VOL 2 | ISSUE NO. 5 | SEPTEMBER 2012 | `50 | PAGES 52 Maharashtra ahead

Cooperation: Synergy & Harmony

Co-operative Milk Co-operative Sugar Factory Society Pvt. Ltd.

Co-operative Spinning Mill Cooperatives In Maharashtra At a Glance • Cooperative Societies- 2.24 lakh • Turnover above Rs. 3,000 crore • Membership- 5.50 crore • 50% of the State population is member of cooperative societies • Direct and indirect employment generation- 20 lakh • District Central Cooperative Banks- 31 • Urban Cooperative Banks- 526 • Multipurpose Cooperative Societies- 21,402 • Cooperative Credit Societies- 15,575 • Cooperative Housing Societies- 85,335 • Cooperative Sugar Factories- 202 • Cooperative Marketing Societies – 1,227 • Ginning and Pressing Cooperative Societies -256 Milk Societies • Consumer Cooperative Societies- 3,111 • Total Societies- 11,962 • Cooperative Processing Socities – 657 • Total Membership- about 40 lakh • Other cooperative Societies- 86,067 • Per day Milk Procurement above 40 lakh liters • Under loan waiver/ loan repayment subsidy scheme -2009 a total of 34.03 lakh farmers are benefited of Rs 4008.48 crore Sugarcane Processing Plants with Power Cogeneration • Total Power generation Capacity- 1126.9 MW • Cooperative Sugar Factories Involved- 60 • Rs. 4,400 crore approved for 60 factories with 1126.9 MW projects • Rs.108.83 crore Government share capital for 35 sugar factories • 611.4 MW power generation from 37 factories

2 september 2012 Contents Maharashtra ahead 5 Cooperative Movement: VOL.2 ISSUE NO.5 september 2012 `50 Backbone of Rural Economy - The Chief Minister 6 Strength of Cooperative Movement Editor-in-Chief - The Deputy Chief Minister Pramod T. Nalawade 8 Energizing the Cooperative Managing Editor Movement Pralhad Jadhav - Harshwardhan Patil, Minister for Cooperation Team Maharashtra Ahead 6 Remodelling Cooperation Suresh Wandile 11  in a Corporate Way Kirti Pande - Prakash Solanke, Minister of State for Kriti Lalla Cooperation Sales and Circulation 13 The Sweet Story! Digamber Palve - Vijay Singhal, Commissioner of Sugar Vilas Bodke 16 District Central Cooperative Banks: Biggest Credit Produced by Facilitators Navbharat Press Ltd. - Rajgopal Deora, Secretary, Cooperation Director Operations: D.B. Sharma 18 97th Amendment : A Boost for Project Management Team Cooperative Movement G.M. Operations: A. Shrinivas - B.N. Mahajan A.G.M.: Dalvinder Singh Cooperation in Economy 16 Manager: Ashok Shirke 20 - Prof. J.F. Patil Editorial Coordinator: Subhash Shirke 22 Strengthening Cooperative Prepress Sector A.G.M. Prepress: Sachin Phulpagar 25 Cooperative Enterprises Art Build a Better World Art Director: Mahesh Jadhav - Chandragupta Amritkar Photos Correction:Siddhesh Sawant 29 Deemed Conveyance: An Opportunity for True Maharashtra Ahead is printed on behalf of the Ownership Directorate General of Information and Public - Vilas Gawde Relations, Government of Maharashtra, at Navbharat Press Ltd 31 Initiatives Towards 25 Tribal Development Navbharat Bhavan, - Vilas Thakur Plot no. 13, Sector 8, Sanpada (East), 33 Capitalizing the Development Navi Mumbai 400 706. 36 Milking the Prosperity Published by Pramod T. Nalawade at Mantralaya, - Arun Narke Mumbai-400032 38 Warna: Epitome of Letters should be addressed to Cooperative Movement Directorate General of Information and Public - Jeevankumar Shinde Relations, New Administrative Building, 17th Floor, 40 Master Key to Cooperation Opposite Mantralaya, Mumbai-400032. - Pradeep Dikshit Email: [email protected] Banking with Social Please visit the website 41  Responsibility 29 http://dgipr.maharashtra.gov.in - Ankushrao Nalawade 43 Vasantdada Sugar Institute: Setting the High Standards - Shivajirao Deshmukh 44 Co-operators’ Academia - Dr. M. R. Joshi 45 CVKSSS Joining Hand for Prosperity Directorate General of Information - Kiran Wagh and Public Relations 47 Vilasrao Deshmukh: A Man A Government of Maharashtra Production With Panache - Abhay Mokashi 41 49 Pioneer of Cooperative Dairy Movement - Chandragupta Amritkar Pls note: The views expressed by the writers are their own Towards
  
     
  Cooperative Movement: aNew The Dawn Way Ahead

TheItWhileCome gives weather presenting Septemberme great in the thispleasure andmonth issue we ofto rememberof ‘Maharashtraplace July theis always ‘Teacher’sJune Ahead’ 2012 fascinating Day’I Specialam whichfilled Issue&cheerful. with reminds ofmixed Maharashtra The us emotions. valuable magic ofAheadIncontribution monsoon,the milieuon Agriculture of theof teachers the drizzling Maharashtra before in our has life.the itsDay, It readers. has magic 52 been years seen our flashback great all over tradition showcases and to engulfs revere the teachersvoyage all. Farmers of along five weregloriouswithAs returning motherthe decades month and to on offather their oneJune fieldshand,as begins most whilewith venerable attention fullon the of hopedeity.other focuses and handDr. Sarvapallionenergy the the severe monsoonsafter Radhakrishnan scarcity completing andsituation schools. who wari thatwas & known as an ideal teacher rose to highest post of the land ‘President of India’. We celebrate darshanAllhas thosegripped of who theirsome bear belovedparts the of bruntthe deity State ofLord hasthe Vitthalofgrieved relentless the Pandharpur. mind.heat and humidity The chirping be it animals,sound of younghisThe birthday ones issue has on details 5th been September information returned as to aboutour schools. tribute efforts toAdmission ofthe the ‘Guru State Shishya’ process Government tradition. in colleges to mitigate has been the birds‘Ganesh and vegetation Festival’, started anxiously by Lokmanya wait for Tilak the 120monsoons years ago to is arrive. very popular The first in the showers country morescarcity or less situation. over. ThesePeople measures are beaming should with make respite people and from joy. the Guru scarcity Pournima hit areas comes feel livenalso fallsup the in September.atmosphere The and Festival the whole is a symbol of nature of rich is overjoyed. social tradition The ofrainfall the State. in June With insecured. this month. We take In this view opportunity of this we to have present dedicated before youthis the issue praiseworthy for education experiments and tried of givesthe arrival a new of energy ‘Lord Ganesh’, of rejuvenation enthusiastic to atmospherethe farmers. is Betweenspread throughout June to Septemberthe State. The a tosome spell people all aspects in the fieldin this of water field. conservation. These success stories are the testimonies of farmermonsoon is completelyshowers are alsoengrossed graciously in agriculturepresent all over related the State work. bringing joy. Maharashtra’s Maharashtra strength has athat very has richmade tradition it the guiding of Guruspirit for Shishya(Teacher- others. Disciple) fromHeThe ancient then United begins times. Nations to The dream General European of Assemblythe bountiful style has of education declaredharvest of 2012 which food as grains, theintroduced International vegetables by British Year and of Cooperatives,Immediate highlighting necessary measures the contribution taken byof cooperatives the Government to socio-economic has provided development. relief to the inflowers India thathas hewitnessed hopes to many find inchanges his field over in the comingtime. Education winter season. which Laterwas once the peopleIn this issue,facing we the have ordeal tried of tothe spell scarcity. many The aspects Employment of the Cooperative Guarantee movement Scheme has in theprovided State. fiefdomapproaching of elite summer class has months now accessiblecomplete the to all.natures The literacycycle. Our rate Indian which agriculture was just 5 %livelihoodIndia in 1901 has atohas long lakhs now history of reachedpeople. of Cooperative More up to works 75 Movement. %. are The on the credit The shelves. first goes ActThe toabout Government two Cooperativevisionary has leaders,ensuredSocieties is dependent on this nature’s weather cycle. The farmers also have to face the Panditthatcame there Jawaharlalinto will existence be no Nehru, paucity in 1904 our of and funds first the Primeto ambit tackle Ministerof the the situation. Act and was our extended first Education in 1912. In Minister 1925 the MaulanaconsequencesthenH.E. Bombay Governor Abul Provinces Kalam of K.any SankaranarayananAzad. calamities passed its own that Cooperative arise, Hon. out Chief oflaw Ministerthe on the reverses lines Prithviraj of in the this 1912 Chavan weather Act. andThe cycle.Hon.Maharashtra The Deputy With social the Chief Cooperativereformers help Minister from of Societies theAjitMaharashtra State Pawar Act Government are 1960 personallyworked is the foundation hardand giving theto spreadattention never-say-die of cooperative reach to situation. of attitude institutionseducation Every of in the State. atthemember the farmers doorstep in the such ministryof calamities the poor. and theareThe wholesurmounted. effort Government of Mahatma machinery Jotiba Phule is dedicatedly and Savitribai putting Cooperative Movement, based on democratic values has played a pivotal role in the Phule’sefforts to remarkable combat situation. influence It is time was for apparent citizens to inbe theunited field and ofsupport education. the Government It is the developmentThe practice of ofrural agriculture areas of the has State. been The the network focal point of 2,24,000 of the human Cooperative socialization Societies visionaryto overcome approach the situation. of Savitribai I am sure, Phule in the which time inspiredof crisis the and people empowered of Maharashtra the women will andspread culturalism. across State Man is an found important his pathmilestone in establishing in the development his credentials, of the State. progress, Various inshow Maharashtra. extra courage and become the role model for the country. prosperitycooperative and societies, well-being sugar throughfactories andagriculture. cotton mills He were first set did up agriculture in the rural andand laterurban TheThe abilityState of of Maharashtra changing with came time into and existence visionary on 1st approach May, 1960. in setting A special standards article ‘Raj in onareas side-by-side through Cooperative made several Movement inventions have and given gave solace a definite to the common shape and man direction and gave everyBhavan field File are Unreveals the forte the of Eventsleadership of the in Historic Maharashtra Day’, will which make transformed you relive those education golden field.toimpetus the That’shuman to the why life economy theon earth.State of thehas State.always The given total priority deposits to and incorporate loans in the modern Cooperative and momentsSocieties takingare more you than down Rs. the1 lakh memory crore and lane. created This enlightening 20 lakh jobs. article is taken from the latestTalking courses in terms along ofwith Maharashtra traditional in subjects. the stone The ages National before 4000Education BC, archeological policy which archivesDistrict of the Central Raj Bhavan, Cooperative where Banks all historic and documents Cooperative are Sugar preserved. Factories It is arethe invaluable landmarks isevidences modern as point well toas cultivationinclusive is ofimplemented food grains by in Maharashtra the Tapi river zealously. belt. Remnants Late Shri Madukarraoheritageof the Cooperativeof the Chaudhary State. movement declared of Maharashtra.a white paper Since on implementation last 50 years, District of education Central of ancient civilization were found in 1500 BC at Jovre. The economy there was policyCooperativeThe in1966-67. issue Banks also carries Thisare working white article as paper a by rightful Dr. paved Madhavraoand sustainable way for Chitale, universalization credit an system authority for andfarmers. on quality Water The improvementprimarilyManagement,Sugar factories dependent Directorof played education. GSDA ona major agriculture K.M.Sainik role Nagargoje in school nurturing and differentinand Satara Cooperative senior crops wasGeologist founded Movementwere Shashank sown. at in the Maharashtra. TheDeshpande, behest grains of LatewerePrakashThe Shri movementstored Bal Yashvantrao Joshi, in granariesteaches Abhay farmers Chavan.Mokashi, and silos. to It Diliplive was with Chaware a prestigemilestone and and others eventself-confidence showing for Maharashtra the waysmaking and them meanswhich the actual contributors of development and progress. With economic prosperity, changing hasto Becauseaugment a long tradition the of thewater factof resources valour. that the Theto fight seeds school scarcity. of had practicing Takingopened on up agriculture all opportunity odds and were emerging for sownbrilliant with in lifestyle, employment and self-employment opportunities, advanced educational skills, the youthstriumph of isthe the State true spiritto join of the Maharashtra. Indian Armed The symbolicForces as Peepal officers. leaf To on impart the cover quality gives Maharashtrarural Maharashtra since is witnessingso ancient change times inthat every agriculture sphere of life. spread rapidly in the river educationthe message to ofthe peace rural and children enlightment Government to overcome Public any Schools adverse situation.were started. I am Shaskiyasure, our basinsSugar and industry valleys has of paved Tapi, the Godavari way for ancillary and Vainganga. units which use Through remnant his material edicts of one the Vidyareaders Niketan will welcome was the this extended issue like form the past of the ones. Public school which was started earlier. TwocomesSugar generations factoriesto know asthat of raw the even material. State Chhatrapati get The benefitted Sugar Shivaji Factories, because Maharaj Cotton of these Millspaid Vidyaare close currently Niketan.attention in transition .On to the the lineswelfarephase of due Shaskiyaof theto competitive farmers. Vidya Niketan environment , Schools and changing named globalModern economy. Schools They were can started survive inby theadoptingDuring State forprofessionalism. the students British from The rule, economically new Mahatma Cooperation weaker Phule, policy sections comprises the then .This of increase government quality in education Crop andLoan and Kisan Credit Card, change in Cooperative laws, strengthening of efficient rural and urban modeladministrative of Maharashtra officers was had later laid implementeddown certain inorders the form for theof ‘Navodaya farmers which Vidyalaya’ even Cooperative banks and Credit Societies. The Government has set target of disbursement of alltoday over are the still country. useful. Rajashri Shahu Maharaj the decisions he took in the interest Crop In universalization Loan upto Rs. 20,000 of education crore till the Maharashtra’s year 2015 which efforts will certainly were Pramod received help T. Agro Nalawade accolades. and Agro of the farmers in his princely state bare testimony to his foresight. Fortune bearer Whenbased Late industry. Shri Ramakrishna More was E Minister d i t o r - i n - C for h i e fEducation, , ‘ M a h a r a s h the r a Ainitiated h e a d ’ , D Gcom I P R- pulsoryof Maharashtra,I strongly English feel fromthe late success firstYashwantrao standard stories spelled whichChavan in started this too issue advocated a new will inspireera inagro themany. based education We areindustries indebted sector ofandto the Rajgopalgave State. it the Deora, The support Secretary Programme of cooperation and ‘SMARTPT’ Dinesh movement. Oulkar, (Statewide Additional Commissioner, Massive And Cooperation Rigorous Department for their valuable support for this issue. Hope that readers will welcome this TrainingAlthough Programme the roots for of Primaryagriculture Teachers) have struck has deepnot only roots boosted yet the togeographical schools but issue ever enthusiastically. alsosituation improve of the teaching state, indifferent skills of the rainfall teachers. and In natural the effort blockages of universalisation for water of education, private educational institute contributed greatly with Government conservation which have forced limitations on agricultural production. However educational institutes which gave support to bright students of all sections of the society.the lion hearted farmers here have in the last 20 to 25 years have turned towards non-traditional Education makes forms humanof agriculture being like wise Horticulture and mature. and Mature Floriculture. society In can regions build strongwhere nation.there is Today’s less rainfall generation the farmers of students tend toare turn cool, to smart temperaturePramod and have T. Nalawadecontrolled ability to takePoly anyHouses challenges and Green and Houses.ability to conquerEditor-in-Chief, the world. ‘Maharashtra We want to Ahead’, put forth DGIPR this

May 2012 SEPTEMBER 2012 3 3 2 JULY 2012 Maharashtra Ahead Cooperative Movement: Backbone of Rural Economy Common man and democracy are main factors of the Cooperative Movement The changing global scenario has thrown many challenges before the Cooperative Movement, which is backbone of the rural economy. The Chief Minister Prithviraj Chavan, stressed that the Cooperative Movement have to face global challenges and Cooperative Societies have to find own way to empower themselves .

aharashtra has always There are 5.5 crore people in the State led the industrial growth associated with the Cooperatives Mscenario in the country,still which means half of the population rural Maharashtra is agro based. of the State is associated with the Cooperatives are backbone of the Cooperatives. rural economy and it has major share After 1991, the impact of in the development of the State. globalization, Economic Liberal- The architect of modern ization and privatization brought the Maharashtra Late Yashwantrao different picture in the co-operative Chavan, had accorded top priority sector, bringing new challenges. to the Cooperative Movement while This year we are celebrating The building the newly constituted State International Year of Cooperatives because he knew that if the rural and it is the responsibility of all Maharashtra had to lead in political concerned to see that the movement and social sectors; this movement should be made more powerful, would inculcate, nurture and groom healthy and comprehensive. leadership among them. A new era Movement. Yashwantrao Chavan The 97th Constitutional Amendment in the Cooperative Movement was explored how sugar industry can will have revamping effect on Co- started in his tenure. The foundation be run successfully in a cooperative operative Movement. The amendment of the political leadership that led the manner and he created conducive has codified Cooperative Societies State during that time was Cooperative environment for development of which was not incorporated in the State Movement. Co-operative Sugar industries in the Act. The Cooperative Societies have to Common man was the focal point of State. find own way to empower themselves Yashwantrao Chavan’s views, policies Yashwantrao Chavan also witnessed and remove the bad elements which and efforts and democracy was the the revolution through Maharashtra are ruining the movement. core value of his life. Both are main State Cooperative Bank that helped to I am of the opinion that the factors of the Cooperative Movement save farmers from the vicious circle of autonomy of the Cooperative where common man is the prime money lenders. He also encouraged Movement should be restricted and focus of development and democratic Cooperative Credit Societies in urban the State should have power to check values are the base so the movement and rural sphere. Today the industry and curb the malpractices in this field. was very dear to him. which was raised by the Cooperative the State Government is committed Yashwantrao Chavan gave impetus Movement in various regions of the to help the movement in case of crisis to the Cooperative Movement which State has played a pivotal role in and it had risen on the occasion was expanded by Padmashri Vikhe- development of the region. previously. It is our duty to Patil and Late Vasantdada Patil. The Cooperative Movement in the preserve this 100 year old tradition With their efforts, today 70% of State has shown the path of economic of Maharashtra which is a hope the Cooperatives in the country are progress to the common people, for millions of farmers, youth, based in the State and Maharashtra farmers, Small Scale industrialists, industrialists and common people. ■ has become synonym for Cooperative women working in cottage Industry.  - As told to Mr. Satish Lalit

