With the establishment of Grameen Bank in which of the following countries in 1983 is micro credit considered to have been originated? ?->(Show Answer!)

1. With the establishment of Grameen Bank in which of the following countries in 1983 is micro credit considered to have been originated?

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MCQ-> Read the following passage carefully and answer the questions given at the end.Passage 4Public sector banks (PSBs) are pulling back on credit disbursement to lower rated companies, as they keep a closer watch on using their own scarce capital and the banking regulator heightens its scrutiny on loans being sanctioned. Bankers say the Reserve Bank of India has started strictly monitoring how banks are utilizing their capital. Any big-ticket loan to lower rated companies is being questioned. Almost all large public sector banks that reported their first quarter results so far have showed a contraction in credit disbursal on a year-to-date basis, as most banks have shifted to a strategy of lending largely to government-owned "Navratna" companies and highly rated private sector companies. On a sequential basis too, banks have grown their loan book at an anaemic rate.To be sure, in the first quarter, loan demand is not quite robust. However, in the first quarter last year, banks had healthier loan growth on a sequential basis than this year. The country's largest lender State Bank of India grew its loan book at only 1.21% quarter-on-quarter. Meanwhile, Bank of Baroda and Punjab National Bank shrank their loan book by 1.97% and 0.66% respectively in the first quarter on a sequential basis.Last year, State Bank of India had seen sequential loan growth of 3.37%, while Bank of Baroda had seen a smaller contraction of 0.22%. Punjab National Bank had seen a growth of 0.46% in loan book between the January-March and April-June quarters last year. On a year-to-date basis, SBI's credit growth fell more than 2%, Bank of Baroda's credit growth contracted 4.71% and Bank of India's credit growth shrank about 3%. SBI chief Arundhati Bhattacharya said the bank's year-to-date credit growth fell as the bank focused on ‘A’ rated customers. About 90% of the loans in the quarter were given to high-rated companies. "Part of this was a conscious decision and part of it is because we actually did not get good fresh proposals in the quarter," Bhattacharya said.According to bankers, while part of the credit contraction is due to the economic slowdown, capital constraints and reluctance to take on excessive risk has also played a role. "Most of the PSU banks are facing pressure on capital adequacy. It is challenging to maintain 9% core capital adequacy. The pressure on monitoring capital adequacy and maintaining capital buffer is so strict that you cannot grow aggressively," said Rupa Rege Nitsure, chief economist at Bank of Baroda.Nitsure said capital conservation pressures will substantially cut down "irrational expansion of loans" in some smaller banks, which used to grow at a rate much higher than the industry average. The companies coming to banks, in turn, will have to make themselves more creditworthy for banks to lend. "The conservation of capital is going to inculcate a lot of discipline in both banks and borrowers," she said.For every loan that a bank disburses, some amount of money is required to be set aside as provision. Lower the credit rating of the company, riskier the loan is perceived to be. Thus, the bank is required to set aside more capital for a lower rated company than what it otherwise would do for a higher rated client. New international accounting norms, known as Basel III norms, require banks to maintain higher capital and higher liquidity. They also require a bank to set aside "buffer" capital to meet contingencies. As per the norms, a bank's total capital adequacy ratio should be 12% at any time, in which tier-I, or the core capital, should be at 9%. Capital adequacy is calculated by dividing total capital by risk-weighted assets. If the loans have been given to lower rated companies, risk weight goes up and capital adequacy falls.According to bankers, all loan decisions are now being assessed on the basis of the capital that needs to be set aside as provision against the loan and as a result, loans to lower rated companies are being avoided. According to a senior banker with a public sector bank, the capital adequacy situation is so precarious in some banks that if the risk weight increases a few basis points, the proposal gets cancelled. The banker did not wish to be named. One basis point is one hundredth of a percentage point. Bankers add that the Reserve Bank of India has also started strictly monitoring how banks are utilising their capital. Any big-ticket loan to lower rated companies is being questioned.In this scenario, banks are looking for safe bets, even if it means that profitability is being compromised. "About 25% of our loans this quarter was given to Navratna companies, who pay at base rate. This resulted in contraction of our net interest margin (NIM)," said Bank of India chairperson V.R. Iyer, while discussing the bank's first quarter results with the media. Bank of India's NIM, or the difference between yields on advances and cost of deposits, a key gauge of profitability, fell in the first quarter to 2.45% from 3.07% a year ago, as the bank focused on lending to highly rated customers.Analysts, however, say the strategy being followed by banks is short-sighted. "A high rated client will take loans at base rate and will not give any fee income to a bank. A bank will never be profitable that way. Besides, there are only so many PSU companies to chase. All banks cannot be chasing them all at a time. Fact is, the banks are badly hit by NPA and are afraid to lend now to big projects. They need capital, true, but they have become risk-averse," said a senior analyst with a local brokerage who did not wish to be named.Various estimates suggest that Indian banks would require more than Rs. 2 trillion of additional capital to have this kind of capital adequacy ratio by 2019. The central government, which owns the majority share of these banks, has been cutting down on its commitment to recapitalize the banks. In 2013-14, the government infused Rs. 14,000 crore in its banks. However, in 2014-15, the government will infuse just Rs. 11,200 crore.Which of the following statements is correct according to the passage?
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MCQ->With the establishment of Grameen Bank in which of the following countries in 1983 is micro credit considered to have been originated?....

