For boosting the micro farm loans SBP has taken some important measures like given bellow:
Ø SBP will issue forcefully regulatory guidelines to MFBs for up-scaling of loans, and development and SBP should measure on quarterly bases, though they have a relatively small portion of the overall portfolio.
Ø The SBP should review various easy credit schemes, support price mechanism and subsidy regimes in the past were designed for small and medium scale farmers.
Ø The SBP try to overcome on one of the main reasons of small farmers' financial exclusion is their inability to be bankable so they able to be able to provide collateral to banks as most of them are tenants, who do not have any property registered in their names or own land below the required level.
Ø SBP insure to as per the prudential regulations for agriculture financing, banks are required to ensure disbursement of working capital/short term loans within seven days but it is usually delayed. The entire formalities for any agriculture loan require lengthy documentation and procedure and take around two to four months to get the loan, SBP should try to remove delivery of loan delivery.
Ø SBP must insure to a small farmers should be given loans on personal guarantee. Group-based credit schemes are being followed by small banks but needs to be taken up by the main private banks as well to improve credit disbursement ratio in the country. Although Crop and life insurance is the best way to decrease the risk of farming community against losses and of banks against non-repayment
Ø Although SBP have taken good steps under the face of new package no changes have been made in the old package under which, the rate of domestic sales tax on goods manufactured and supplies made in the most affected and moderately affected districts may be reduced by 50% of rate.
Ø Under the new package the Prime Minister has also approved Additional incentives by Federal Board of Revenue. SBP should allow to recovery of the outstanding arrears of income tax, sales tax and excise duty etc, and may be allowed through easy installments over a period of 3 years on case to case basis and on the agreeable terms and conditions and these concessions will must be applicable to the manufacturers and suppliers of cement, sugar, beverages and cigarettes.
any one student who have saved the GDB question so plz share, now i having face some problem to opening of LMS :(
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Regards:Muhammad RizwanMBA
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MUHAMMAD SHABBIR
BANKING SPECIALIZATION
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