SEPTEMBER 2012 5 Maharashtra Ahead Strength of Cooperative Movement The Cooperative Movement has become an integral part of the socio-political fabric of the country The Cooperative Movement in this country is one of the biggest in the world and Maharashtra is leading in this movement. The movement has reached to every village, says the Deputy Chief Minister Ajit Pawar.

nternatinal Year of Cooperatives the society. is being celebrated in different Cooperative Banks and Cooperative Iparts of the world, it is moment Credit Societies which are backbone of pride for our country that the 97th of the Cooperative Movement are amendment of the Constitution has providing low interest crop loan to recently been approved, now making the farmers, financing sugar factories, cooperative a fundamental right of cotton mills and industries. These every Indian. The amendment was institutes are playing a major role in possible because of the consistent the upliftment of farmers, labourers efforts of the Union Minister for and people in general. There are 2 to Agriculture Sharad Pawar. I am sure 2.5 lakh cooperative societies the amendment will definitely boost right from the State Cooperative the Cooperative movement in the Bank working in the State and the country. Department of Cooperation has We are told that the origin of the started collecting information about Cooperative Movement began in them and the updated information foreign countries and the British were will be made available by the end of instrumental in bringing the concept The movement has reached to every this year at the click of the mouse. to India. Even if it is true, the seeds village. Agricultural credit co-operative of the co-operative movement were The first act about Cooperative societies are envisaged as a mechanism sown in country and Maharashtra Societies which came into existence for farmers to provide them access from ancient times. It won’t be in 1904 paved the way for a to credit services to enable them to wrong to say that the India’s co- systematic growth of the Cooperative carry out their agriculture and allied operative movement is not only 100 Movement in the country and the activities by disbursing crores of years old but has proud thousands movement has become an integral rupees every year. The Agricultural year old legacy. We have long part of the socio-political fabric of Co-operative structure in the State history of Cooperative farming, the the country. Maharashtra was also is three-tier with the Maharashtra barter system, ‘Balutedari’ tradition in the forefront of the movement and State Co-operative Bank as the which had elements of Cooperative created a network of sugar factories, apex body at the State level, District Movement and success of the cotton mills, credit societies, banks, Central Co-operative Banks at district movement in the country has roots marketing societies, lift irrigation, level and the Primary Credit Societies penetrated into it. water supply, transport, and housing at village level. The Cooperative Movement in this societies across the State connecting When the Nationalized and country is one of the biggest in the crores of people to the movement. Commercial banks are somewhat world and Maharashtra is leading The movement transformed the social reluctant in extending credit, farmers in this movement in the country. and political lives of all the sections of have only source of Cooperative

6 september 2012 credit is the market. The stability credit and farmers are also banking in India. Due to genuine, dedicated of the Cooperative credit system on them which are examples of success and transparent efforts of many rests on two factors – whims of the Cooperative Movement. Cooperative Societies; specifically of the Nature and market price The recession which hit the world from Agro and Agro based societies, of the agricultural produce; 4-5 years ago had major impact on marketing, Agricultural processing which often go against it many sectors sanning Cooperative societies are doing consistently well. and the banks, credit societies plunge sector. The growth in this sector in Cooperative Movement is the source into losses. But still these institutions USA and in the Europe was 50% during of integrated growth of all the sections are helping farmers by extending the recession. The same happened of the society and their lies its formula of success. Previously few bad elements entered in this sector for ulterior motive resulting closure of few Cooperative Societies. It was an abrasion. I strongly feel that due to some bad people and corruption cases in couple of Cooperative Societies we should not put blame on the entire sector. If there are bad elements they should be weeded out but we should not discard the entire Cooperative Movement. The only system that has ability to support farmers, labourers, and have-nots of the society is the Co-operative Movement hence it should be continued. ■ - As told to Sanjay Deshmukh

september 2012 7 Maharashtra Ahead Energizing the Cooperative Movement The registration of Cooperative Society is now treated as a fundamental right The committee made certain recommendations for financial assistance for accumulated losses of Primary Agricultural Cooperative Credit Societies (PACS) and strengthening them, which was adopted by the State Government Central Government had appointed Vaidyanathan Committee for revival of Short Term Rural Cooperative Credit Structure; explains Minister for Cooperation Harshwardhan Patil.

How the State Government is Rs. 11, 184 crore i.e. 45.41 % crop loan is Rs. 18,864 crore out of which extending help to the farmers loan will be disbursed through the Rs. 15,593 crore have been disbursed from drought hit areas of the District Central Cooperative Bank, to the farmers and the process will State to get crop loan from Rs. 12,027 crore i.e. 48.43 % will be continue till the end of September banks? disbursed by Nationalized Banks. The 2012. We have given target of Rs. 24,629 share of Regional Rural Cooperative In a bid to ease hardships of crore to all the banks to disburse Banks in the crop loan distribution is farmers from drought hit areas short term loan for Kharif and Rabi Rs. 1418 crore which means target we have converted their last year’s season for year 2012-13 of which is 5.76%. The target for Kharif crop unpaid short term loan into mid

8 SEPTEMBER 2012 term loan due to which they will be able to qualify to get new crop loan. The farmers need to pay only interest amount to the banks on their unpaid loan and the short term loan will be converted into mid term one. The loan will get divided in the three equal yearly installments. To assist the concerned banks in this process, liabilities will be shared by NABARD to the tune of 60%, State Cooperative Bank will share 15% and the concerned Districts banks will bear 10% and the remaining 15% will be shared by the State Government in the form of loan. The State Government has declared 7000 villages as scarcity hit villages for Kharif and Rabi season of 2011-12. The directives have been the meeting should be called. Vaidyanathan Committee for revival issued to the banks to convert short The members will have right of Short Term Rural Cooperative term loans in midterm loans in these to information about their societies. Credit Structure. The committee villages. It has provisions about which made certain recommendations for information should be provided to financial assistance for accumulated Do you foresee a revolutionary the Registrar, the penalties. The losses of Primary Agricultural change in the cooperative sector State Governments have to ratify Cooperative Credit Societies (PACS) after the certain new amend- this Central Act before 15th February and strengthening them, which was ments by the Government? 2013. Accordingly, we have to adopted by the State Government. Certainly. The 97th Constitution make amendments in Maharashtra 15,053 PACS out of 20,791 were Amendment is about encouragement State Cooperatives Act 1960 and for chosen for financial assistance and of economic activities of Cooperative this a committee of experts under 5738 PACS were rejected which were Societies. The registration of chairmanship of Commissioner either to be amalgamated or wound Cooperative Society is now treated as for Cooperation and Registrar up as recommended by the a fundamental right. The act aims to for Cooperative Societies have Vaidyanathan Committee. We have ensure autonomous and democratic been appointed vide Government segregated these PACS - one, viable functioning of cooperatives. Resolution on 5th June 2012 to for revival and another, unviable According to the provision, it has been study the act and suggest necessary for revival and the process were decided that the maximum number amendments and the work is in started accordingly. Those unviable of directors on the management progress. PACS who were from Buldhana, committee of Cooperatives should Amravati, Akola, Wardha, be 21 and they should have fix Please tell us about ‘Sahakar Yavatmal, Washim districts which tenure of 5 years. There is also Sanjeevani Yojana’… are largely farmer suicide proned a provision in this Act to create Central Government had appointed and not recommended for package an independent machinery for according to the recommendations conducting elections of management of the committee were given committee and tenure of manage- Vision 2015 special revival package called ‘Sahakar Sanjeevani Yojana’ under ment committee is also mentioned • Reforms in Cooperative Laws in the Act for which management National Agriculture Development • Distribution of Kisan Credit Card committee could be kept under programme on pilot basis on 20th • Encouragement to the efficient supersession or suspension. There September 2011. Urban Cooperative Banks is a provision in this act to create an According to this scheme those • Encouragement to the efficient independent body for yearly audit PACS who will disburse more loan and Credit Societies of the societies, which subjects to make more loan recovery, compare to • Crop loan disbursement to be be included in the Annual General last year’s account will get incentive raised up to Rs. 20,000 crore Meeting and the period in which of 2% of the disbursement of the

SEPTEMBER 2012 9 Maharashtra Ahead

by the State Government. It will be implemented from the financial year of 2012-13.

How much employment will get generated in the new Textile Policy? In the month of April the new Textile Policy of the State was declared. The sector has a great potential to generate employment after agriculture. The policy aims to attract investment of Rs. 40,000 crore for cotton proc- essing and textile based industries for processing of 45 lakh bales of cotton which presently remains unprocessed. It will generate 11 lakhs jobs in this sector. Under this policy,textile projects from Vidarbha, Marathwada and Northern Maharashtra will be loan and loan recovery or Rs.50,000 memento and citation. There will given 10 % incentive of their capital whichever is less from the State be 10 awards under the name investment. Government. If the Block Secretary of ‘SahakarBhushan’ which will of the PACS has contributed for be given to selected organizations Please tell us about policy for increase in loan disbursement and from each region and State level cogeneration of power through increase in loan recovery then he will societies and will consists of bagasse? be eligible to get incentive of 10% of Rs. 51,000 in cheque, momento The Government is encouraging the total incentive received by the and citation. There will be 20 Sugar Factories for cogeneration of PACS or Rs. 10,000 whichever is less. ‘Sahakar Nishth’ awards which power and for this Government will The scheme is being implemented will be given to two organizations give 5% of the capital cost which from year 2011-12. from each region and two from will be generated through green cess; State level societies; it will consist the factories will raise 10% of the The State Government is going of Rs.25,000 in cheque, memento capital and 60% will be contributed to felicitate societies who have and citation. A committee under by the financial institutions in the done exemplary work in the the chairmanship of Minister for form of loan. field of cooperation as the Cooperation has been constituted year 2012 is being celebrated for selection of the awardees. All How many sugar factories as ‘International Year of the societies registered under received pre-season loan in Cooperatives’. Please tell us Maharashtra Cooperative Societies the year 2011-12 by the State about that.. Act will be able to participate for Government? It was decided on 2oth April 2012 this award. Agriculture Produce As there is record break production of that 31 awards will be presented to Marketing Committees also can sugarcane in the year 2011-12, it has the societies and the personalities recommend societies for this award. been decided to give pre season loans who have a great contribution to 18 cooperative sugar factories to in the field of Cooperation. The What are the salient features consider the additional crushing awards will be ‘Sahakar Maharshi’, of the Revival, Reform and requirement. Sahakar Bhushan’ and ‘Sahakar Reconstruction package for The Government has disbursed Nishth’ and we strongly feel that handloom industries? Rs.146.83 crore to the 18 the felicitation will help these Central Government has declared sugar factories as pre-season loan organizations to work more Revival, Reform and Reconstruction who has no unpaid loan and had zealously and will create a benchmark package of Rs.3000 crores with 50% more crushing requirement for others. the active participation of the State than the previous year. This step ‘Sahakar Maharshi’award will be Government for the handloom was taken in the view of more given to only one and will consists industries. NABARD will bear 80% record sugarcane production. ■ of Rs. 1,00,000 in cheque, memento, of the cost and rest will be borne - As told to Subodhini Gharat

10 SEPTEMBER 2012 Remodelling Cooperation in a Corporate Way Cooperative sector should adopt best management practices The State Government is endeavouring to create a healthy environment for the seamless growth of the Cooperative Movement by various means. New initiatives should be taken with professional approach and proper planning to attract investors and consumers which will eventually strengthen the movement, explains Minister of State for Cooperation Prakash Solanke.

What steps you think Credit Societies are working at Cooperative Movement should village level which disburses 60% take to compete with the agriculture credit. Rs. 9,385 crores private sector? were distribursed by this Cooperative The birth of Cooperative Movement credit network in 2011-12. We have was necessitated to set free farmers to achieve target of disbursement of from the clutches of moneylenders. loan upto Rs. 20,000 crore by 2015. The need base movement had turned The State Government is aiming into a revolution and have spread to provide crop loan at the rate of across every field of life. The State 6% to the farmers and for that it is Government is endeavouring to giving 1% amount of the sanctioned create a healthy environment for the loan to the banks as reimbursement. seamless growth of the Cooperative Those farmers who are repaying their Movement by various means. The loans within the stipulated term are planned and disciplined financial getting incentives up to Rs. 3 lakh. system, quick delivery of the services 3% concession is given on repayment to the consumers is the strength of of loan upto Rs. 1,00,000 and 2% the private sector. If the Cooperative concession is being given on the sector is to compete with private repayment of subsequent loan up to sector it needs to adopt best Rs. 3,00,000. management practices, the workforce In the case of drought,the State should have knowledge of latest Government converts short term loan technology; new initiatives should of the farmers in to the mid-term loan be taken with professional approach to be followed by the Cooperatives. and the liabilities will be distributed and proper planning to attract among NABARD (60%), State investors and consumers which will What are the schemes which Cooperative Bank (15%), District eventually strengthen the movement. can help farmers to get easy, Cooperative Bank (10%), and State The members should take active part in speedy and low interest loans? Government (15%). the affairs of the Cooperative Societies. We have to create web of Cooperation within the Cooperatives, institutionalized credit system to Are you going to introduce the democratic management, limited check moneylenders. Accordingly, new act to curb the problem of profit, committed approach, social three tier cooperative credit societies moneylenders? responsibility, minimum dividend are functioning in the State. At district To curb the illegal activities of are the basic principles of the level 31 district co-operative banks moneylenders in the rural areas a Cooperative Movement which needs and about 22,000 Primary Agriculture bill called The Maharashtra Money-

SEPTEMBER 2012 11 Maharashtra Ahead

Lending (Regulation) Act, 2010 has been passed in the Legislature and 7 Cooperative Principles it will shortly be approved by the Cooperatives around the world generally operate according to the same core Central Government. It has stringent principles and values, adopted by the International Co-operative Alliance in 1995. regulations compared with the Act Cooperatives trace the roots of these principles to the first modern cooperative of 1946. founded in Rochdale, England in 1844. Voluntary and Open Membership How the reservation for women 1 Cooperatives are voluntary organizations, open to all people able to use its is helping the Cooperative services and willing to accept the responsibilities of membership, without gender, Movement? social, racial, political or religious discrimination. The present State Act has a provision Democratic Member Control for reservation for women and now 2 Cooperatives are democratic organizations controlled by their members— the 97th Constitutional amendment those who buy the goods or use the services of the cooperative—who actively have also provided 2 seats as members participate in setting policies and making decisions. of each society as reserved seats for the women. It will increase women’s Members’ Economic Participation 3 Members contribute equally to, and democratically control, the capital of the participation and also increase the cooperative. This benefits members in proportion to the business they conduct with number of independent women the cooperative rather than on the capital invested. societies which will strengthen the movement. Autonomy and Independence 4 Cooperatives are autonomous, self-help organizations controlled by their members. If the co-op enters into agreements with other organizations or raises How will you meet the capital from external sources, it is done so based on terms that ensure democratic challenges faced by the control by the members and maintains the cooperative’s autonomy. Cooperative Sector? The credibility is paramount and the 5 Education, Training and Information Cooperative sector should work hard Cooperatives provide education and training for members, elected representatives, managers and employees so they can contribute effectively to the to protect it. The whole movement development of their cooperative. Members also inform the general public about is based on certain principles which the nature and benefits of cooperatives. should get adhered by management, members, and workers. Transparency, Cooperation among Cooperatives commitment and highly trained staff, 6 Cooperatives serve their members most effectively and strengthen the cooperative movement by working together through local, national, regional and regulatory apparatus to check any international structures. illegal activity should be in place and needs to be imbibed by the Concern for Community movement. 7 While focusing on member needs, cooperatives work for the sustainable development of communities through policies and programmes accepted by the members. What is your planning to strengthen the movement in the International Year of with lower Human Development elections of Cooperative Cooperatives? Index; under Special Component Societies? Changes in Cooperative laws, Scheme and Tribal Development There are three separate institutions increased disbursement of crop Sub Plan, giving financial assistance who are conducting elections loan, increase in the numbers of to the powerlooms owned by for Cooperative Societies - the Kisan Credit Cards, strengthening Scheduled Castes, Scheduled Tribes District Collector, the Cooperation the efficient urban and rural banks and Minorities. With the help of Department and the Societies. whereas liquidation of sick credit the concerned department we are Now the 97th amendment made a societies etc. are the few targets we planning to launch new schemes provision for an independent election have already set and working to meet to give 10% incentive on capital machinery for election. Also there these targets. investment of the machinery of the is a provision for reservation of We are planning to give incentives project which is sanctioned by the SC, ST and women and limit the to the textile parks situated in banks for upgradation. number of managing members. Vidarbha, Marathwada and North We have started a process to Maharashtra region, extending Have the process started to incorporate these provisions in the financial assistance to setting up set up independent election State laws. ■ new textile parks for the districts machinery for conducting - As told to Mukta Pawar

