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Krishna Bhima Samruddhi Local Area Bank (KBSLAB): Decade Review Case Solution & Answer

Microcredit has made a dramatic entry into the lexicon of the shore when the Nobel Prize Muhammad Yunus inaugurated a new era of social bench with his Grameen Bank. BASIX, Indian Nobel Prize replicator ideology (but with a different methodology for promoting livelihoods), was established as an effective institution (MFI) in India. He had managed to convince the government of the need for and feasibility of the creation of financial institutions as “local banks” in rural areas to mobilize rural savings and provide a livelihood for important poor, especially women. KBSLAB a local bank established by BASIX had done very well at first, but had reached a critical point in its journey in 2011. The Reserve Bank guidelines (RBI) for India were similar to commercial banks and regional banks, in many aspects, such as regulatory requirements regarding liquidity and reserve requirements. But geographical restrictions on banks in the region were making it difficult to expand and meet the compliance and monitoring mechanisms. The case is similar to the route of the only microfinance bank in a decade of its existence and its future plans. It raises questions about what pests due to local banks in general and in particular, KBS, justifying the RBI guidelines and sustainability of microfinance banks in the future.
by
Puran Singh,
Nupur Pavan Bang
Kaushik Bhattacharjee,
Rajesh Chakrabarti
Source: Indian School of Business
24 pages.
Release Date: June 30, 2013. Prod #: ISB018-PDF-ENG
Krishna Bhima Samruddhi Local Bank (KBSLAB): A review of solution cases Decade

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