambulance service
THE COOPERATOR | SEPTEMBER 2023 7 16 Chungathara Service Cooperative Bank • Neethi Medical Store • Library • Ambulance and Mobile Mortuary Service • Memorial hall • Public Distribution Centre 17 Kalady Farmers Service Cooperative Bank • Agro machinery • Pickles • Handicraft Items 18 Kodiyathoor Service Cooperative Bank • Natural Coconut Oil • Natural Bharath Gas • Happy Super Market • Karshaka SevanaKendram • Agro Centre • Petrol Pump • Unity Lab • Polyclinic • Neethi Medicals • Jan Dan Aushadi • Bakery • Jana Sevana Kendra • Fertilizer Depot • Library • Neethi Consumer Store • Steel and Cement depot 19 Kattappana Service Cooperative Bank • Poly House • Pesticides and Manure • Rain Shelter • Agro Equipment • Cement • ICU Ambulance • Western Union Money Transfer • Auditorium for Rent 20 Okkal Service Cooperative Bank • Neethi Medical Store • Okkal Fruits and Vegetables • Neethi Lab and Clinic • Jaivakalvara • Coopmart 21 Karalam Service Cooperative Bank • Kerala Feeds • Neethi Medical store • Ration Shop • MuttatheMulla • Ambulance and Freezer • Subhishka Keralam • Coconut Processing and Coconut Oil Unit • Fertilizers • Rubco Shop • Kerala Feeds • Neethi Store Consumer • Ration Shop 22 Kodur Service Cooperative Bank • Kodur Coconut Complex • Neethi Supermarket • Neethi Medical Laboratory • COOP MART 23 Mankulam Service Cooperative Bank • Neethi Store • Cooperative Market • Festival Markets • Black Pepper and Rubber Procurement • Fertilizer Depot • Lorry Service • Farmers Service Centre • Cooperative Library • Safe Deposit Lockers • Auditorium Facility 24 Kuttanellur Service Cooperative Bank • Neethi Medicals • Neethi Lab • Supermarket • NeethiPadakkam • Doctor Clinic 25 Kattoor Service Cooperative Bank • Vasthamithra Scheme • Neethi Readymade Shirt • Coconut Procuration • Copra Procuration • HarithaGramam Project
8 THE COOPERATOR | SEPTEMBER 2023 Banking and Insurance Non-Banking Miscellaneous Short-term and Medium-term credit for development of backward and forward activities To promote and develop backward linkages, forward linkages, processing and value chain To collaborate with any local bodies/Governments/ Departments/Universities/Societies/Companies for achieving its objectives for the benefit of Society and its members Loan for consumption or medical purpose To engage in service or business operations To collect socio-economic, financial and business-related information To provide long term loan after approval of the Financing Bank or Institutions To act as a Common Service Centre for facilitating on-line/digital services in the area of operation To demonstrate, promote and develop the latest technologies or extension activities related to agriculture and its allied activities To set up or arrange for Locker facilities with the permission of DCCB To undertake marketing and similar activities both inside and outside its area of operation for the benefit of the members of the Society To educate its members and their families To act as an agent or Bank Mitra/ Business Correspondent/Business Facilitator for the Financial/ Banking Institutions To own land, buildings, godowns, processing units and other such necessary assets To focus on and encourage the inclusion of youth and women in the cooperative based activities in the area of operation To act as an agency for implementation of social security scheme for its members and to provide micro insurance/ insurance To provide community-based services in the fields of education, health, tourism and environmental and sustainable development activities To participate in Government Schemes for providing services through Direct Benefit Transfer (DBT) to beneficiaries in the area of operation To act as a source of information/data centre to be used by the Government for various purposes Uniqueness of PACS Model Byelaws
THE COOPERATOR | SEPTEMBER 2023 9 Implications of Model Byelaws of PACS
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THE COOPERATOR | SEPTEMBER 2023 17 NCUI Signs An MoU with Unnat Bharat Abhiyan Furthering its agenda of cross-sectoral collaboration for empowering the cooperatives and realising the vision of ‘Sahakar se Samriddhi’, NCUI signed an MoU with Unnat Bharat Abhiyan (UBA) in the presence of Dileep Sanghani, President, NCUI; Dr. Chandrapal Singh Yadav, President, ICA-AP; and Dr. Bijendra Singh, Chairman, NAFED and ViceChairman, NCUI. Through the collaboration, NCUI in association with UBA will conduct research and development work to identify the key challenges and corresponding solutions of farmers and cooperatives and utilize the power of technology and innovative processes for entrepreneurship development among the needy sections of society in general and the villages adopted under UBA in particular. Both organizations will devise strategies and processes for promoting natural farming, including millet production among the farmers and promote sustainable lifestyle and naturefriendly measures for conservation of ecology and identify, groom and promote suitable indigenous products, processes and traditional skills of artisans for income enhancement and potential replication. NCUI and UBA will also work together to form new cooperatives in emerging areas of economy by engaging youth and women in their network. UBA will promote cooperative identity among the students for the formation of campus and other types of cooperatives. NCUI will benefit from the technical resource of UBA to identify and promote low-cost and efficient production and processing technologies in the interest of the artisans and cooperatives. Efforts will be made to establish centres of excellence for research and demonstration of successful technological innovations in areas of rural development and organise national and regional-level workshops too. Post signing of MoU, Prof. VK Vijay, National Coordinator, UBA, explained the recent initiatives and achievements of UBA to NCUI President; and also discussed some of the key interventions being planned to be executed in collaboration with Centre for Entrepreneurship Development and Cooperation (CEDC), NCUI, in the near future. Unnat Bharat Abhiyan (UBA) is a flagship program launched by the Ministry of Education, Government of India, in 2014 with a mission to enable higher educational institutions to work with the people of rural India in identifying development challenges and evolving appropriate solutions for accelerating sustainable growth. It also aims to create a virtuous cycle between society and an inclusive academic system by providing knowledge and practices for emerging professions and to upgrade the capabilities of both public and private sectors in responding to the development needs of rural India. At present, UBA has a network of over 3,600 colleges and 18,000 villages across India.