12 SEPTEMBER 2012 The Sweet Story! Maharashtra is ahead of Uttar Pradesh in case of per hectare yield of sugar production The Cooperative Sugar industry has been playing significant role in overall socio-economic development of the State for the past six decades, explains Vijay Singhal, Commissioner of Sugar, Maharashtra State, Pune.

he Co-operative sugar industry their production soon. Apart from development schemes including in Maharashtra constitute these sugar factories 51 private sugar roads in the rural areas. Tthe important medium of factories are also in operation in the • The sugar industry has started comprehensive and integrated State. educational institutes creating good rural development and the State The Cooperative Sugar industry educational infrastructure in the Government had accorded the has been playing significant role in rural areas. highest priority to the industry in the overall socio-economic development • Medical facilities are also being policy making because of its role. The of the State for the past six decades. provided on the large scale in the Government is helping the industry Following are the salient features of rural region. by way of share capital, loans and the growth: • The industry is producing sugar, subsidies, counter guarantees. Due to • There is an assurance to the farmers khandsari, jaggery, power, ethanol, Government help the network of sugar that their sugarcane will get good alcohol and paper which are useful factories had come up in the State and price. for the common people. is proving as the only stable source of • The sugar industry and its ancillary • The cogeneration from the industry employment in the rural area. units had created 1.5 lakh direct is contributing to the power sector The business of Cooperative Sugar employment and 7 lakh indirect to minimize effect of load shedding Industry was started in 1951 and today employment in the rural areas of in the State. there are 202 registered Cooperative the State. Sugar Factories in the State out of • The Central and State Government Initial Setback which 168 factories have completed is getting direct and indirect taxes The sugar industry received setback their constructions; 9 factories are from the industry making possible in initial phase due to following being constructed and will start for Government to initiate various reasons:

SEPTEMBER 2012 13 Maharashtra Ahead

• No proper use of latest technology, 2011-12, the State and Central advanced training skills and Government collected revenue of machinery. Rs. 1603.51crore from the sugar • Lack of research of high yield factory in the form of various sugar seeds and its actual taxes. implementation. • Lack of chalking effective long term Challenges measures and its implementation. • Good quality high yielding, high • No targeted efforts in byproduct sugar content variety seeds based industry. • Use of organic manures, plot • Lack of effective programme system, testing of soil and water, management in sugarcane sugarcane cultivation through cultivation, cutting and transport. single bud mechanism, proper • Excessive staff and lack of selection of intercropping and professional management. management of ratoons crop. • No proper efforts for acquiring • Initiative by the management to high skills, professionalism in the implement effective Sugarcane management, capacity building and Development Programme by use of use of latest technology. drip irrigation • Formation of independent Suga- • No suitable efforts from the sugar • Lean and effective workforce and rcane Development Department factories to improve production of professional management. for effective implementation of sugarcane in their area of operation • Implementation of Sugar sugarcane development programme. by implementation of Sugarcane Development Programme to make Development Programme. available enough sugarcane in the Facilities to the Industry area for crushing. About 170 cooperative and private Present Scenario in State • Propagation and use of latest sugar industries directly took up the Uttar Pradesh is number one State in technology and machinery. crushing in 2011-12. With the help terms of sugarcane production in the • Regular audit of expenditure, energy of sugar industry, cogeneration of country but in case of per hectare yield and pollution. power, alcohol, ethanol, country/ and sugar production, Maharashtra is • E-tendering and e-auction for all foreign liquor production, paper/ ahead of Uttar Pradesh. In the year purchases. particle board, bio fertilizers, bio gas production is also done. Maharashtra Government is always helping the sugar industry by various ways. • 5% share capital contribution for sugar factories to set up cogeneration plants. • In the time of crisis sugarcane purchase tax gets converted into interest free loan. • Rebate in sugarcane purchase tax for the sugar factories for setting up cogeneration plant. • Counter guarantee to sugar factories in financial crisis, to avail short term, pre-season loan from financial institutions. • Grant in aid to the sugar factories for the construction and maintenance of internal roads within the area of operation for transportation of sugarcane. • Yearly financial assistance for research and training to Vasantdada

14 SEPTEMBER 2012 Sugar Institute, Pune. • Special efforts to ensure total crushing of the sugarcane in case of high production in the crushing season and subsidy for uncrushed sugarcane. • Grant for loss of sugar recovery. • Keeping in mind the availability of less workforce in the sector, use of machinery for sugarcane cutting. • Subsidy for the purchase of Harvester Machines upto Rs. 25 lakh for individual or organization. • Financial grant for export of sugar. • Workshops and training camps to impart advanced technical knowledge in the sector. • Aerial distance has been increased from 15 KM to 25 KM for new sugar factories so as to increase the area of operation and availability of more sugarcane to the sugar factory. It is expected that by 2020 about 150 Cooperative Sugar Factories will products produced by the factories. • Automation of sugar factories on the be able to operate effectively and E-tendering and E-trading system is model of Brazil, demand production, taking into account the growth in the also being developed. making of ethanol, petrol mixed private sugar factories it is predicted • A separate web portal for timely with ethanol to be used in vehicles, that 100 to 110 private sugar factories payment of sugarcane farmers and bio-gas and composite technology is will be in operation. workers of the sugar factories is also to be used in waste management. The State Government is being developed. • Construction of Sugar Complex by implementing following schemes to providing necessary services under make the cooperative sugar industry one roof. more productive and commercially • Use of drip irrigation, organic viable: farming, use of micro nutrients • To identify commercially non- and good quality of sugarcane to viable and sick sugar factories and achieve target for raising yield up to amalgam them in sugar factories 100 tonnes per hectare and 12.50 % that are working efficiently. sugar recovery by 2020. • Comprehensive scheme of one time • Use of various methods to reduce settlement of the loan to reduce the production cost of sugarcane to burden of loans on the financial give encouragement to the research institutions and burden of the institute to find out a system where counter guarantees of the State individual sugarcane payment can be Government, by the sugar industry. made based on its sugar recovery. • The State Government will • A separate system for registration of encourage 5% of the existing For dissemination of all the information supervisors who undertake work of sugar factories to start alcohol regarding sugar industry for the com- sugarcane cutting and transport. and cogeneration plant and 50% mon people a website • To initiate pilot project for Government share capital for such www.mahasugarcom.gov.in is devel- sugarcane development in the area of oped by the office of the Commissioner plants. of Sugar. Maharashtra Sugar Informa- operation in the sugar factories with • Management Information System tion System is being developed to the help of network of Agricultural for sugar factories is being developed give support to the sugar industry Department. A memorandum of to gather all the information about for its day to day activities. A special understanding will be inked with them and a web portal is being software is being developed for online the Agricultural Universities for this sale of sugar. developed for marketing of the project. ■

SEPTEMBER 2012 15 Maharashtra Ahead District Central Cooperative Banks: Biggest Credit Facilitators More than 55 lakh farmers in State have been distributed Kisan Credit Cards The Chief Minister have instructed all the commercial banks to increase flow of credit to agriculture sector. Accordingly changes are also made in Dr. Panjabrao Deshmukh Interest Rebate Scheme, says Rajgopal Deora, Secretary, Cooperation

nstitutionalized credit is a major The 11th Five Year plan of the Banks and Commercial Banks was factor in the development of the Central Government envisaged 4% Rs. 8460 crore in 2007-08 which rose Iagricultural sector of the State. growth in the Agriculture sector by to Rs. 19,788 crore in 2011-12. The targets set from 2003-04 had extending more credit to the sector. been achieved. 30 District Cooperative The Department of Cooperation has Targets for Extending Banks along with State Cooperative set a target to disburse Rs. 20,000 Credit Facilities Bank, 21,313 Primary Multipurpose crore credit facility earmarked in The Chief Minister instructed all Central Cooperative Societies, 30 the ‘Vision 2015’ through DCC Banks the commercial banks to increase Land Development Bank including and due to the continuous efforts flow of credit to agriculture in a the Apex Bank, 28 Nationalized, 8 of the department the credit for special statewide meeting of bankers private commercial banks, 3 regional crop loan had been increased convened on 14th June 2012. rural banks are extending credit from Rs. 4989 crore in 2007-08 to Accordingly the district level sub- facilities to the agro and allied sector Rs. 10,761 crore in 2011-12. The total committees on crop loan have in the State. loan disbursement through DCC completed their planning and the

16 SEPTEMBER 2012 Maharashtra Ahead MaharashtraMaharashtra Ahead Ahead

6% on their loan will get State Government also Details of crop loan disbursement by the banks in 11th Five Year Plan (numbers in crore) 6%made6%waived on on their theirchanges off for loan loan which will in will get Dr. theget DetailsYear Details of of crop cropTarget loan loan for disbursement disbursementTarget by by the the for banks Cropbanks Loan in in 11th 11th Five FiveLoan Year Year Disbursement Plan Plan (numbers (numbers by in in crore) crore) waivedCentral off Government for which theand Panjabraowaived off for Deshmukh which the Agricultural Loan Disbursement District Cooperative Banks YearYear TargetTarget for for TargetTarget for for Crop Crop Loan Loan LoanLoan Disbursement Disbursement by by CentralInterestCentralthe State GovernmentGovernment RebateGovernment Scheme. and andwill Disbursement AgriculturalAgricultural Loan Loan DisbursementDisbursement DistrictDistrict Cooperative Cooperative Banks Banks theIfequally State farmers bearGovernment repay the burden theirwill the State Government will 2007-08 DisbursementDisbursement12,113 8460 4989 equallyloanequallyof interest up bear bear to Rs. waiver. the the 1,00,000 burden burden The 2007-08 12,113 8460 4989 ofwithinoffarmers interest interest stipulated who waiver. waiver. repay period their The The 2007-082008-09 12,1138685 64468460 36834989 farmersthenfarmersloan the of whointerest who Rs. repay repay of 1,00,000 6% their their on 2008-092009-102008-09 868520,243868520,043 6446109306446 368379813683 to 3,00,000 within loantheirloan loan of of willRs. Rs. get 1,00,000 1,00,000 waived 2009-102010-112009-10 20,24318,01820,243 109301075610930 798198057981 toofftostipulated for 3,00,000 3,00,000 which period the Central willwithin within be 2010-112010-112011-12 18,01818,01835,667 107561075621,606 980510,7619805 stipulatedGovernmentstipulated period period and the will will State be be The District Central Cooperative Banks are the biggest contributor in institutionalize credit facility TheYearThe District District2012-13 Central CentralDetails Cooperative Cooperative Banks BanksDCC Banksare are the the biggestCommercial biggest contributor contributor Banks in in Institutionalizedinstitutionalize institutionalizeRural Banks Total credit credit facility facility YearYear 2012-13 2012-13 DetailsDetailsTarget DCCDCC11184 Banks Banks CommercialCommercial12027 Banks Banks RuralRural1418 Banks Banks Total24629Total TargetAchievementTarget 11184962511184 12027472712027 14188691418 246291522124629 AchievementKharifAchievement Target 96251109625 4727534727 86975869 152218115221 KharifKharif Target Target% 110110 5353 7575 8181 eligible for 3% interest waiver scheme Loan Disbursement But the rebate money is reaching eligibleGovernmenteligibleof Central for for 3% 3% Government willinterest interest equally waiver waiver bear and scheme scheme the 2% theLoanLoanEven priority Disbursement Disbursement though sector the and disbursement a plan outlay of of ButbeingButto the the implemented rebate Multipurposerebate money money by isthe Cooperativeis reaching reaching Central ofburdenofinterest Central Central of reliefinterest Government Government scheme waiver. fromThe and and farmers 2% 2% Rs.EvenEven 27186 though though crore the the has disbursement disbursement been prepared of of toandto the the State Multipurpose MultipurposeSocieties Government very late Cooperative Cooperative in and unison. they interestwhointerestthe Staterepay relief relief Government.their scheme schemeloan of fromRs. from That 1,00,000 for disbursement of short term crop But the Societies rebateSocietiesare facing money very very losses late late is and reachingand at they theirthey thetothemeans 3,00,000 State State they Government. Government. within will have stipulated to That That pay period loan. to the are Multipurposeareend. facing facing The expenditure losses losses Cooperative at at their their for meanswillmeansonly be 1% theyeligible they interest will will for on have have 3% their interest to to loan pay pay waiver Societies veryend.end.mobilization late The The and expenditure expenditure they of funds are facing to forthe for onlyschemeonlyfor timely 1% 1% interest ofinterest repayment. Central on on their Governmenttheir loan loan and losses at mobilization theirmobilizationDistrict end. Cooperative The of of funds expenditurefunds to Banksto the the for2%for Thetimely timely interest committee repayment. repayment. relief schemeappointed from the for mobilizationDistrictDistrict(DCC Banks) Cooperative Cooperative of funds is 10% tobut Banks Banks thethe StatebyThe The the Government. committee committee State Government appointed appointed That means they District Central(DCC(DCCinterest Banks) Banks) Co-operativesubvention is is 10% 10% but schemebut Bank the the bywillbyunder the have the the State toState chairmanship pay Government Governmentonly 1% interest of on (DCC Banks)interestinterestwas isprepared 10% subvention subvention but expecting the scheme interestscheme this undertheirunderCommissioner loan the the for chairmanship chairmanship timely of Cooperatives repayment. of of and Lcropoan loan Disbursemen money is increased,t there subventioncost of expenditurewaswas scheme prepared prepared is at was expecting expecting 9% preparedresulting this this CommissionerCommissionerRegistrar,The committee Cooperative of of Cooperatives Cooperatives appointedSocieties, Pune and and by cropEvencropis no loancomparative loan though money money the is increase is disbursement increased, increased, in number there there of costexpectingcostlosses of of expenditure toexpenditure the this DCC cost Banks.isis at ofat 9% 9% expenditure The resulting resulting banks Registrar,theRegistrar,IRU¿[LQJFUHGLWIDFLOLWLHVRQSHUFURS State Cooperative Cooperative Government Societies, Societies, under Pune Pune the iscropisRI no no EHQH¿FLDULHV comparative loancomparative money 2XWincrease isincrease increased, RI  in in number number there lossesislossesare at demanding 9% to to theresulting the DCC DCC that Banks. losses Banks. advance to The The the money banks banks DCC IRU¿[LQJFUHGLWIDFLOLWLHVRQSHUFURSchairmanshipIRU¿[LQJFUHGLWIDFLOLWLHVRQSHUFURSper hectare basis of has Commissioner recommended RIisRIfarmers no EHQH¿FLDULHV EHQH¿FLDULHV comparative 65 to 70 2XW 2XWincrease lakh RI RI  farmers in number are areBanks.areshould demanding demanding Thebe given banks thatto that are them advancedemanding advance in lieu money money of that the perofperin increase hectare hectare Cooperatives basis of basis the has has credit and recommended recommended upto Registrar, 20 to farmersoffarmersEHQH¿WLQJ beneficiaries. 65 65 to IURP to 70 70 lakh WKHlakhOut farmersof LQVWLWXWLRQDOfarmers 1,31,00,000 are are shouldadvanceshouldinterest be be money subventiongiven given to to should them them scheme in in be lieu lieu given of whichof the the to inCooperativein22% increase increase increase of ofSocieties, the in the crop credit credit Pune loan upto upto for for 20fixing 20 year to to EHQH¿WLQJfarmersEHQH¿WLQJcredit . 45 65 lakhIURP toIURP 70 farmers WKH lakh WKH LQVWLWXWLRQDO farmers LQVWLWXWLRQDO are availing are interesttheminterestneeds in to lieu subvention subvention look of the into. interest The scheme scheme cutsubvention of which which date 22%credit22%2012-13. increase increasefacilities The credit inon in cropper crop rate crop loan loan of per crop for forhectare yearloan year creditbenefitingcredit .facilities . 45 45 fromlakh lakh from thefarmers farmers institutional Cooperatives are are availing availing credit and needsschemeneedsto avail to to which interest look look needs into. into. subvention Theto The look cut cut into. of schemeof date date 2012-13.basis2012-13.recommended has TherecommendedThe creditcredit by raterate the in ofof Committeeincrease cropcrop loanloan of credit45credit20 lakhto facilities facilities 25 farmers lakh from from are are takingCooperatives Cooperatives availing loans credit fromand and totoare The avail avail different cut interest interest of for date subvention subvention Central to avail and schemeinterest scheme State recommendedtherecommendedand credit the upto credit 20 by by to ratethe the22% decided Committeeincrease Committee byin 20facilities20private to to 25 25 commercialfrom lakh lakh Cooperatives are are taking taking banks. loans loans and There from20 from to is aresubventionareschemes different different which scheme for for needs Central Central are to be different and andone. State State for andcropandthe loan the Agricultural the for credit credit year 2012-13. rate rate Department decided decided The credit areby by private25privatea scopelakh commercialare commercial for taking Cooperatives loans banks. banks. from as There There private well is as is schemesCentralschemesThe targetwhich andwhich State needs needs for disbursement schemesto to be be one. one. which of theratetheconveyed of Agricultural Agricultural crop to loan all the recommended districts. Department Department by arethe are acommercialaprivate scope scope commercial for for Cooperativesbanks. Cooperatives Therebanks asto is as increase awell well scope as as needsshortTheThe to term target targetbe one. loan for for is disbursement disbursement achieved by the of of conveyedCommitteeconveyedKisan Creditto to and all all the theCard districts. creditdistricts. Scheme rate decided privateforprivatetheir Cooperatives base commercial commercial of creditors. as banks banks well to to as increase increase private shortshortbanksThe term termbut target for loan loan a forsustained is is disbursement achieved achieved growth by by theand the of byKisan KisanThe the AgriculturalKisanCredit Credit CreditCard Card Scheme Department Scheme Card, which are is theircommercialtheirIf base base we takeof of creditors. bankscreditors. into toaccount increase the their loan banksshortbanksasset creationbut termbut for for loan a ain sustained sustained Agricultural is achieved growth growth sector by and and the it conveyeda The sourceThe Kisan Kisan to of all easy Credit Creditthe anddistricts. Card, Card, express which which credit is is basedisbursementIfIf of we we creditors. take take into patterninto account account of the the the last loan loan few assetbanksassetis need creation creation but to disbursefor ina in sustained Agricultural Agricultural mid and growth long sector sector term and it it aahas source source been ofdistributed of easy easy and and to express expressmore than credit credit 55 disbursementdisbursementyearsIf we , the take share pattern intopattern of account the of of the Cooperativethe the last last loan few few isassetisloan need need bycreation to tothe disburse disburse banks. in Agricultural mid mid and and long long sector term term it hasKisanhaslakh been been farmers Credi distributed distributed acrosst Card to theto more more State Sc hemethan than by the5555 yearsdisbursementyearssector , , thein the the share share pattern disbursement of of the the of Cooperative the Cooperative last of crop few loanisloan needEven by by theto theif disbursewe banks. banks. are surplus mid and in foodgrains long term lakhThelakhDistrict farmers Kisan farmers Central Credit across across Co-operative Card, the the State State which Banks. by by is the the a sectoryearssectorloan is , in inthe 65 the the toshare disbursement 70% disbursement of and the the Cooperative shareof of crop crop of loanweEvenEven stillby ifthe if dowe we banks. are notare surplus surplus match in in the foodgrains foodgrains demand DistrictsourceDistrictThe ofCentral StateCentral easy Cooperativeand Co-operative Co-operative express credit Bank Banks. Banks. has has loansectorloanprivate is is in 65 65 commercial the to to 70% disbursement70% and and bank the the is share share of 30 crop of toof weweand Even still still supply if do dowe not arenot of oilseedssurplus match match in the the and foodgrains demand demand pulses. beenaskedTheThe distributed for State State a credit Cooperative Cooperative to of more than Bank Bank 55 lakh has hasRs. privateloanprivate35%. isIn 65commercial commercialyear to 2011-12 70% and bank bankthe the share is is share 30 30 ratio to of to andweandThe still supplybanks supply do should ofnot of oilseeds oilseeds match delve the and district and demand pulses. pulses. wise askedfarmersasked for FURUHfor across a a credit credit IRU the UH¿QDQFLQJ of ofState by the RQ District EHKDOI Rs. 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NABARAD RQ RQ EHKDOI EHKDOI for of35%.ofThe the the privateIn two two year sectors sectors 2011-12 commercial is is 54:46 54:46the share bank per per cent. ratio cent. still creditThecreditproduction banks patternpattern shouldof totheseto helphelp delve two inin commodities. increase districtincrease wise thethe ofofextending DCCThe DCC State banks banks crop Cooperative to toloans the the to NABARAD NABARAD the Bankfarmers. has for for TheofThehas the scope private private two to sectors commercialwiden commercial is its 54:46 reach bank bank per to morecent. still still productioncreditproductionThe self-helppattern of of these theseto group help two two in andcommodities. commodities. increase Common the extendingaskedextendingNABARD for acrop cropcredit hasloans loans of preparedRs. to to the4770 the farmers. farmers. crore a plan for hasThehasfarmers. scopescope private toto widenwiden commercial itsits reachreach bank toto more more still TheproductionTheResponsibility self-help self-help of these group group Groups two and andcommodities. of Common Common farmers refinancingoutlayNABARDNABARD of Rs. on has has 67,122behalf prepared prepared ofcrore DCC abanks fora plan plan the to farmers.hasfarmers.To scope extend to widencredit itsto thereach farmers to more on ResponsibilityTheResponsibilityhave aself-help good track Groups Groups group record of of regarding farmers farmers farmers outlaytheoutlaypriority NABARAD of of sector Rs. 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20 OCTOBER 2012 SEPTEMBER 2012 17 2020 OCTOBEROCTOBER 2012 2012 Maharashtra Ahead 97th Amendment : A Boost for Cooperative Movement The Co-operative movement has been playing a major role in global economy To establish Cooperative Society is now a fundamental right according to the 97th Constitutional amendment. By this act the Central Government has given encouragement and acknowledged to the very importance of the Cooperative sector in the country’s economy. This Act is a milestone in the history of the Cooperative Movement in India explains B.N. Mahajan

