Operational and managerial effectiveness of primary cooperative agricultural and rural development banks in Palakkad district
Primary Cooperative Agricultural and Rural Development Banks were the pioneers in providing investment credit for agriculture and rural development. The basic task of these banks are to develop agriculture sector, which is the main occupation of majority of people and one of the major contributors to national income. However, at present due to various reasons these banks are confronted with problems, the operational and managerial problems faced by these banks had considerably affected the profitability too. Hence the study aims at studying the operational and managerial effectiveness in Palakkad district of Kerala with special reference to Alathur PCARDB. The study was conducted from the perspective of board of directors and the employees of the bank. It was found that from the point of view of the Board of Directors the only major obstacle for the banks was increasing overdue over the years whereas, from the employees opined that the bank faced certain administrative, functional, structural and human resource related issues.