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THE COOPERATOR | SEPTEMBER 2023 33 RBI Urges Urban Cooperative Banks to Strengthen Governance The Reserve Bank of India (RBI) has called on the directors of urban cooperative banks (UCBs) to enhance their governance practices, focusing on risk management, compliance and internal audit. The Apex Bank recently organized a directors’ conference for tier 3 and 4 urban cooperative banks of Mumbai zone. Governor Shaktikanta Das highlighted five important aspects that UCBs are required to focus on: (i) adequate expertise and skills for directors, (ii) forming professional management boards, (iii) board member diversity and tenure, (iv) transparent and participatory board discussions, and (v) effective functioning of board-level committees, RBI said. Das spoke about the importance of the involvement of bank boards in upholding rigorous credit risk management, including robust underwriting standards, effective post-sanction monitoring, timely recognition and mitigation of incipient stress, rigorous follow-up of large non-performing asset (NPA) borrowers for effective recovery, besides maintaining adequate provisioning. Source: Mint Cooperative Samvad: Now One-Stop Solution for Housing Society Complaints in Maharashtra Members of cooperative housing societies can now bid farewell to the hassle of lodging complaints at various locations to address a range of issues they encounter. The Maharashtra State Housing Federation and the Cooperative Commissionerate have unveiled a novel solution: the “Sahakar Samvad” portal. Through this platform, members can submit their household grievances, which will subsequently be resolved within specific timeframes. Furthermore, the Cooperative Commissionerate will diligently monitor the tally of received complaints across departments, as well as the corresponding resolution timelines. A key feature of the Sahakar Samvad portal is the provision of distinct logins for every registered member. Once registration is complete, a unique login is allocated, facilitating the seamless submission of complaints. The prescribed word limit for each grievance is 200 words. Upon entering their pin code and address, members’ complaints are routed to the relevant deputy registrar based on the provided pin code. Subsequently, the complaint progresses through the hierarchy, eventually reaching the pertinent department from the Deputy Registrar level. Source: PU News KAR
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36 THE COOPERATOR | SEPTEMBER 2023 SINCE 1918 1918 2022 THE WEST BENGAL STATE COOPERATIVE BANK LTD. Registered Office & Head Office : 24A Waterloo Street, Kolkata-700 069 Regd. No.83 Dated 19.02.1918, (033) 2248-8491 / 8492 / 8692 (033) 2248-8488 / 1728 / 0874 www.wbstcb.com BANK AT A GLANCE ● Completed glorious 104 years of serving people with special focus to farming community & Self Help Groups ● Strong presence all over the State along with 17 affiliated Central Cooperative Banks, 365 Branches altogether, working in the districts Nodal Bank of behalf of Government of West Bengal for implementation of Krishak Bandhu Scheme and various social sector schemes ● Total number of affiliated Primary Agriculture Cooperative Credit Societies working in the State : 4867 ● Number of Primary Agriculture Cooperative Credit Societies mobilising Deposit : 2822 ● Number of live Kishan Credit Card holders as on 31.03.2022 : 2207817 ● Number of Self Help Groups nurtured by The WBSCB Ltd & CCBs : 220540 ● Number of farmers availed crop loans (2021-2022) : 1544538 ● Crop loan availed during 2021-2022 : Rs. 4589.53 Crore ● Number of Self Help Group Credit linked (2021-2022) : 113296 ● Loan availed by Self Help Groups during 2021-2022 : Rs. 1656.53 Crore ● Providing facilities of NEFT & RTGS at PACS (Samabay Subidha) through all our CBS Branches ● Disbursement of crop loan at the doorstep of farmers through Rupay KCC - Micro ATM SERVICES AT A GLANCE Head Office, 3 Regional Offices & 43 Branches of WBSCB under CBS Anywhere Banking RTGS Facility available Flourish Business NEFT Facility available Send money to dear ones ATM Facility available Any Time Banking CTS Facility available Clearing Simplified NACH and Direct Benefit Transfer (DBT) Mandate abridged POS Facility available Easy purchase of commodities. Health Insurance for customers of the Bank and members of Self Help Groups 1. Normal and Flexi Savings Deposit with Personal Accident Insurance Scheme, 2. Current Deposit, 3. Recurring Deposit, 6. Fixed / Term Deposit, 7. Monthly Income Scheme, 8. Cash Certificates. 1. Crop Loan to Farmers & Joint Liability Groups, 2. Micro Credit to Self Help Groups, 3. Loan for Agri-mechanization, 4. Loan for Agri-irrigation, 5. Loan for Agril.-Allied activities e.g. Fishery, Dairy, Weaving etc., 6. House Building Loan with special provision for Government employees, 7. Personal Loan, 8. Consumer Durable Loan, 9. Car Loan, 10. Loan Against Deposit, 11. Loan against NSC/KVP/LIP, 12. OD Loan, 13. ECCS Loan, 14. Loan for Self Employment/Small Scale Industries, 15. Loan for Cold Storage, Rice Mills & Other MSME Units in the form of Cash Credit, Term of Composite form of Loans. ➤ ➤ ➤ ➤ ➤ ➤ ➤ Deposit Products : Loan Products : Managing Director