he current year is being General Assembly, Nassir Abdulaziz Today in the era of market based celebrated as ‘International Al-Nasser said “By virtue of their economy, the common people do not TYear of Cooperatives’ by the organizational characteristics, have any other source but to rely on United Nations. A resolution was cooperative enterprises are user- Cooperative Movement. passed in the meeting of the General owned and community responsive. Assembly on 18th December 2009 They continue to aggregate economic 97th Constitutional proclaimed that 7th July should power enabling communities Amendment be celebrated as ‘International to compete successfully in the The constitutional amendment is a Cooperative Day’ every year. On this global economy”. The Cooperative major initiative in the ‘International occasion a new slogan was coined Movement is expanding its reach Year for Cooperatives’. The intention – “Cooperative Enterprises Build a globally and it has been playing a behind the amendment is to transform Better World”. The President of the major role in the global economy. the Cooperatives - member oriented, professional and they should work in a democratic manner. The Cooperatives will get greater autonomy and less Government control. It is expected that the Cooperatives will repay the share capital of the Government either partly or fully. They should bring in experts from banking, finance, management and the experts from Cooperative sector on their director board. There are some provisions in the act which stipulates participation in the Cooperatives as well as rules about societies extending their services and products to the members.

Salient features of the Constitutional Amendment • Incorporation, regulation and winding up of cooperative societies based on the principles of voluntary formation, democratic member- control, member-economic

18 SEPTEMBER 2012 participation and autonomous functioning. There are 100 crore people from 96 countries are part of the Cooperative Movement. • The term of the elected members The annual turnover of these societies is 110 billion dollars. The movement who has a great legacy of 250 years has not only spread in agriculture and consumer sector on the board of directors of a but also in tourism, marketing, processing, housing, insurance, and fishing. The global cooperative society shall be five recession did not deter the cooperative societies of many countries & are surviv- years from the date of election and ing and thriving by collective efforts in production, marketing, collection, saving and the election should be held before organization. Cooperative Movement has played an important role to create good the expiry of the term. infrastructure for collective livelihood. The movement is not just a movement but has become an economic system. • For conducting elections of the cooperative societies the State Government will set up an authority • In case of supersession of a board the 9% Scheduled tribes, 21% marginal or a board. The authority will have administrator appointed to manage farmers and 6% rural artisans. all the rights about superintendence, the affairs of such co-operative The Cooperative Movement could direction and control of election. society shall arrange for conduct not compete with corporate and • Maximum numbers of directors will of elections within the period of six private Sector. Liberalized economy, be 21 on each Cooperative Society months. reducing percentage of participation and there will be reservation of • There is a provision for access to of the Government resulted many one seat for Scheduled Caste or every member of a co-operative cooperatives became sick units. But Scheduled Tribe and two seats society to the books ,information the leadership which came from the for women on board of every and accounts of the co-operative common people has changed with co-operative society consisting society kept in regular transaction the time and accepted latest of individuals as members and of its business with such members. technology transform having members from such class or The member will have right to avail the sector which category. any information regarding day to • The Cooperative Societies can day activities of the society. There take two experts from the field is also provision to of banking, finance, management or specialization in any other field relating to the objects and activities undertaken by the society on the director board but the co-opted member will not have right to vote or cannot be office bearer of the society. • The co-opted members can be made functional directors to utilize their is a positive sign. expertise. The Cooperative Movement • Annual General Meeting should be is now at the crossroads. The called within period of 6 months rising NPA (non-performing assets), after close of the financial year. compulsion to make provision • The active members means the according to it , cut throat competition members having their interests in impart education and from the private sector had failed to the working of a co-operative society. training to the members. keep standard of the services to the To ensure the participation of these • There is a provision for the consumers are the factors affected members in the management of offences relating to the co- the sector badly. But the sector will the co-operative society providing operative societies and penalties overcome it by adopting transparency, minimum requirement of attending for such offences. latest technology and management meetings by the members and • This act will be applicable to skills. utilizing the minimum level of the multi-state cooperative and Keeping in view the ever growing services as may be provided in such co-operatives from the Union number of cooperative societies and law. Territories the crores of members associated • The board of directors can be There are 7.8 lakh cooperative with them it is pertinent to rejuvenate suspended for maximum 6 months societies functioning in the country. the sector and the 97th Constitutional and after that an election should be They have 24 crore members and amendment will prove helpful in this take place. consists of 25% Scheduled Castes, regard. ■

SEPTEMBER 2012 19 Maharashtra Ahead Cooperation in Economy From ancient times it was found that mankind was using Cooperation as a medium of life The economy of the villages was based on barter system which was based on cooperation. Tradition was set to undertake farming with the help of co- inhabitants. The ‘Fund’ system for lifting water in the hilly areas of Western Ghat region and for making jaggery in the Maharashtra was few examples of origins of Cooperative Movement, says Prof. J.F. Patil

n the initial days of economic agriculture and industry of the State. During this period use of currency for liberalization and in the process Yashwantrao Chavan firmly believed financial transaction was started. The Iof implementation of policy that the economy and organization of tag of price was put to the work of a of liberalization the Government, Cooperation Movement production person. The ‘colleague’ or ‘associates’ leaders, experts, activists and and marketing has a target to work in Cooperative was replaced by consumers paid no heed to the for betterment of the common man, ‘labourer’. economy, projects of Cooperatives, extends its ambit of development to Profiteering was the only target propagation of its ideals and business. the last man of the society. of industrialists. Low remuneration, The Government was planning to exit increase in work hours, use of work from the Cooperatives. The activists Genesis of Cooperation of women and children and sell the of Cooperative Movement started From ancient times it was found product at the exorbitant price to private business. the consumers became Privatization of sick practice. The great units was seen as a Communist thinker fate accomplished by Karl Marx once said the the general public also. development of capitalist Proposals of public- economy is based on private partnerships exploitation of the were brought forward labourers. in place of Coope- In the initial phase ratives. New ideas of of the industrial micro credit, banking revolution the labourers correspondent were were given subsistence doing rounds. In the wages. Due to this there centenary year of the was no job guarantee cooperative movement for the labourers. Hence in 2004, there was it was known as Iron a need to rethink law of Wages. Secondly about the movement, the Corn Law forbade its philosophy in the import of foodgrains country. But sans few universities, out that the mankind was using and increasing its prices. Thirdly the who organized seminars, nothing was Cooperation as a medium of life. New practice of selling the production happened. continents were discovered on the from industry only on profitable price Education, Cooperation and basis of collective efforts resulting created a scenario where labourers Panchayat Raj which means increase in global trade. Between could not able to buy the basic needs. decentralization of the democratic 1750 to 1800 many techno-scientific Robert Owen, a liberal factory owner systems was the three founding inventions were based on cluster realized the gravity of the condition of principles adopted by the Yashwantrao system. Production was increased, the labourers and formed a labourers Chavan for development of machinery was accorded importance. cooperative society and founded a

20 SEPTEMBER 2012 cooperative store where labourers could buy basic needs at cheaper Benefits of Cooperative Economy price. Before that in the year 1498 To create a parallel force of the marginal which can check and limit the monopoly or a the first cooperative of the world cartel whose working is detrimental to their interest was established in Aberdeen, in • To implement principals of inclusive democracy and equitable distribution • To check and limit economic exploitation England. In the year 1769 the first • For decentralization of power and financial activities documented consumer cooperative society was established in Fenwick, in England which paved way for the in the field of consumer, credit, middle class of the society still not formation of the Heart of England processing and marketing were reaped the benefit of the Cooperative cooperative society which in turn established all over Europe based on Movement. The Urban Banks were after merger with another cooperative Economic Socialism. established mainly by the traders to societies formed a national level serve their interests. cooperative society called The Dawn of Cooperatives in Cooperative Group. The Cooperative India Philosophical Support Movement was the reaction to nullify In 1892 Derrick Nicholson and in • The have-nots can be exploited ill effects of the industrial revolution 1901 the Second Famine Commission in isolation in the market based and it got consolidated over a suggested establishment of coop- economy but collectively they can period of time. Rochdale Society erative societies in the rural areas be able to minimize the ill effects of of Equitable Pioneers was to help agriculture sector which ‘survival of the fittest’ theory of the established on the principles of was prone to drought and the small economy. Rochdale in England in 1844, the farmers who were in the grip of money • In market based economy cartels credit unions in the urban part of lenders for availing credit for its gets formed for more profiteering the Germany called Schulze-Delitzsc, farming. The first act for Cooperative and serving vested interest but the and the Raiffeisen in the rural part Agricultural Credit Societies was cooperatives, with the collective were all reactions against the promulgated in 1904 and the wider strength of the marginal of the oppression of labourers and common act passed in the year 1912 paved way society can effectively check the people in the era of industrial for establishment of nonagricultural cartels by keeping the prices of goods revolution. On 1st May 1828 Dr. credit societies. Before independence and services under check simply by William King started a monthly The the Cooperative Movement was a its turnover which is again based on Cooperator to propagate the ideals of part of political activity and post- the same principal of market based Cooperatives initiated by the Robert independence it was used as a vehicle economy. Owen. After that many cooperatives to reach the steps of the power. The • Farming a small tract of land is always in loss but if the small or Co-operatives are significant economic marginal farmers comes together and formed collective farm strength factors in national economies of 200-400 hectares of land then In Denmark, consumer co-operatives in 2007 held 36.4% of consumer they can make the agriculture retail market. profitable by using machinery and In Japan, the agricultural co-operatives report outputs of USD 90 billion with 91% of all Japanese farmers in membership. In 2007 consumer co- fertilizers, timely marketing on their operatives reported a total turnover of USD 34.048 billion with 5.9% of the collective efforts. food market share. • a competitive market community In Mauritius, in the agricultural sector, co-operators play an important role farming instead of standalone in the production of sugar, vegetable, fruit and flower, milk, meat and fish. farming, cooperative spinning mills Nearly 50% of sugar-cane planters are grouped in co-operatives. instead of weaving at family basis, In Côte d’Ivoire, co-operatives invested USD 26 million into setting up dairy cooperative instead of selling schools, building rural roads and establishing maternal clinics in 2002. milk in limited level, raising a credit In New Zealand, 22% of the gross domestic product (GDP) is generated by society or a bank in case of individual co-operative enterprise. Co- operatives are responsible for 95% of the dairy small savings can multiply your market and 95% of the export dairy market. profit. In Uruguay, co-operatives are responsible for 3% of the GDP. They produce 90% of the total milk production, 340% of honey and 30% of To achieve a highest target in a wheat. 60% of co-operative production is exported to over 40 countries business or industry and to serve around the world. the interest of common people, Source : Official website of the ICA for the United Nations International Year of Coop- cooperative movement is the best eratives possible way we have. ■

SEPTEMBER 2012 21 Maharashtra Ahead

Strengthening Cooperative Sector The International Year of Co-operatives aims at increasing awareness, promote growth and establishing appropriate policies Strengthening of the Cooperative Movement in the State through development of financially sound and economically independent cooperative Institutions is the vision of co-operative sector of Maharashtra.

o-operation is a movement development, particularly poverty Agricultural Credit registered under co-operative reduction, employment generation Agricultural credit co-operative Csocieties act, which is initiated and social integration. The IYC aims societies are envisaged as a mechanism and managed by group of people at increasing awareness, promote for farmers to provide them access called members to carry out economic growth and establishing appropriate to credit services to enable them and social activity to generate profit/ policies for this sector. to carry out their agriculture and benefits which are shared by them. As on 31st March, 2011 there allied activities. The Agricultural The co-operation movement in the were about 2.24 lakh co-operative Co-operative structure in the State State has shown remarkable progress societies operating in the State, with is three-tier with the Maharashtra in various sectors. viz. agriculture, about 560 lakh members. Out of State Co-operative Bank as the agro-processing, dairy, fisheries, the total co-operative societies, 9.6 apex body at the State level, District storage, sales, marketing, credit and per cent are engaged in agriculture Central Co-operative Banks at district banking, housing etc. credit, 10.4 per cent are engaged in level and the Primary Credit Societies The United Nations General non-agriculture credit and rest 80 at village level. Assembly has declared 2012 as the per cent are engaged in marketing, International Year of Co-operatives production, lift irrigation, electric Dr. Panjabrao Deshmukh (IYC) highlighting the contribution supply, water supply, transport, social Interest Rebate Scheme of co-operatives to socio-economic sectors etc. In order to motivate farmers for

22 SEPTEMBER 2012 timely repayment of the short term Agro-Processing was much higher than that for Uttar crop loan and also to encourage Co-operatives Pradesh i.e. seven per cent, and them for crop production, an interest The agro-processing co-operatives 5.2 per cent respectively. subsidy is given to them. The farmer provide means for reasonable returns There were 164 co-operative cotton members availing loan under three- to cultivators and also promote ginning and pressing societies in the tier co-operative credit structure growth of rural industries. The State State as on 31st March, 2011. The are eligible. Under this scheme, four Government provides financial share of State Government in share per cent interest subsidy is given assistance to these societies for setting capital of these societies was 20 per for the loan upto Rs. 0.25 lakh and up processing units. Co-operative cent. two per cent interest subsidy is sugar factories, cotton ginning and There were 167 co-operative given for loan amount exceeding pressing, spinning mills, handloom spinning mills in the State as on Rs.0.25 lakh but less than Rs. three and powerloom, dairy societies and 31st March, 2011. The share of lakh. The farmer has to repay the dairy unions and fisheries societies State Government in share capital loan by 30th June of each year. For are the major constituents of agro- of these societies was 64.3 per cent. this scheme, during XI FYP budget processing co-operatives. As on Percentage of spinning mills running provision of Rs. 10.93 crore was made 31st March, 2011 there were 48,848 in loss is 43.7. and expenditure incurred was Rs. agro-processing co-operatives. The There were 685 co-operative 8.82 crore. The target was 1.91 lakh membership of all these societies handloom and 1,378 powerloom beneficiaries against which 1.59 lakh together was 75.62 lakh. societies in the State as on 31st March, beneficiaries were covered. During 2011. The contribution of State the year 2011-12, the total outlay for Sugar Factories Government in share capital of co- the scheme was Rs. 84.28 crore and After independence, co-operative operative handloom and powerloom expenditure incurred is Rs. 69.66 sugar factories have played crucial societies was 8.6 and 24 per cent crore till January, 2012. The target role in improvement of socio-economic respectively. About 49.3 per cent co- to cover 9.89 lakh beneficiaries was conditions in rural areas of the operative handloom and 71.6 per cent achieved. State. As on 31st March, 2011 there power loom societies were in loss. were 202 sugar factories in the State Financial Assistance Of the total sugar factories in the Dairy to Co-operative Lift country, 32 per cent are located in At the end of March, 2011, there were Irrigation Societies the State followed by 23 per cent in 27,110 co-operative dairy societies To encourage the co-operative lift Uttar Pradesh. As on 15th January, and 78 co-operative dairy unions in irrigation societies, the government 2012 the share of State was 62.1 per the State. The number of Co-operative approves a financial assistance of cent and 66.4 per cent respectively dairy societies and dairy unions in Rs. one crore or 25 per cent of project in the total cane crushed and sugar loss were 42.7 and 34.6 per cent cost, whichever is less, which enables produced at national level, which respectively. to reduce the burden on the members of these societies. Under this scheme, the societies registered after March, 1994 and which have not started the project work because of lack of funds and proposals regarding financial assistance pending in Finance Department, are the beneficiaries. For this scheme, during XI FYP budget provision of Rs. 16.33 crore was made and expenditure incurred was Rs. 18.06 crore. The target was 130 societies against which 101 societies were covered. The budget provision as well as actual expenditure was i.e. Rs.3.43 crore for the year 2010-11. Financial assistance was provided to 15 societies against the target of 25 societies.

