Class XII Economic Rural Development Test Paper Part I - ARQ, CASE STUDY, MCQ
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CASE STUDY-1 In agriculture, due to long time gap between crop sowing and realisation of income, farmers are in strong need for credit. Farmers need money to meet initial investment on seeds. fertilisers, implements and other family expenses of marriage, death, religious ceremonies, etc. So, credit is one of the important factors, which contribute to agricultural production. An efficient and effective rural credit delivery system is crucial for raising agricultural productivity and incomes. 1. Which one of the following is not a non-institutional source of credit? *
1 point
2. _________________ is the Apex Bank which coordinates the functioning of different financial institutions, working for expansion of rural credit. *
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3. Regulated markets were organised to protect the farmers from the malpractices of consumers. *
1 point
CASE STUDY-2: Prior to independence, farmers, while selling their produce to traders, suffered from faulty weighing and manipulation of accounts. Farmers who did not have the required information on prices prevailing in markets were often forced to sell at low prices. They also did not have proper storage facilities to keep back their produce for selling later at a better price. Measures that were initiated to improve the marketing aspect. 1.Government improve agriculture marketing system through *
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2. Agricultural marketing is a process that involves the *
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3. The first step was regulation of markets to create orderly and transparent marketing conditions *
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CASE STUDY-3: At the time of independence, money lenders and traders exploited small and marginal farmers and landless labourers by lending to them on high interest rates and by manipulating the accounts to keep them in a debt-trap. A major change occurred after 1969 when India adopted social banking and multi agency approach to adequately meet the needs of rural credit. The institutional structure of moral banking today consists of a set of multi-agency institutions,namely, commercial banks. regional rural banks. cooperatives and land development banks. They are expected to dispense adequate credit at cheaper rates. Recently, self-help groups have emerged to fill the gap in the formal credit system. The SHGs promoter shrift in small proportions by a minimum contribution from each member. From the pooled money, credit is given to the needy members to be repayable in small instalments at reasonable interest rates.By May 2019, nearly 6 crore women in India have become member in 54 lakh women SHGs. About Rs 10-15.000 per SHG as a community investment support fund are provided as part of renovating fund to take up self-employment for income generation. 1. was set up in 1982 as an apex body to coordinate the activities of all institutions involved in the rural financing system. *
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2. The was a harbinger of major changes in the credit system as it led to the diversification of the padfolio of rural credit towards production-oriented lending. *
1 point
3. Recently, Self Help Groups have emerged to fill the gap in the formal credit system. Such credit provisions are generally referred to as *
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4. Which of the following part is not a part of the institutional structure of rural banking today? *
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CASE STUDY-4: Rural Development is the key issue with the government. Without the development of rural areas India cannot increase its growth to desired level. Rural development does not mean only to develop its agriculture marketing and credit but also to develop education, training, and infrastructure in rural areas. The government has launched many programs especially of provision of credit and marketing facilities. The farmers often have shortage of funds. Farmers generally go to non-institutional sources for their short term and long-term loans. But farmers are generally exploited. To help them government started provided loan through commercial banks and an apex bank named NABARD was established in 1982. Government is also making efforts to improve agricultural marketing by removing the role of intermediaries where farmers can directly sell their produce to seller without involving any commission agent or middlemen. 1. Name the Non-institutional sources of credit *
1 point
2. NABARD is established in the year *
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3. Non-farm activities are promoted by government for: *
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ASSERTION AND REASON BASED QUESTION 1. ASSERTION (A): Rural development is an action plan for complete and comprehensive development of rural area. REASONING (R): In required to increase the standard of living of Indians as two third of the population of India lives in rural area. *
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2. ASSERTION (A): Rapid expansion of the banking system had a positive effect on rural farm and non-farm output, income and employment. REASONING (R): The institutional credit arrangement continues to be inadequate as they have failed to cover the entire rural farmers of the country. *
1 point
3. ASSERTION (A): National Bank for Agriculture and Rural Development (NABARD) was setup in 1980. REASONING (R): National Bank for Agriculture and Rural Development (NABARD) is an apex body to coordinate the activities of all institutions involved in the rural financing system. *
1 point
4. ASSERTION (A): Rural people not only face problems with regard to finance, but also encounter difficulties in marketing their goods. REASONING (R): Agriculture Marketing’ needs urgent attention in the scheme of securing rapid rural development. *
1 point
MULTIPLE CHOICE QUESTIONS 1. Rural development means:- *
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2. Rural people require long term loans…… *
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3. Rural people require short term loans…… *
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4. Rural marketing is related to………. *
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5. Organic farming is very useful due to …….. *
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6. Cow dung, urine, residuals of fruits, mobility of organic nutritious elements are trusted by farmer under…… *
1 point
7. Regional rural banks contribute in institution credit………. *
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8. Three tire system of rural co-operative credit societies is……… *
1 point
9. Multi-agency approach……….. *
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10. Different type of production included in Agriculture………….. *
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11. The main function of co-operative marketing societies is to improve…. *
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12. Institutional sources are…… *
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13.Agriculture marketing does not comprise of …………… *
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14. The farmers in rural area require credit for agricultural development. This credit is known as:-- *
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15. What type of loans are based on objectives? *
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16. What are the kinds of loan based on time period? *
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17. What are the non- institutional sources of credit? *
1 point
18. Organic farming is a………. *
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19.What type of revolution is called between 1991-2003? *
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20. In which form multi-agency system was adopted after Indian’s Independence? *
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21.How much the commercial banks contribute in institutional credit? *
1 point
22. Which banks come under multi- agency system? *
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23. What element is trusted by farmer under organic farming? *
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24. Which production does come under Agricultural diversification? *
1 point
25. Announcement of prices of agricultural goods every year is known as; *
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26.National Agricultural Federation (NAFED)was established in; *
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27. When a farmer sells agricultural surplus to Sahukars or Trade men at lower price, it is called as: -   *
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28. In which sectors rural cooperatives play important role? *
1 point
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