MCQ-> Directions : Study the following information carefully to answer these questions: Eight persons from different banks viz. UCO Bank, Syndicate Bank, Canara Bank, PNB, Dena Bank, Oriental Bank of Commerce, Indian Bank and Bank of Maharashtra are sitting in two parallel rows containing four people each, in such a way that there is an equal distance between adjacent persons. In row-1 A, B, C and D are seated and all of them are facing South. In row-2 P, Q, R and S are seated and all of them are facing North. Therefore in the given seating arrangement each member seated in a row faces another member of the other row. (All the information given above does not necessarily represent the order of seating as in the final arrangement.) ★ C sits second to right of the person from bank of Maharashtra. R is an immediate neighbour of the person who faces the person from bank of Maharashtra. ★ Only one person sits between R and the person for PNB. Immediate neighbour of the person from PNB faces the person from Canara Bank. ★ The person from UCO Bank faces the person from Oriental Bank of Commerce. R is not from Oriental Bank of Commerce. P is not from PNB. P does not face the person from Bank of Maharashtra. ★ Q faces the person from Dena Bank. The one who faces S sits to the immediate left of A. ★ B does not sit at any of the extreme ends of the line. The person from Bank of Maharashtra does not face the person from Syndicate Bank.Which of the following is true regarding A?
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MCQ-> Read the following passage carefully and answer the questions. Certain words/phrases are given in bold to help you locate them while answering some of the questions. Most of the declarations of the Fourth World Conference on Women in Beijing in 1995 have faded from memory. But the linkage made there between women’s rights and poverty and the assumption that discrimination actually impedes progress-has survived. Since then the promotion of equal rights has become a central economic priority for international aid aeencies. The World Bank has declared the enfranchisement of women. the single most important issue for effective development. A sweeping statement, perhaps, but since 1805 the bank has lent billions of dollars on programmes that encourage, girls’ education, better maternal health and on micro-credit initiatives that funnel money directly into the hands of women. This is a substantial sum dedicated to women. If not, most developing countries, women produce more food than men and bear primary responsibility for feeding, sheltering and educating the young. But lack of education coupled with social customs which treat women as secondclass citizens restrict their participation in the economy. The figures are starting. Globally those women who do work are concentrated at the bottom end of the labour market and receive far less pay. A significant proportion of the world’s illiterate are women and women account for half of all refugees. Anything that helps women catch up with men should be welcomed on grounds of equity alone. But fairer treatment of women is also one of the most effective ways to improve an economy’s efficiency as well. It is widely recognised educating more women in developing countries and specifically making education available to men and women equally is likely to raise the productive potential of an economy significantly. As education levels rise, so do household incomes. In Sub-Saharan Africa, for instance, 70% of young children whose mothers have secondary information receive their vaccinations, as opposed to just 30% of those whose mothers have no formal schooling at all. A cross-country analysis concluded that gains in women’s education made the single largest contribution to declines in malnutrition in 13 countries between 1970 and 1995. Some researchers reckon that, if female farmers in places like Cameron or Kenya were afforded the same schooling and other opportunities as male farmers, crop yields would rise quite hefty. One economic analysis estimates that, if countries in South Asia, Africa and the Middle East had closed the gender gap in schooling at the same rate as East Asia after 1960. Income per head could have grown substantially over the actual growth rates achieved. But one country’s gender bias is another’s ancient tradition, entrenched in laws and institutions. Some South American Countries, like Bolivia and Guatemala restrict wives employment outside the home in South African nations like Botswana, women have no independent right to manage of own land but now girls are offered stipends for secondary education- a long standing programme now holstered by multilateral aid. Elsewhere in Africa in Ghana, peripatetic bankers act as lenders and financial advisors, often helping women as particular to set up small businesses. Part of the rationale for micro-finance (small icons) that caters to women is that some studies have shown women tend to spend money more prudently on vital goods and services that benefit families, men often squander it. This finding may seem implausible to many men. Not many women would be surprised.Which of the following is an appropriate title for the passage ?
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