SEPTEMBER 2012 23 Maharashtra Ahead

Fisheries March, 2011 as compared to 46.5 per in the State with 21.61 lakh members. There were 3,186 primary fisheries cent by the end of March, 2010. The total employment in these co-operative societies, 37 fisheries co- societies was 22,670. There were operative unions and two federations Non-Agricultural 11,113 labour contract societies having working in the State as on 31st March, Credit Societies 5.74 lakh members. There were 300 2011. These societies sold fish and As on 31st March, 2011, there were forest labour societies with 60,868 fish products worth Rs. 399.73 crore 541 urban co-operative banks, 15,575 members, of which 113 (37.6 per cent) in 2010-11. Loans are provided urban co-operative credit societies were in profit. to societies of fisherman through and 7,317 salary earners’ co-operative Maharashtra State Co-operative National Co-operation Development credit societies in the State. About 23.8 Housing Finance Corporation Ltd. is Corporation for mechanisation of per cent of the total non-agricultural the central housing credit institution fishing boats. During the year 2011-12, credit societies were in loss. functioning in the State. At the end budge provision is Rs. 42 crore and of March, 2011 the deposits have expenditure incurred is Rs. 2.54 Status of Urban increased by 13.3 per cent and crore. Up to February 2012, against Co-operative Banks recovery of loans is 38.5 per cent as the target of providing loan to 300 Out of the total urban co-operative compared to corresponding figures of societies, the achievement is 102. banks in the country, 32.9 per cent previous year. are located in the State. As on 31st Maharashtra State Co-operative Co-op Marketing Societies March, 2011 there are 86 banks which Federation is the apex body which Co-operative marketing societies have under liquidation. Of these, for 83 controls the functions of the wholesale a three-tier organizational structure. banks, the Deposit Insurance Credit consumer stores working at district The Maharashtra State Co-operative Guarantee Corporation has approved level. These wholesale consumer Marketing Federation Ltd. is the the reimbursement of insured amount stores distribute goods to primary apex body, the District Co-operative of deposits up to Rs. 1 lakh and the consumer stores working at village Marketing Societies are functioning disbursement is in process. level. As on 31st March, 2011, besides at district level and the Primary Co- the apex consumer federation, there operative Marketing Societies are Other Co-operative were 174 wholesale consumer stores functioning at village level. About Societies and 2,855 primary consumer stores 43.4 per cent co-operative marketing As on 31st March, 2011, there were working in the State. ■ societies were in loss at the end of 85,335 co-operative housing societies (Source: Economic Survey of Maharashtra -2011-12)

24 SEPTEMBER 2012 Cooperative Enterprises Build a Better World Co-operatives provide an important channel for bridging market values The year 2012 has been declared as the International Year of Cooperatives by United Nations. On this occasion Chandragupta Amritkar compiles some interesting information and facts on the Cooperative movement

nternational years are declared also highlight the strengths of the Ban Ki-moon. The theme for 2012: by the United Nations to draw cooperative business model as an International Year of Cooperatives Iattention to and encourage alternative means of doing business is “Cooperative Enterprises Build a action on major issues. The and furthering socio-economic Better World.” International Year of Cooperatives is development. “Cooperatives are intended to raise public awareness a reminder to the international So what exactly are of the invaluable contributions of community that it is possible to cooperatives? cooperative enterprises to poverty pursue both economic viability Cooperatives are business enterprises reduction, employment generation and social responsibility,” says owned and controlled by the very and social integration. The Year will United Nations Secretary-General members that they serve. Their

SEPTEMBER 2012 25 Maharashtra Ahead member-driven nature is one of the 1.6 trillion dollars in 2008, operating most clearly differentiating factors The UN’s goals for in diverse sectors, including in of cooperative enterprises. This the IYC are: agriculture, finance, consumer, fact means that decisions made in • Increase public awareness about insurance and health sectors. At the cooperatives are balanced by the co-operatives and their contributions same time, cooperatives also give the to socio-economic development and pursuit of profit, and the needs smallest of operators the opportunity the achievement of the Millennium and interests of members and their Development Goals. to improve their output and income. communities. Cooperatives take • Promote the formation and growth of Guided by the compass of social many forms and operate in all sectors co-operatives. justice, cooperatives are vehicles of society. Most share a unique • Encourage Governments to establish for promoting decent work and policies, laws and regulations set of principles which keep them decent lives for all. As democratic, conducive to the formation, growth attuned with their member-driven and stability of co-operatives. value-driven and locally-controlled characterization. organizations, they foster social inclusion. Organization brings International Labour the United Nations International Year strength and the organization Organization (ILO) and of Cooperatives 2012, highlighting the and solidarity of the cooperative its role strengths of the cooperative business movement have been highly effective As business organization, cooperatives model as an alternative means in enabling disadvantaged groups contribute to economic development, of doing business and furthering to gain voice, mobilize to pursue generating more than 100 million jobs socio-economic development. A their economic interests and to and securing the livelihoods of nearly wide range of activities and events secure social protection. Indigenous a quarter the world’s population. are planned in addition to making people, refugees, migrants, women in Cooperatives provide an important available policy briefs, training rural and urban areas, unemployed channel for bridging market values materials, guidelines and information persons, the elderly, and the disabled and human values. materials for the ILO’s constituents have all found possibilities for social Within the UN system, the ILO and other cooperative stakeholders. and economic participation and is responsible for the largest and Globally, about 1 billion women advancement through cooperative most diversified programme for the and men are involved in cooperatives action and enterprise. promotion of cooperatives. Viable which generate some 100 million Rooted in the people and and self-reliant cooperatives formed jobs. The three hundred largest communities they serve, cooperatives by producers, consumers, workers cooperatives generated revenues of are well-placed to serve as guardians of and business, people worldwide have demonstrated their enormous potential for creating and consoli- dating employment opportunities, empowering people, providing protection and alleviating poverty. The ILO technical assistance progra- mme for cooperative development focuses on policy and legal advice, capacity-building through human resource development, poverty allevi- ation through self-help, alternative delivery mechanisms for social services, and a special regional programme for indigenous and tribal people. Under the theme, “Cooperative Enterprises Build a Better World”, the Year is intended to raise public awareness of the invaluable contributions of cooperative enterprises to poverty reduction, employment generation and social integration. ILO will play a special role in the coordination and planning of

26 SEPTEMBER 2012 the environment and the conservation enterprise. Today, in confronting non-governmental organization of ecosystems for the benefit of future the widespread and growing that unites, represents and serves generations. Agricultural and other income inequality, unemployment, co-operatives worldwide. It exists rural cooperatives can play a key role underemployment and social to provide an effective and efficient in preventing ecosystem degradation exclusion that have been the corollary global voice and forum for knowledge, and assuring food security. of prevailing inefficient patterns of expertise and co-ordinated action “Cooperatives have a key role growth, cooperative ideals and action for and about co-operatives. It helps to play in the economic, social and are much needed,” said Juan Somavia, individuals, government authorities environmental pillars of sustainable Director-General of the ILO. and regional and international development. The recent Rio+20 institutions understand the co- Summit reaffirmed the role of operative model of enterprise. It cooperatives in contributing to social channels specific information to inclusion and poverty reduction. institutions and the media showing Clearly, with such an approach, the importance of co-operatives to cooperative enterprises are helping a wide range of economic and social build a better world. Yet to thrive issues. fully, they also need a supportive As I mentioned above not all environment and the ILO’s Promotion cooperatives operate in exactly of Cooperatives Recommendation the same manner. However, (R.193), celebrating its 10th most traditional cooperatives anniversary this year, provides sound follow the seven principles of guidance on creating such an cooperative identity promoted by the environment. I urge all who wish International Cooperative Alliance. to translate the cooperative ideal International The first four principles – voluntary into action to make good use of this Co-operative Alliance and open membership, democratic Recommendation. The resilience of Established in 1895, the International member control, member economic cooperatives, including in times of Co-operative Alliance is the Apex participation, and autonomy and crisis, testifies to the sustainability organisation for co-operatives independence – guarantee the and adaptability of the cooperative worldwide. ICA is an independent, conditions under which members

SEPTEMBER 2012 27 Maharashtra Ahead own, control and benefit from the business. The fifth principle Facts and figures on cooperatives focuses on education, training and • Serve 1 billion member’s worldwide • Financial cooperatives serve over 857 million people – 13 per cent of the world population. information sharing. It ensures that • Provide 100 million jobs around the globe members can contribute effectively • Ensure the livelihoods of 50 per cent of the world’s population to development of their cooperatives. • Produce 50 per cent of global agriculture output The sixth principle – cooperation • The top 300 cooperatives in the world in terms of turnover exceed US$ 1.6 trillion among cooperatives – strengthens the • In Argentina, cooperatives provide 58% of rural electricity. • In Colombia, Saludcoop, a health cooperative, provides healthcare services for 15% of effectiveness and economic viability the population. of cooperatives by increasing capacity • In Japan, 9 million family farmers are members of cooperatives. across many spheres of operation. • In India, the needs of 67% of rural households are covered by cooperatives. The seventh principle – concern for • In Switzerland, the largest retailer and private employer is a cooperative. community – addresses corporate • Some of the largest banks in the world, including Dutch Rabobank, Credit Agricole and Credit Mutuel in France, and DG Bank in Germany are cooperatives. responsibility, a concept that comes more naturally to cooperatives as member-serving and member-driven formula on ICA’s 273 members people it represents, according to enterprises. from 98 countries. On this basis, available figures. The International Co-operative the global representative body for Alliance represents close to one billion co-operatives is one of the largest Country Statistics individual members. These statistics non-governmental organisations in The country with the largest number are calculated from the subscription the world today by the number of of individual members indirectly represented by the ICA is the United States with 305.6 million members. There are nearly 30,000 co-operatives in the US. The next countries are in Asia, with China following next behind the US with 160.8 million individual members. And then India with 97.6 million individual members. Together these three countries account for nearly half of the members that the ICA represents indirectly. The fourth largest number of members is in Japan with 75.8 million individual members - one in three Japanese households hold membership of a co-operative - and then Indonesia with 40.6 million individual members. All in all, four of the top five countries - by membership that the ICA represents - are in Asia. France is the first European country with 32.4 million individual co-operative members, represented through their organisations by the ICA. Iranhas 25.5 million individual co-operative members which are represented by the ICA. Canada, where one in four people are members of a co-operative, then follows with 18.1 million individual members represented by the ICA. The United Kingdom has 11.5 million individual members and Bangladesh follows not far behind with 11 million. ■

28 SEPTEMBER 2012 Maharashtra Ahead Deemed Conveyance An Opportunity for True Ownership Maharashtra Ownership of Flat Act was enacted to protect interest of flat purchaser Conveyance is the process of transfer of title of Land and Building by the builder or developer of the land in favour of the housing society by execution of conveyance deeds, explains Vilas Gawde.

he rapid growth in urban population generated need of Tnew housing stock in the cities and buildings are growing upwards to contain maximum population in minimum space. Developers started constructing housing projects and residential complexes and the sell- purchase agreements were being made between the consumers and the builders. Therefore, to protect the interest of flat purchaser Maharashtra Ownership of Flat Act (MOFA) was enacted in 1963. This act intended to regulate the promotion of construction, sale, management and transfer of a property. form a cooperative housing society. designated Competent Authority The main objective of the formation Therefore, Government has amended passes the necessary order of deemed of the housing society is to obtain the Maharashtra Ownership Flats conveyance. conveyance of the society which is Act, 1963 (MOFA) and provided also clearly mentioned in the bylaws the procedure for the deemed The documents required of the cooperative housing societies. conveyance. For Deemed Conveyances The bylaws No 155 clearly stipulates As per the section 10 and 11 of 1. Application Form 7 as under section the process of conveyance and the Maharashtra Ownership Flats Act, 11 (3) developer and the society need to 1963, the Deputy District Registrar 2. The Court Fee Stamp of Rs. 2000 register the draft of the conveyance has been declared as a Competent 3. Affidavit by Notary or done before deed. Conveyance is the process of Authority in each district. the Executive Magistrate. transfer of title of Land and Building Under section 10 of the principal 4. Xerox copy of Society Registration. by the builder or developer of the Act, in sub-section (1), it is clearly 5. 7/12 Extract and Village Form land in favour of the housing society stated that, if the promoter or No.6 by execution of conveyance developer fails to form co-operative 6. Name and address of Land owner deeds. Many times it is seen that housing society within the prescribed and developer the developer does not take any period, then competent authority 7. Completion Certificate initiative in formation of co- gives the direction to the developers 8. The registered Agreement for sale operative housing society and the flat regarding formation of the society. entered into with the promoter/ purchasers has to take initiative to According Section 11 of Act, opponent party

SEPTEMBER 2012 29 Maharashtra Ahead

Process of deemed the date fixed for the hearing thereof register the deed will issue ‘Index Conveyance on the office notice board sufficiently 2’ which is proof of the completion • To deposit documents that are in advance. of the process on the name of the essential for this process. society. • Appoint authorized signatory in the Presence for Hearing Procedure After the meeting of the Managing Committee Both parties or lawyer or authorized Certificate members. person must be present before After the issuance of the certificate • Application for deemed conveyance. the Competent Authority on the the Competent Authority will ask the Application should be made declared date of hearing. If on the society to prepare deemed sale deed according to the form No 7 and the date fixed for hearing or on any and after verifying the sale deed, the court fee stamp of Rs. 2000 should be other day to which the hearing may Competent Authority will ask the pasted on the application. be adjourned, if the applicant do not society to pay the stamp duty. appear either in person or by his Verification of Documents Authorized Representative, when Stamp Duty On receipt of an application, the application is called for hearing, the The Registrar of the Stamp Duty office office of the Competent Authority Competent Authority may dismiss the will verify the document and accept shall endorse as soon as on its receipt, application. the Stamp Duty. examine it and satisfy itself that the person presenting it has authority Presentation of Documents Registration of the to do so and that it conforms with Relevant Documents and original Deemed Sale Deed all the provisions of the Act and copies required by the Competent After payment of the Stamp Duty the the Rules made thereunder. If the Authority to determine the sale deed should be brought to the Competent Authority is satisfied that genuineness of the Application must Competent Authority. The Authority the application is complete in all be submitted by the applicant. will endorse the document on the behalf of builder or developer by himself or by Sr. Flat Name Of Flat Area Amount paid for Document Amount paid for a designated officer. The endorsed No No. Purchaser of Flat Stamp duty registration No. Registration document will have to submitted 01 02 03 04 05 06 07 again to the Sub-Registrar’s office for registration within 4 months of the 1. Receipt of 5, 6 and 7 registration 2. Notice to the builder or date of endorsement failing which developer for making deemed conveyance. late fee will be charged accordingly. 3. Non-Agricultural certificate. The Sub-Registrar after verifying the 4. Commencement certificate. document will registere it. 5. Title and Search Report (report, development agreement, approved map) 6. Draft of Deemed conveyance. 7. Certificate of Architect about the entire Layout of Plot Registration Fee 8. Resolution of the Managing Committee for giving authority to the applicant on behalf If the members mentioned in the of the Managing Committee of the society. sale deed have already paid 9. Vakalatnama of the lawyer if it is appointed by the society. registration fee on their flats then only Rs. 100 will be charged for respect, it shall cause the application Procedure of Hearing registration of the deemed sale to be registered, as admitted, in the • After receiving the written reply deed. Else the members who have not appropriate register maintained from the applicant and from the paid the registration fee will under act. If the application is not opponent, Competent Authority have to pay with appropriate complete, the Competent Authority will hear stand of both the parties. penalty which aggregately should may send notice in the form VIII, to Oral Arguments of the applicant, not exceed Rs. 30,000 in whatever the applicant/s to rectify the defects Opponents and the interested circumstances. or comply with such requirements, as parties on the submissions made it may deem fit to conform to all the by each of them and to submit the Record of the Society’s provisions of the Act. necessary documents in support of Name in the 7/12 Extract their arguments. After registration of the deemed Notice for Date of Hearing • Competent Authority then appoint sale deed, the document should be The Competent Authority shall issue Authorized officer to execute the submitted at the Talathi office or necessary notice to all the parties Conveyance deed and register and concerned office of the Town Planning regarding the date fixed for hearing admit the execution before the sub- Department for record of name of the the application and publish or display registrar and the sub-registrar after society in property card. ■

