The credit authorization scheme: some problem areas in Its implementation
Abstract
This paper seeks to define and discuss same of the problem areas in the effective implementation
of the Credit Authorisation Scheme operated by the Reserve Bank of India. These are :
(a) effective communication of the objectives of the scheme to the borrower groups;
(b) delays in decision-making on loan proposals submitted under the scheme;
(c) development of an acceptable standard or basis for determining genuine working capital requirements
of the borrowers; and
(d) evolving a follow-up system that will effectively accomplish the objectives of the scheme.
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