Presentation On

Farmers club Programme

Presented by:
1. 2. 3. 4. 5. 6. Pravin Borse Preet Singh Priyanka Sinde Rahul Jaiswal Rahul Bhosle Rahul Surwase

Outlines
FCs.overview What is FCs.Programme Mission Role of FCs. NABARDs support to FCs. NABARBs to farmers training & development centres. Financial support by NABARD. Sustainability of farmers clubs Status of Farmer clubs

Farmers club overview

Agriculture is the backbone of our India Economy. For sustained 4% grouth in agriculture need to improve productivity. For transmitting latest agriculture technique to the Farmers field Farmers club programme initiated by NABARD in 1982.

Mission
Development in rural areas through credit, technology transfer, awareness and capacity building

What is Farmers club Programme

NABARD encourages banks to promote Farmers club in rural areas under the farmer club programme ,earlier known as vikas volunteer vahini (vvv) programme The Programme was launched by NABARD in November 1982 to propagate the five principles of Development through Credit.

Five principles of Farmers club

The terms and conditions of credit must be fully respected Loan installments must be repaid in time and regularly so as to recycle credit. A part of the additional income created by credit must be saved Work must be done with skill so as to increase production and productivity

Continued..
Credit must be used in accordance with the most suitable methods of science and technology

What are Farmersclub

Farmers Clubs are grassroot level informal forums of farmers. Such Clubs are organised by rural branches of banks with the support and financial assistance of NABARD for the mutual benefit of the banks concerned and the village farming community/rural people. other agencies like NGO, VAs, KVKs etc. are also now included as agencies included in the formation and promotions of FCs

Role of Farmers' clubs

The broad objective of setting up Farmers Clubs would be to achieve prosperity for the farmers with overall agricultural development vision of Farmers Clubs has undergone a change and the role expected to be played by Farmers Club.

Undertake collective purchase and distribution of inputs, production and marketing.

NABARDs support to Farmer Clubs

NABARDs policy support for Farmers Club Programme lays stress on linking technologies with farmers club members and also facilitating market access through the following mechanism: Capacity building of members of Farmers Clubs including leadership training. Linkage with technology/markets Self Help Groups (SHGs)/Joint Liability Groups (JLGs) formation Forming Federations of Farmers Clubs/Producers Groups/Companies

Benefits of Farmers' Club to Bank Branch

The formation of Farmers Club lead to better Banker-Borrower relationship in the area. An Evaluation study of Farmers Club Programme (FCP) carried out by IIM, Lucknow has brought out the following advantages of FCs to bank branches: Increase in deposits. Increase in the credit flow and diversification of lending. Generation of new business avenues. Increase in the recoveries and decline in the nonperforming assets. Reduction in the transaction costs of financial institutions/ Banks.

Other Benefits
Socio economic development of the village A win-win situation both for the banker and borrower Besides benefit to banks, the Farmers Club has also been instrumental in certain social welfare measures like free eye check-up camp, Animal Health Care Camp, Mass vaccination camp, community works like road, checkdams, afforestation, etc. Enhancement in bargaining power for bulk purchase of inputs and marketing of their produce

Who can form Farmers' Clubs

All Institutional Agencies (Commercial Banks, Cooperative Banks and Regional Rural Banks) All grass root level organizations (NGOs, PRIs,

State Agricultural Universities, KVKs, Post

Offices etc.) are eligible to form Farmers Clubs

Membership
All villagers except willful defaulters can become members of the club. The club must make endeavour to raise their own resources by way of contribution from members. Undertaking certain business services such as bulk procurement of inputs and collective marketing of agricultural produce. Agents for insurance and other services etc.

Farmers' Clubs (Cumulative No.)

60000 50000
38215 54805

40000 30000 20000 10000 0 2005-06 2006-07

17976 22949

28226

2007-08

2008-09

2009-10

Financial Support from NABARD.

S.No. Particulars 1. 2. 3. Formation & Maintenance Expenses Base Level Orientation Training Programme Meet with Experts (2 programme in a year ) Total Amount(Rs.) 2,000.00 5,000.00 3,000.00 10,000.00

Sustainability of Farmers clubs

Regular source of income and consistency in their activities is the key to sustainability of FCs. creation of a corpus at the club level through measures such as 1) Service charge for SHG/JLG loans recommended to banks @0.5% and 1%. 2) Monthly savings (to be decided by the Club members. 3) Token membership fees (to be decided by members)

Status of Farmer' clubs

During 2009-10, 16,590 Farmers Clubs have been formed taking the cumulative number of farmers Clubs to 54,805 as on 31st March 2010.

Conclusion
1) The farmers Club is the initiative of NABARD for transfer of technology amongst the farmers. 2) The Farmers Clubs can act as the catalytic agents for increasing production of the farmers. 3) The bankers should form maximum Farmers clubs .

Continued
4) The NABARD gives financial support to farmers clubs. 5) The farmers clubs can undertake various activities for development of villages.