30 SEPTEMBER 2012 Initiatives Towards Tribal Development There are 938 multipurpose co-operative societies functioning in tribal areas. Multipurpose Cooperative Societies functioning in remote areas and the Maharashtra State Co-operative Tribal Development Corporation with a sole aim of empowerment of landless tribal labourers, serves as the apex society of the units. There are many schemes being implemented by the corporation states Managing Director, Tribal Development Corporation Vilas Thakur.

n 1972, Maharashtra State Cooperative Tribal Development ICorporation was established with a sole aim of empowerment of landless tribal laborers and end their misery. The State has tribal population of 85.77 lakh which constitutes 8.85 % of the State’s total population. 91. 11% tribal population falls below poverty line which tells us the gravity of their misery. There are 938 Multipurpose Cooperative Societies functioning in remote areas and the Tribal Development Corporation serves as the apex society of the units. There are many schemes being implemented by the corporation:

Agricultural Credit Per year Rs. 350 crore gets disbursed as short term, mid- term and long term crop loan to the tribal farmers

SEPTEMBER 2012 31 Maharashtra Ahead

which prevents them from being fall Sr. no. Regional Office Contact Number prey to the moneylenders . Every year, 1 Regional Office Nagpur, Gondwan, Aadivasi Vikas Bhavan, 9422946396 these credit societies approximately 2nd Floor, Giripeeth, Amaravati Road, Nagpur -10 distribute crop loan upto Rs. 350 2 2nd Floor, Adivasi Vikas Bhavan, 3rd Floor, Gadkari Chowk, 9422946390 crore. Old Agra Road, Nashik - 422002. 3 Regional office, Junnar, Revenue Bhavan, Near New ST 9422946388 Minimum Purchase Stand, Junnar Pune, [email protected] Guarantee Scheme 4 Regional Office, Jawhar, Near to Panchayat Samiti, Jawhar, 9975478747/ 410 purchase centers were started Thane 9422946384 under this scheme in the remote areas 5 Regional Office, Nadurbar, Balajiwad Tilak Road, Nadurbar. 9637202535/ of the State. The price of the produce 8275022755/ is given to the tribal according to the 9405202143 standard, quality and weight of the 6 Regional Office, Yavatmal, Dandwate Niwas, Darda Nagar, 9422946386/ produce. Near to Water Tank Yavatmal 8785876933 7 Regional Office, Bhandara Saikrupa Bunglow, Near Nagpur 9422946392 Monopoly Procurement Naka, Bhandara Scheme 8 Regional Office, Chandrapur Jain Complex, Mulroad, Ban- 9422946394/ In 1977-78, the Government of gali Camp, Chandrapur 9404343232 Maharashtra had introduced 9 Regional Office, Gadchiroli, Charmoshi Road, Near Zilla 9422946396 ‘Monopoly Procurement Scheme’ Parishad High School, Gadchiroli. in 7 talukas and due to enormous 10 Regional Office, Dharani, Tehsil Dharni, Melghat, Amravati 9422946387 response it was extended in 73 talukas of 15 districts. 11 Deputy Regional office, Aheri, Gadchiroli 9422946392 The District Collector has been empowered to notify prices of the and beneficiary participation since 87,616 gas units has been provided as commodities under the scheme 1973-74. Due to the shortage of on 30th July 2012. twice on the basis of rates prevail power supply in the tribal region, a in the nearest Agriculture Produce new scheme of supply of Oil engines Door step delivery Scheme Marketing Committee (APMC). were started since 17th January 1977. The scheme is started in 1992-93. Guarantee of better remunerative The execution of this scheme was Under this scheme the ration stock prices, proper weighment and prompt entrusted to the Corporation from is ferried from the warehouse at payment to the tribal tenderers. 1980-81. From 1980-81 to 2009-10 taluka level to the concern rationing Operations of procurement of 21 there were 55,644 electric motor shop in the hamlet, directly by agricultural and 31 minor forests pumps and during 1980-81 to 2010-11 the Corporation with the assigned produce commodities through 567 81,859 oil engine were sanctioned by vehicles. This scheme ensured timely purchase centres opened in 71 talukas the corporation. and sufficient supply of P.D.S. items in the 15 Districts of State Prevented at remote places. exploitation from the hands of private Future schemes of traders and landlords. The scheme Financial Status of the was suspended by the Government on the Corporation Corporation • Increasing storage capacity of ware- 7th March 2008 but there is a plan to houses. The paid up capital of the Corporation bring it in a new form. • Subsidy for self -employment is Rs. 81.76 crore as on 31st March schemes for tribal youths. 2012 in which Rs. 12.14 crore worth Consumption Finance • Distribution of Solar lamps to the shares are owned by the Central Scheme beneficiaries of Consumption Finance Government, the State Government Scheme. Scheme was started in 1978. Under this • Distribution of H.D.P. along with oil has shares worth Rs. 61.61 crore and scheme the Government makes funds pumps to Tribal farmers. share of Multipurpose Cooperatives is available to the Tribal Development • PVC pipe supply scheme worth Rs. 1.21 lakhs. The Corporation Corporation to extend 30% subsidy is excelling under the able leadership on loan avail by the tribal. Supply of Cooking Gas of Chairman Babanrao Pachpute, units to BPL Families Minister for Tribal Development, Vice- Electric-Motor Pump sets 1 lakh gas units, consists of a gas Chairman, Rajendra Gavit, Minister / Oil Engines Scheme cylinder and a regulator, have of State for Tribal Development. The Supply of Electric Motor Scheme was sanctioned for the BPL families of the Corporation is the leading light for started to implement under subsidy tribal population and out of which the tribal population of the State. ■

32 SEPTEMBER 2012 CapitalizingCapitalizing thethe DevelopmentDevelopment NABARD has effectively brought in a number of innovations in the rural credit domains NABARDNABARD refinanceshas effectively commercial, brought in a co-operativenumber of innovations and regional in the ruralrural credit banks domains for lendingNABARD for refinances farm and non-farm commercial, activities. cooperative Refinance and regionalis provided rural by banks NABARD for for bothlending long for term farm investment and non-farm credit activities. as well asRefinance short term is providedproduction by creditNABARD for for cropboth loans long termand working investment capital credit for as non-farm well as short activities. term production credit for crop loans and working capital for non-farm activities. ational Bank for Agriculture both long term investment credit as the poor households, to collectively andational Rural Bank for Development Agriculture wellboth as long short term term investment production credit credit as identify,identify, prioritize prioritize and and tackle tackle the the N[NABARD]and Rural is set Development up by the forwell crop as short loans term and production working capital credit problemsproblems they they face face in in their their socio- socio- GovernmentN[NABARD] of India as a is development set up forfor crop non-farm loans andactivities. working NABARD capital economiceconomic environment. environment. By By pooling pooling bankby thewith Governmentthe mandate of of facilitating India as hasfor effectively non-farm brought activities. in a NABARD number theirtheir meager meager resources resources and and using using credita development flow for bank promotion with and the ofhas innovations effectively brought in the in rural a number credit themthem forfor lendinglending amongamong themselves. themselves. developmentmandate of facilitating of agriculture credit andflow domains.of innovations To quote in a thefew: rural credit DuringDuring the the year year 2011-12, 2011-12, 7.3 7.3 lakh lakh integratedfor promotion rural and development development. of domains. To quote a few: SHGsSHGs have have been been promoted promoted by by Theagriculture mandate and integrated also NABARD and and linked linked with with coversrural supporting development. all banking system system in in terms terms of of otherThe allied mandate economic also savings accounts.accounts. activitiescovers supportingin rural areas, all promotingother allied sustainable economic FarmerFARMERsS CClLubUBsS ruralactivities development in rural areas, and A popular popular intervention intervention usheringpromoting in prosperity sustainable in among both both farmers farmers and and therural rural development areas. and Bankers, the the farmers farmers Club Club usheringNABARD’s in prosperity functions in concept was was envisaged envisaged as as canthe rural be areas. classified into an experiment experiment in in social social 4 major categories NABARD’s viz. engineering, a a forum forum to to Creditfunctions Planning, can be Financialclassified bring the the rural rural banker banker and and Services,into 4 major categories Promotion viz. thethe borrower borrower closer closer and and to to andCredit Development, Planning, Financial and propagate the the principles principles of of Supervision.Services, Promotion Under development throughthrough credit. credit. Creditand Development,Planning NABARD and Farmers ClubClub isis an an informal informal preparesSupervision. Potential Under group ofof 15-2015-20 farmers, farmers, one one Credit Planning NABARD per village, which acts as a Linked Credit Plan per village, which acts as a prepares Potential medium for accessing and (PLP) annually for each medium for accessing and Linked Credit Plan disseminating awareness district of the country disseminating awareness (PLP) annually for each of modern methods of by assessing potential of modern methods of district of the country farming and technological available in agriculture farming and technological by assessing potential advancements in agriculture and rural sector. This advancements in agriculture available in agriculture in its area. Financial support serves as a guide for in its area. Financial support and rural sector. This is provided by NABARD for banks and Government is provided by NABARD for serves as a guide for opening and maintenance of agencies to prepare their opening and maintenance of banks and Government agencies to Formation and Linkage Clubs as well as for organizing training own investment and credit plans FORMATION AND LINKAGE OF Clubs as well as for organizing training prepare their own investment and of Self Help Groups programmes in the respective villages. incredit the plans district in the and district State. and Under State. SEOneLF of HE theL P major GROUP successS stories of Withprogrammes corporates in the and respective food villages. chains itsUnder Financial its Financial services, services, NABARD NABARD OneNABARD, of the majorthe SHG success Bank stories linkage of lookingWith corporates for supply chainand food linkages chains of refinancesrefinances commercial, commercial, co-operative cooperative NABARD,programme thestarted SHG as a Bank pilot project linkage farmlooking produce, for supply Farmers chain Clubs linkages may of andand regional regional rural rural banks banks for for lending lending programmein 1992 with started 500 SHGs. as a SHGspilot projectenable havefarm an produce, important Farmers role to play Clubs in joint may toto on on farm farm and and non-farm non-farm activities. activities. inthe 1992 poor, with especially 500 SHGs. the womenSHGs enable from productionhave an important and marketing role to play of in farm joint RefinanceRefinance is is provided provided by by NABARD NABARD for for thethe poor, poor especially households, the to women collectively from produce.production During and marketing the year, of25,238 farm

SEPTEMBEROCTOBER 2012 2012 3319 Maharashtra Ahead

efforts made in association with Bhartiya Agro Industries Foundation (BAIF). The project also envisages other development interventions like environment, gender and health. During 2011-12, assistance of Rs. 290.63 crore was sanctioned for 98 projects benefiting 72,659 tribal families. The cumulative sanction stood at 415 projects in 26 states/UTs benefiting 3,23,062 tribal families, who were assisted from the Tribal Development Fund (TDF) of NABARD to the tune of Rs. 1,208 crore.

Revival of Short-Term Rural Cooperative Structure (STCCS) NABARD is implementing agency Farmers’ Clubs were launched by creating a sustainable cost effective for the Revival Package for the Short different agencies with NABARD solution to the water harvesting Term Cooperative Credit Structure support, taking the total number of techniques in rural areas. Building on (STCCS). The STCCS comprises of such clubs to around 1,01946. its experience with the KFW funded the State Cooperative Banks, District watershed development programme Cooperative Banks and the Primary Rural Infrastructure in Maharashtra, NABARD established Agricultural Cooperative Societies Development Fund (RIDF) a Watershed Development Fund. (PACS). The Revival Package has been Deficient Rural infrastructure NABARD’s total commitment formulated by the Government of India hinders both social and economic under watershed development based on the recommendations of the development. Economists have programme rose to Rs.1,600 Vaidyanathan Committee. Twenty explicitly emphasized on the direct crore, covering an area of about five States have signed the MoU correlation between the index of 1.78 million hactre disbursement covering 96% of the STCCS entities infrastructure development and rural of Rs.272 crore under watershed in the country. Apart from being on development. NABARD’s support to development programmes anchored the National, State and District level State Governments through RIDF by NABARD was made during implementing Committees, NABARD since 1995-96 has brought about a 2011-12 and Disbursement under has designed guidelines and training sea change in the shape of upgraded the Prime Minister’s programme in manuals for the special audit of PACS infrastructure in rural areas. Rural distressed districts was Rs. 181 crore. under the Package. Under this , an roads and bridges under RIDF have Under Indo-German Watershed amount of Rs. 9,003 crore has been improved market access to farmers; Development Programme (IGWDP) released by NABARD as Government check dams and irrigation structures supported by KfW, an amount of Rs. of India share for re-capitalization of have augmented their water resources. 51 crore was disbursed. 54,715 PACS in seventeen States and Even drinking water projects and 13 CCBs. health centres have been supported Tribal Development and Common software for accounting under the Fund. Another all-time WADI Approach has been finalised by NABARD and high was achieved by NABARD under With over 8% of the population sent to 20 States for implementation. Rural Infrastructure Development comprising tribals largely dependent Training has been imparted to Fund (RIDF) by disbursing Rs.14,970 on forests, livestock and agriculture, nearly 3.5 lakh personnel from the crore during 2011-12. NABARD found a holistic approach by STCCS in business development and addressing production, processing and profitability, change management, Watershed Development marketing of the produce with WADI CAS/MIS and other relevant areas. In a comprehensive effort to as the core of the programme. WADI enhance productivity of dry land (small orchard) was found to be an Rural Innovation Fund through conserving soil, rainwater effective tool for arresting migration of In association with Swiss Agency and irrigation, NABARD embarked tribals from their native habitat. The for Development and Cooperation on perfecting its experiments in WADI model evolved out of concerted (SDC), NABARD has constituted the

34 SEPTEMBER 2012 “NABARD SDC Rural Innovation channelizing agency for release of improve production systems, improve Fund (RIF)” to support innovative margin money and interest subsidy the value chain and strengthen the projects in Farm, Non-Farm and assistance under the Comprehensive marketing capabilities. Around 1846 Micro-Finance Sectors leading to Package for the Handloom Sector PACS have been promoted/supported creation of livelihood opportunities to all banks. In addition to the as Multi Service Providers directly for the poor. Government and Non- above, NABARD has already been befitting the farmers/members of Government Institutions, corporate implementing 16 subsidy Schemes. PACS. bodies, financial institutions and Besides this, an amount of Rs.486.55 individuals can avail funding support crore has been released as subsidy to Special Scheme for for activities involved in development various banks. Warehouse Projects of new products, processes, For the first time, a special allocation prototypes, technology etc. In the Direct Lending to of Rs.2,000 crore was made to year, 2011-12, 80 innovative projects Cooperative Banks NABARD for warehouse financing were sanctioned and an amount of The implementation of Revival under RIDF by the Finance Minister Rs.10.18 crore has been disbursed. Package as per Vaidyanathan in the Union Budget for 2011-12.. State Committee recommendations has Governments availed of Rs. 1,240 enabled CCBs to raise financial crore and banks availed of refinance NABARD Consultancy resources from sources other than the to the extent of Rs. 760 crore. This is Services (NABCONS) State Cooperative Bank. NABARD has expected to create around 9 million NABCONS is a wholly owned metric tonnes of warehousing subsidiary of NABARD, which infrastructure, particularly has established itself as a for storage of food grains in dependable and professional the country. consultancy services provider in agriculture and Promotional allied activities. During the Activities financial year 2011-12 and During 2011-12, NABARD earned revenue income of released Rs. 232.57 lakh of Rs. 20.27 crore. It helped to grant support for conducting promote private investment 520 marketing events like and financing in commercial Exhibitions and Melas for agricultural projects by rural artisans. Further, preparation of detailed during the year, 9,852 rural project reports, techno entrepreneur development economic feasibility reports and designed a Short Term Multipurpose programmes were supported, appraisal studies. Under the India Credit Product for financing directly benefiting rural youth and involving Africa Summit Forum, NABCONS has to CCBs. Under this line of credit release of grant assistance of Rs. been entrusted with the responsibility Rs.1,547 crore of loan has been 1,309 lakh, bringing the cumulative of establishing the Indo-African sanctioned to 24 CCBs and 2 SCBs and grant assistance to Rs.96.45 crore, Institute of Agriculture and Rural Rs.937.74 crore has been disbursed for conducting 27,711 such training Development in Africa. during 2011-12. programmes covering 6,92,775 rural youth. Also, 56 Rural Marts were Schemes and Revival Direct Lending established with financial assistance Packages implemented by to Producers’ released from NABARD. NABARD Organisations (POs) Apart from this, 50 Rural Haats A ‘Revival, Reform and Restructuring During 2011-12, an initiative to support were sanctioned grant assistance of Package’ of Rs. 3,884 crore for the Producers’ Organisation through Rs. 248.50 lakh during the year, six Handloom Sector to benefit 15,000 credit and credit-plus activities and participatory clusters were approved Weaver Societies and 3 lakh Weavers also strengthen PACS to provide multi with a grant assistance of Rs. 90 lakh. across the country was finalized service activities to farmers has been Sector wise, nearly 50% of the clusters by the Union Textile ministry launched by NABARD. During the are in the Handloom sector while during 2011-12. NABARD has been year Rs.35.49 crore of assistance has Handicrafts have 41 clusters and the authorized to implement the package. been sanctioned and Rs.7.43 crore new areas brought under the cluster In addition, the Central Government has been disbursed to enable various are rural tourism, food processing also nominated NABARD as the type of Producers’ Organisations to and marketing. ■

SEPTEMBER 2012 35 Maharashtra Ahead

Milking the Prosperity In 2011- 12 Gokul’s recorded average collection of milk is 6.24 lakh liters per day Gokul has introduced various innovative programmes in the district such as ‘Gokul Gram Vikas Yojana’ and ‘Purebred Cow and Calf Rearing Scheme’ making it an ideal co-operative agency not only in the Maharashtra but of the country.

he Kolhapur District units at Navi Mumbai and Co-operative Milk Pune. Tproducers Union Gokul had bagged IS/ Ltd (Gokul) is one of the ISO 9001: 2008 and IS/ISO topmost and successful 22000: 2005 certification, milk producing union it has export license from of the country. Gokul Export Council of India has always maintained and the Union has exported quality and purity of its butter and milk powder to milk products. It has Gulf Nations and European enabled to create brand Countries.’ value and brand loyalty among their consumers. Salient Features In order to enhance of Gokul the milk production in the district Shirgaon having capacity of handling • Winner of 14 National Productivity and quality of cattle by developing 2 lakh liters milk per day and Second Awards. the rural economy, Gokul has at Gadhinglaj with capacity of 75,050 • Rearing of Purebred Cow and Calf introduced various innovative liters of milk per day and Bidri Rearing Scheme was implemented programmes in the district such with capacity of 50,000 liters of milk at the farmer’s doorstep. as ‘Gokul Gram Vikas Yojana’ and per day. • Highest paid up capital in the ‘Purebred Cow and Calf Rearing In the third stage of ‘Operation Co-operative milk producing union. Scheme’ making it an ideal co- Flood Programme-3’ two new chilling • Payment within 10 days and operative agency not only in the centers were set up at Gogave and disbursing Rs.51 crore monthly as a Maharashtra but of the country. Taavarewadi. In 1992, Gokul raised payment to the milk producers. the capacity of cattle feeding factory • Unique Gokul Gram Vikas Yojana, a History Of Gokul from 100 metric tonnes to 200 metric comprehensive Community Develo- The Gokul Dudh Sangh was estab- tonnes per day. In 1985, with the pment Programme. lished on 16th March 1963. It made a efforts of NDDB Government Milk • Provident Fund Scheme implemented moderate beginning by collecting 500 Scheme was transferred to Gokul for Milk Producers. liters of milk per day from different when it was collecting 1,14,836 liters • Scholarships for wrestlers whose 22 milk producing societies. Year milk per day from 676 Milk Producer parents are milk producers. 1978 proved landmark year for Gokul Societies. • Gokul Shree Award for buffalo and when National Dairy Development In 2011-12 Gokul’s recorded cow producing maximum milk in a Board (NDDB) selected Gokul for average collection of milk is 6.24 single day. ‘Operation Flood Programme’. With lakh liters per day. In flush Season • Established 1500 Women Self-Help the help of fundings by NDBB, Gokul it reaches to the mark of 8 lakh liters Groups with total paid up capital set up 3 chilling centres respectively at per day. Gokul has its own packaging of Rs.5 crore and turnover of Rs.15

36 SEPTEMBER 2012 crore. Special grant to milk institutes and milk producers to increase milk production. • Gokul has hugely contributed to socio-economic and dairy develop- ment of the district.

Structure of Organization Gokul has developed strong network of the Primary Milk Producer’s Societies which spreads the cooper- ative movement at village level.

Milk Collection and Marketing Proper marketing strategy of Gokul helps to secure a definite market for milk producers. Now, Milk producing union is able to sell 7 lakhs liter milk per day in Mumbai, Pune, Kolhapur, Konkan Region and Goa.

Animal Husbandry Service Gokul Milk Union provides health care services to the cattle through 40 mobile veterinary clinics with a team of 56 qualified and experienced veterinarians round the clock at nominal rate. This helps to reduce cost of medical expenses incurred on the animals. Calf Rearing Scheme This ambitious scheme was launched on October 1, 2005. The objective of this scheme Insemination Services is to rear upgraded and crossbred calves which in near future would certainly fetch sus- tainable long term milk production enhancement To increase the number of purebred Till today, total 1.60 lakh female calves have been registered under the scheme and in variety and productivity of the future 1.36 calves will be able to come under milk production and livestock of Rs. 544 animals, union has introduced the crore is created in the Kolhapur district. This will help in increasing milk production and programme of artificial insemination income of milk producers. services. This programme is implemented through the 425 centers MTs) to produce the quality food at families as well as for their cattle are by well trained persons. low cost. also implemented. To provide practical knowledge Fodder Development Animal Husbandry to the rural milk producers, Gokul To make available nutritious fodder, In order to increase milk production runs three micro training centers the union is providing high quality in the district, animal productivity in district. One day workshops are fodder of reputed companies, seeds and productive life of dairy animals, organized for milk producers to for fodder production at subsidized the union implements de-worming give them latest info on rearing rates to the milk producers. Gokul programme, collective and free animals. From October 2009 till has demonstrated how quality vaccinization programme, farmers March 2012 32,000 milk producers fodder can be actually produced on insurance package jointly with have availed the benefit of this plots. Union has set up two cattle Oriental Insurance Company, training. ■ food plants (capacity of 200 and 300 insurance schemes for farmer’s - Arun Narke

SEPTEMBER 2012 37 Maharashtra Ahead Warna: Epitome of Cooperative Movement Warana Cooperative movement has set a benchmark in the field of Agro Industry Tatyasaheb Kore established the Warana Sahakari Bank Ltd. to provide loan at low Interest rate to the financially weaker sections of the society and free them from the clutches of moneylenders.

he visionary Tatyasaheb Kore, moments of joy in the life of only 20% not privileged for goods which are dreamt of green and white Sugarcane farmers. But Tatyasaheb value for money and services of polite Trevolution for the overall Kore was concerned about remaining salespersons were able to purchase development of Warana region. He 80% who were marginal farmers and goods by actually handling them. sowed the seeds of industrialization landless labourers. So, Tatyasaheb To promote educational activities in which is not only serving the populace Kore had introduced the projects like Warananagar, Shree Warana Vibhag of Maharashtra but exporting dairy poultry farming, Co-operative Dairy Shikshan Mandal, was established by and sugar products abroad. Warana Project at Warana. Tatyasaheb himself. Cooperative movement has set In 1966, Tatyasaheb Kore The Establishment of Warana a benchmark in the field of Agro established the Warana Sahakari Bank Sugar Co-operative factory was Industry. Ltd. to provide loan at low Interest a firm step taken by Tatyasaheb The historic Warana Sugar Co- rate to the financially weaker sections Kore. He believed in Social welfare operative Factory was started at the of the society and free them from the and development. Dam and Lift hands of the first Chief Minister of clutches of moneylenders. Alongwith Irrigation Schemes on Warana River, Maharashtra Yashwantrao Chavan on Co-operative Banks, he started the Mahatma Gandhi Hospital, Satkarya 1st November 1969. This step brought Warana Bazar. The villagers who were Sanwardhan Mandal, Sharada Vachan

38 SEPTEMBER 2012 Mandir, Warana Vyayam Mandal and bagged ‘Star Export House’ standard Warna Bank World famous Children’s Orchestra from Government of India, Koshar Established in 1966, the Warana were examples of Tatyasaheb Kore’s Certification for direct sugar export Sahakari Bank Ltd. is a primary co- vision. Vilasrao Kore followed the in European Countries and Halal operative bank with 28 branches now footsteps of his father and Savitri Certification direct sugar export in mostly in the rural areas. All of them Akka Kore initiated work of women Countries where Muslim population are computerized and connected with empowerment in the region which is in majority. You can visit to its each other by adopting core banking is rightly being followed up by Mrs. website at www.warnasugar.com solution. The deposits with this bank Shobha Kore. have now reached Rs. 515 crore and Vinay Kore, Member of Assembly, Warna Bazar business of more than Rs.580 crore. has propelled the globally renowned The Warana Bazar is the first super brand ‘Warana’, qualitatively and bazaar in the rural India. Registered Warna Bhagini Mandal quantitatively. Warana Sugar Co- as Shree Warana Vibhag Sahakari Warana Bhagini Mandal, registered as operative Factory was started with Grahak Mandal Limited, the Warana a trust provides gainful employment crushing capacity of 1000 tonnes in Bazar started its operations in 1978. It to hundreds of ladies in various trades. 1959. This crushing capacity had been has now two big departmental stores, A notable programme undertaken increased from 1000 to 2000 tonnes 57 branches and three franchisee. by this trust is of providing training in 1969-70, 2000 to 2500 tonnes in With 555 employees, this year the to girls who have failed in their SSC 1979, 2500 to 3000 tonnes in 1981-82, annual sales are likely to cross Examination. In such a situation, the 3000 to 4000 tonnes in 1989-90, Rs. 132 crore. This Consumer Co- parents immediately opt for girl’s 4000 to 5000 in 1998 and capacity operative has proved to be a grand marriage. Here, the Bhagini Mandal increased from 5000 to 7500 tonnes success because of several innovative gives them training of a very short in 2003-04. Currently the factory has ideas put into action. The number of duration in several trades enabling crushing capacity of 9000 tonnes. shareholder-members is a little over them to become self employed and The biggest cogeneration power 20 thousand out of which about 80 making them confident to face the life. plant in the cooperative sector of the per cent are women. This co-operative country , which has capacity of 44 makes consumers aware in the matter Warna Milk MW, paper factory, sugar refinery, of spurious goods. They get goods Warana Dairy which is registered distillery, compressed biogas (CNG) cheaper at the Warana Bazar than as a co-operative society by the which is based on German Technology, anywhere else. With the advent of name Shree Warana Sahakari Dudh Lignosulphonate Project, Warana the mall culture, the consumer co- Utpadak Prakriya Sangh Limited. It Jute, Bio Earth project, Soil Testing operatives in the metropolitan areas daily collects about seven lakh litres Center, Varmiculture Project are the are crumbling down while Warana of milk. It sells milk and various milk few feathers in the cap of the brand Bazar is growing up from strength to products and also exports the same ‘Warana’ . Five sick sugar factories strength. In the States of Maharashtra, Cadbury gets some of their products were taken up by the ‘Warana Sugar’ Karnataka and Goa, the Warana Bazar manufactured here. Thus, Warana is and has given impetus to the progress is taken as the model consumer co- one of the major players in the Indian of the area. operative. The consumer co-operative dairy sector. Its products are fruit The first wired village in Asia movement in these States gets active pulp, shrikhand, butter, lassi, chaas, ‘Warana Wired Village’, 20,000 acre help from the Warana Bazar. A notable dahi, ghee, cheese, paneer, fruit land was irrigated with the help of 67 feature of the Warana Bazar is that it jam, flavoured milk, milk powder, Lift Irrigation Schemes on Cooperative felicitates the mothers in the vicinity tetra pack cane juice, etc. It has basis, construction of 4 dams from the of Warananagar who give birth to a received Export House status from sugar factory funds are the few pride girl child. This is a humble effort to Government of India. ■ works done by brand ‘Warana’. It has arrest the dwindling sex ratio. - Jeevankumar Shinde

SEPTEMBER 2012 39 Maharashtra Ahead Master Key to Cooperation The bank has played a role as ‘a friend in need....’ to its needy members Shikshak Sahakari Bank is the first bank to bag the prestigious class of Scheduled Bank in just 20 years. In the year 1999-2000 the bank was on 20th rank in the country and 1st in Vidarbha region in terms of deposits. school teacher who took loan measures initiated by the Reserve was organized to give stability to the of Rs. 675 from a private Bank for prudent health of the banks bank on 12thJuly 2007 which fetched Amoneylender could not repay did cause some difficulty to the bank Rs. 1.50 crores as share capital. it in six months and the moneylender to maintain NPA provision in lieu of The bank initiated drive to collect barged in the school and insulted the loans given by the bank and the long term deposits scheme SSB the teacher. Not withstanding balance sheet of the banks posted Sahbhag from 13th February to the humiliation the teacher later loss but the dignity was salvaged after 31st March 2009 with permission of committed suicide. The incident recovery of loans on war footing. the Reserve Bank and Department shook the entire teaching fraternity The rumor mongers struck the of Cooperation and collected and few teachers from Nagpur came bank in a very willful way on 11 Rs. 19.15 crore against the target of together and resolved to set up a bank. August 2006 and total Rs.14000 Rs. 20 crore. It was the first of its Annaji Mendjoge appointed to lead crore deposits were withdrawn but kind drive in Vidarbha region. the initiative as Chief Promoter. The due to big brotherly and timely help The bank is offering RTGS/NEFT capital was raised with contributions facilities and competitive interest to from teaching and non-teaching staff its customers. and the bank started functioning To cater self-help group ‘SSB from January 1, 1979 with a firm Swayamsiddha’ scheme is being resolve to work only for the teaching offered and for extending credit fraternity. facilities to the people form lower But soon the banks started catering income group ‘SSB Adhar’ scheme to all and in 1987 the bank started The turnover of the bank in year 2011- is run by the bank. There are also offering commercial loans. Then 12 is Rs. 1200 crores & the recovery of many schemes catering to different another milestone was set to achieve loan is pegged at Rs. 13 crores. It was sections of the society like- ‘SSB target of Rs. 100 crore deposits to bag a result of the combined efforts of Suvidha’ for educational loan, ‘SSB the title of ‘Scheduled Bank’. The feat management & staff of the bank be- Sarathi’ for Salaried class, ‘SSB Sathi’ cause of which the bank has a healthy was achieved on 22nd May 1999! Now balance sheet. The bank posted for pensioners, ‘SSB Sahayog’ for the bank is having 19 branches in the net profit of Rs. 16.04 crore & it pigmy depositors, ‘SSB Bhu Swami’ Nagpur and Chandrapur districts and is expected that in the year 2012- for purchase of plots and ‘SSB Sobti’ the target area of the banks comprises 13 the deposits with the bank will for credit facilities for the creditors of Nagpur, Chandrapur, Gadchiroli, be Rs. 750 crore & the loans will be the bank. Rs. 525 crore. Bhandara, Yavatmal and Wardha The turnover of the bank in year districts. 2011-12 is Rs. 1200 crore and the The bank extended credit facilities of the Maharashtra State Cooperative recovery of loan is pegged at Rs. 13 to numerous units in small scale Bank and the undeterred resolve of crore. It was a result of the combined and cottage industries, transport, the board of directors, management efforts of management and staff of self-employment, small artisans and and staff of the bank cleared the the bank because of which the bank traders, employees and marginal rumors and reinfused the confidence has a healthy balance sheet. The bank sections of the society. The bank among the depositors. posted the net profit of Rs. 16.04 crore is helping small business by way From 23 September to 2nd and it is expected that in the year of giving loans and is doing its bit October 2006 a special initiative 2012-13 the deposits with the bank in alleviating economically weaker called ‘Sahakar Vishwas Parv’ was will be Rs. 750 crore and the loans sections of the society. The bank has launched by the bank and attracted will be Rs. 525 crore. Let us hope that played a role as ‘a friend in need....’ 10,000 new accounts. The incident the bank will achieve more feats in to its needy members in the time clearly demonstrated the faith of the future. ■ of natural calamity. The stringent people on the bank. Another drive - Pradeep Dikshit

40 SEPTEMBER 2012 Banking with Social Responsibility The bank, started with a share capital of Rs. Two lakh now have share capital of Rs. 7596.56 lakh

The web of banking and credit facilities created by the bank helped in increase in crop production alleviating the economic condition of the famers in the region. The helping nature of Primary Agricultural Credit Societies created a warm relationship between the societies and the farmers Says CEO, Ankushrao Nalawade

he Satara District Cooperative surrender themselves to the willy The Satara District Cooperative Bank Bank, which was founded by moneylenders for loans. has been honored by national award TLate Yashwantrao Chavan, the The bank, once started with a share for Best Performance from NABARD architect of modern Maharashtra; capital of Rs. Two lakh now having for 6 consecutive years. Late Vaikunth Mehta Best District Cooperative Bank is parenting institute of about 6000 share capital of Rs. 7596.56 lakh as award constituted by the Maharashtra Cooperative Societies in the district on the 31st March 2012. The deposits State Banks Association was fetched and is on the verge of celebrating which were Rs. 8.72 lakh in the first by the bank continuously for 9 years. its diamond jubilee. The bank was financial year of the bank has now The bank had its sleeves ‘ISO 9001- started on 11th November 1950 with rose to Rs. 289434.37 lakh. The loan 2008’ gradation for best services. Banking Frontier, Mumbai, which is a sole aim to empower the famers advances which was Rs. 6 lakh in the working in the banking sector, has by extending credit facility on low first year is now Rs. 193530.22 lakh. awarded the banks for 4 times interest so that they will not have to The bank posted Rs.6784 lakh net

SEPTEMBER 2012 41 Maharashtra Ahead

profit before tax and Rs.1600 lakh net A high-tech department, inspired by core banking facility will be introduced profit after tax on 31st March 2012. It technological upgradation done in Israel soon and facilities like RTGS/Voice/ has membership of 2771 and the loan had set up by the bank to finance and Net Banking/ Telephone Banking/ recovery is 100%. extend consultancy services for project of ATM/SMA Banking will be making Green House, development of wasteland The bank has 257 branches and and Agro engineering. The idea to fund available for all the stakeholders. 23 extension counters in the 11 Green House project was suggested by tehsils of the district and a strong farmers in a farmers gathering organized Kisan Credit Card workforce of 1557 officers and other by the bank to disseminate technical Those farmers who repay their loan staff. Because of the sound financial knowhow. The idea was adopted by the within the stipulated period will get board of directors of the bank and then position the bank is accorded ‘A’ onwards financing was started for these new loan upto Rs. 1 lakh on zero class in the audit and the NABARD projects. Now Satara district is famous for interest rate according to the policy has always conferred ‘A’ rating in its its ‘Green Houses’. of the Central and State Government. inspection. Those who have taken loans up to Rs.3 The web of banking and credit Social Responsibility lakh repay their loan within stipulated facilities created by the bank had of the Bank period will get another loan of Rs. 3 helped in increase in crop production • Formation of self-help groups lakh at zero percent interest. Those which alleviated the economic • Formation of ‘Shetkari Mandal’ (Farm- who repay their short term or long condition of the famers in the region. ers Board) term loan in time will get 10% rebate The Cooperative Water Supply • Formation of an Farmers Association on the interest on the due installment Societies funded by the bank had been -Vichar Manch for the current year. • Formation of Ajinkyatara Fruits, Flow- able to irrigate thousands of acres of ers, Vegetables Co-operative Society There are 2,20,000 creditors land. The effective implementation of • Loan for water supply for Grapes who are repaying their loan on time various welfare schemes and helping gardens in scarcity areas and the bank is offering them and nature of Multipurpose Cooperative • Financial assistance to control White their families a free mediclaim cover Societies in rural areas created a warm Wolly Aphid upto Rs. 50,000 under the Farmers • Financial assistance for fodder depots relationship with the farmers. in scarcity areas Group Insurance Scheme. 14,104 The scale of finance is fixed by • Blood donation persons availed benefit of this scheme taking into account the cost of the • Financial assistance for natural disas- and Rs. 1054.18 lakh have been spent. production of the various crops. To ter and Kargil war The Kisan credit card holder will minimize the hassles of obtaining get Personal Accident cover upto loans, use of Kisan Credit cards principle of social duty with economic Rs. 50,000. is being encouraged by the bank. prosperity. The permanent student residents Membership had been given to the of the district will be given interest maximum farmers of the districts Bachat Gat Gram free loan upto three years for persuing so that they can avail the fruits of For empowering women, the bank higher education. The scheme of the Cooperative Movement. The has initiated a special drive to open concession in interest scheme is also bank has made changes in its rule savings accounts of women by implemented for working members of to extend credit to the farmers to reaching door to door in the district the Gramudyog Board. cultivate strawberry, which has a under the concept of Bachat Gat high production cost. Now besides Gram. The bank is helping 15,000 Special Scheme Mahabaleshwar, which is famous for women self help groups formed on As a social responsibility under the Strawberry cultivation, other parts the cooperative basis by making them Farmers Group Medical Insurance of the district are also started taking available vocational training and the bank has taken out mediclaim the crop and now the district is being finance at the 4% rate of interest. policy for farmers of the district. called ‘Strawberry District’. The The scientific training is being Under the scheme the member who sugar co-operatives took initiatives imparted to the farmers for apprising has taken loan and his wife or one to set up water upliftment and water them the new techniques of fruit crops family member have been covered for Users Association. This helped to and is helping in implementation of mediclaim of upto Rs.50,000. Under bring green revolution and extending schemes of National Horticultural the scheme so far, 14,104 members sugarcane area in turn helping to Mission and National Horticulture have claimed Rs.1054.18 lakh. solve sugarcane problem being faced Board in the district. Also, Under the Kisan Credit Card by sugar factories. Dry lands became The system of doorstep banking Scheme, the eligible loanee members green. The Sugar Co-operatives have is introduced by the bank for its have been given cover of Rs.50,000 large share in the progress of this depositors and members and all the under Personal Accident Insurance bank. The bank is working on the branches have been computerized. The Scheme. ■

42 SEPTEMBER 2012 Maharashtra Ahead Vasantdada Sugar Institute: Setting the High Standards The institution provides education for know-how of sugar factory Vasantdada Sugar Institute is a tribute to Vasantdada Patil for his immense contribution in the field of sugar cooperative. His vision led to the development of an organization that was to symbolize a unique partnership between the Sugar Industry, the scientific community and the sugarcane growers

asantdada Sugar Institute (VSI) formerly known as Deccan VSugar Institute is famous for developing quality series of sugarcane varieties and was established in 1975 by sugarcane grower farmers under the leadership of the then Chief Minister of Maharashtra late. Vasantdada Patil. Deccan Sugar Institute was renamed in 1989 as the Vasantdada Sugar Institute (VSI) as a tribute to Vasantdada Patil for his immense contribution in the field of sugar cooperative. His vision led to the development of an organization that was to symbolize a unique partnership Fermentation Technology, Sugar University of Pune, Shivaji University between the Sugar Industry, the Engineering, Environmental Science, (Kolhapur). University of Pune has scientific community and the Sugar Manufacturing certificate, affiliated courses of Environmental sugarcane growers. The institution Sugar Boiling certificate, Juice Science and Wine Technology. The has introduced programmes to Supervision Diploma, Computer and management of the institution and provide education for know-how Microprocessor and Instrumentation. factory has maintained balanced of sugar factory and business of its Special need-based programmes relationship. Continues upgradation related bi-product, introducing good are being arranged at the request of of educational courses enables VSI agricultural practices to farmers and patrons. to meet international standards. imparting knowledge about sugarcane Thousands of professionals from Students from all over Asia and development, is set to provide its India and abroad have so far been Africa come here for an education. consultancy to sugarcane cultivators bestowed with VSI diplomas and Large number of students from from other States as well. Perhaps it certificates. Beside this VSI organizes Maharashtra, Gujarat, Tamil Nadu, is the only organization of its kind in various short term workshops, Special Karnataka, Haryana and Uttar the World. training workshop, and ‘Gyanyog’ Pradesh get the training in pan Boiling, It offers a large amount of academic workshop for farmers and ‘Gyan Juice Clarification, Boiler Attendant, programmes both short-term and Lakshmi training camp’ for female Distillery Operators, Repair and long-term designed to upgrade and farmers. Maintenance of instruments, improve the skills of Sugar Industry, The institute is recognized as a Analytical Instrumentation and human resources. These comprise Center of Research for undertaking Process Chemicals. ■ Sugar Technology, Alcohol and studies leading to Ph.D. degrees of - Shivajirao Deshmukh

SEPTEMBER 2012 43 Maharashtra Ahead Cooperators’ Academia The need was felt to establish a national level institute for research in business and management of Co-operative Societies The VAMNICOM besides training and research, organizes short and long term courses for officers and office bearers working in the field of Cooperation and Rural Development to widen their horizon

research, organizes short and long term courses for officers and office bearers of the organization working in the field of Cooperation and Rural Development to widen their horizon. Seminar, workshops are being conducted and consultancy services are offered by the institute.

Activities of the Institution • The institute conducts short and long duration training programmes to improve the decision making skills and administrative competence of officials engaged in the co-operative sector. • Conducting the Post Graduate Diploma in Co-operative Management with specialization in Agri- Business Management and Post Graduate Diploma in Co- operative Business Management (PGDCBM), Programmes. n the year 1964 a high powered (VAMNICOM) after Vaikunth Mehta • To carry out applied research committee appointed by who was doyen of the Cooperative and disseminate the information Ithe Government under the movement. through publications in addition to Chairmanship of the economist and This institute besides training and library retrieval and documentation thinker Prof. Dhananjayrao Gadgil services. felt that there was need to establish • Assist organizations in solving their a national level institute for research management problems by providing in business and management of consultancy services. Cooperative Societies. Central • Participate in and contribute to Institute of Management for the formulation of policy for co- Consumer’s Business (CIMCOB) and operatives. National Cooperative College and • Collaborate with other institutions Research Institute (NCCRI) were in India and abroad to further merged to form National Institute its objectives. The institute has for Cooperative Training on 15th 5 centers from which education, July 1967 which was renamed as training, research and consultancy ‘Vaikunth Mehta National Institute works are undertaken. ■ of Cooperative Management - Dr. M. R. Joshi

44 SEPTEMBER 2012 CVKSSS Joining Hand for Prosperity Chikhalthan Vividh Karyakari Seva Sahakari Sanstha built ware houses for fertilizers The innovative and successive programmes undertaken by the Cooperative Society in small village like Chikhalthan has put example in front of others. The commitment on the principals of Cooperation has transformed the Chikhalthan village.

hikhalthan is a picturesque helped by supplying seeds, chemical 606 members in year 1990. Now village, situated at Kannad fertilizers, pesticides and pipes etc the number has reached to 1274. Ctehsil of Aurangabad district in and started selling products of seeds Chikhalthan village has 1285 farmers’ Marathwada region. The population and fertilizers of IFFCO, KRIBHCO, accounts out of which 1274 with the of 6000 are largely dependent on and Maharashtra State Agricultural society. agriculture.‘Chikhalthan Vividh Development Corporation Ltd. in the Chikhalthan village have total 2000 Karyakari Seva Sahakari Sanstha’ village. The society also built ware acre of farming land. Cotton, corns (Chikhalthan Multipurpose houses. and sugarcane are the primary and Cooperative Development Services turmeric, ginger and other vegetables Society) has extended support to the The crisis are secondary crops. Farmers used farmers in the village. Like any other co-operative institution to avail short term loan to finance Chikalthan Vividh Karyakari CKVSSS has also gone through a their business and if they don’t get Seva Sahakari Sanstha (CVKSSS) financial crisis. During 2002-07 the timely credit then the economy of implemented various programmes successive drought hampered the the farming goes haywire. The loan to support the agro business by new agro production and resulted less repayment also rests on the market ideas and professionalism. The loan recovery. The profit became zero. rate of the agricultural produce. society made available crop loan Other businesses also slowed down. Considering all these problems, to the farmers and also There was need to garner support the Government decided to make from the members to keep alive the available crop loans at 6 % interest society. CKVSSS had rate. The CKVSSS supplied loans to the farmers according to the norms of the Co-operative

SEPTEMBER 2012 45 Maharashtra Ahead departments and at the same time by the farmers. By considering all the steady source of income to the society. also took efforts for timely recovery problems CVKSSS had built its first The loans extended by the society of loans. The society also effectively warehouse for fertilizer with capacity for dairy business transform the implemented the Crop Incentive of 400 metric tonnes in 1986 and village and now the village which has Scheme and worked hard to give another warehouse in 1990. The capacity of collecting only 500 liters of benefit of the scheme to the farmers. Society also Stored mixed fertilizers milk is now collecting 4000 liters per needed by the farmers and provided it day. This extra income by the dairy Towards profit to the farmers. Due to efficient working business changed the life style of the Despite pending loan recovery of Rs. of the society the Central Government people. CVKSSS has started Ration 3.25 crore the society was able to owned KRIBHCO Company accorded shop to provide rationing goods at very extend crop credit of Rs. 4.03 crore the status of ‘Adopted Cooperative concessional rate, built and rented 6 in year 2011-12 to 991 farmers. At Society’. shops. The society also constructed the same time institution has earned Soil testing camps is being its own office in two storey building. Rs.3.34 lakhs from its other non- organized on annual basis by the It also purchased land of 4500 square agricultural business. The small profit society with the help of KRIBHCO feet for future projects. Chikhalthan is also commendable given the fact and IFFCO. Vividh Karyakari Sahakari Sanstha that the cooperative society is not The scheme of renting water pipes has become ideal institution. It has meant for profiteering. is very popular among villagers. 20 set a benchmark in the cooperative Shortage of seeds and fertilizers feet long pipe for Rs.2 per day is the movement in Marathwada region. ■ are the most common problems faced rent for the pipes. The scheme is - Kiran Wagh

Dhananjayrao Gadgil Institute of Cooperative Management

Dhananjayrao Gadgil Institute of Co-operative The National Co-operative Union of India is an apex co- Management, Nagpur was established in the year operative organization representing the entire Indian 1972, to cater to the training requirement of personnel co-operative movement. The courses conducted by working in co-operative organizations the institutes with a objective and co-operative department of Maharashtra. The institute has been a)  To impart quality training which are given the name after the name of not only add to people’s knowledge, foremost researcher and economists skills, but also to bring change in the who contributed towards the forming of their Attitudes towards work. economic plans of India. He played a key b)  Emphasis on Value Based role in the development of co-operative Management. movement in Maharashtra. His work c)   Take up practical Research Project and and contribution in the areas of long consultancy service to strengthen term economic research and planning the movement further. in the development of co-operatives in Maharashtra is Institution organized core programmes of 6 months regarded as fundamental. The National level Institute duration, Diploma programmes of 3 months, one, two named as VAMNICOM, five Regional Institutes of Co- or three days term need based programmes along operative Management and fourteen Institutes of Co- with Workshop and Seminar. The Institute also stared operative Management are functioning all over the an MBA Course in 2009 with a aim to avail trained and country under the administrative umbrella of National professional officers for banks and institutions working Council for Co-operative Training (NCUI), New Delhi. in co-operative sector. Presently there are total 60 seats It is fully grant in organization of Government of India, for this Course and it has also recognized by the AICTE Ministry of Agriculture and Cooperation, New Delhi. and Rashtrasant Tukadoji Maharaj Nagpur University.■

46 SEPTEMBER 2012 Maharashtra Ahead Vilasrao Deshmukh A Man With Panache He was known to be cool and was never seen losing his temper

Vilasrao Deshmukh’s leadership work helped him connect with the rural people, especially the youth. He is credited for empowering Zilla Panchayats and strengthening of Panchayati Raj System.

he life of the late Vilasrao Deshmukh cannot be said graduation in science, he worked as a demonstrator in to be meteoric, given his gradual rise in politics and a college in Pune, to demonstrate to the students how This comeback to the Congress to become the Chief to conduct experiments in a laboratory. Later, he took Minister of Maharashtra. a degree in arts and went on to obtain a degree in law. Vilasrao Deshmukh’s life reminds one of the William Vilasrao Deshmukh also practiced law for a while, but Shakespeare’s famous lines from As You Like It, “All the he was introduced to politics through the student and world’s a stage, and all the men and women merely players. youth wing of Congress. He had played an active role in They have their exits and their entrances.” His exits and the Youth Congress and in 1974, he was elected to the his entries have always taken people by surprise. Having Babhalgaon Gram Panchayat. He continued to be a Gram been expelled from the Congress in 1995, he surprised Panchayat member from 1974 to 1980, during the same everybody by becoming the Chief Minister of Maharashtra period he was the Deputy Chairperson of the Latur Zilla of the Congress-NCP alliance. The sudden deterioration of Panchayat Samiti. He was the Babhalgaon Sarpanch from his health and his demise at the time when his party and 1974 to 1976. his followers, looked forward to a longer innings and more Deshmukh rose up the ranks in politics, step-by-step, contribution from him in public life, came as a shock. though his steps were more of long strides. Before his rise From a shy student, without good oratory, as recalled to be the Chief Minister of Maharashtra, Deshmukh had by his law college teacher, Prof K R Shaha, Vilasrao went made his foundation strong for a good political career. on to capture Maharashtra by his oratory, which was As the General Secretary of the Dushkal Nivaran Samiti, spiced with a great sense of humour and good command he supervised the distribution of seeds and subsidies to the over the language. Whether on a public platform or labourers. This gave him an opportunity to interact with in the Maharashtra Legislature, he would never lose the poorest of the poor and to understand their problems. an opportunity to have a dig at his political rivals or In 1975, he became a member of the Agricultural Produce his detractors within his party. Yet, he did this with Marketing Committee. While working on the committee, parliamentary decorum and dignity. Vilasrao, refrained he enhanced his knowledge of agriculture in the State, in from personal attack on his political rivals and would not terms of types of crops, the time of different crop and the hit below the belt. His friendly nature, his sense of humour economies of agriculture. and his faith in dialogue to resolve issue, helped him have He became the Osmanabad District Youth Congress a great rapport with his rivals and detractors. A case in President in 1975 and continued to hold that post till 1978. point is that of his equation with social activist Anna This was the time that he befriended Ulhas Pawar, who Hazare. Such was his equation with Anna Hazare that he was then the State Youth Congress President and their was sent as the Government’s emissary to speak to Hazare friendship continued till Vilasrao Deshmukh’s demise. during his fast in New Delhi, in support of his demand for His leadership of the Youth Congress in Osmanabad passing the Lokpal Bill in the Parliament. At a time when involved not only bringing the youth together, but also the opposition was leveling charges of corruption and implementation of the 5-Point Programme of the Youth misuse of office against Deshmukh, Hazare even refrained Congress. This work helped him connect with the rural from criticising Vilasrao during the former’s visit and people, especially the youth. Deshmukh is credited public speech in Latur after the fast. for empowering Zilla Panchayats and strengthening of Though politics became his passion, he probably had Panchayati Raj System. He got married in 1975. different interests in his younger days. After doing his Impressed by his work as the Osmanabad District Youth

SEPTEMBER 2012 47 Maharashtra Ahead

Congress President, he was given a At the time of his first term as the ticket to contest the State Assembly Chief Minister, the State was going elections from Latur in 1980 and was through a financial crisis. He used elected to the State Legislature. He his diplomacy with the Government repeated his victory in 1985 and 1990, employees and convinced them that but had to face a shocking defeat in the State was not in a position to pay the 1995 elections. them a bonus. He assured them that Within two years of his entry into the Government would give them the State Legislature, Deshmukh was a bonus on the improvement of its made a Minister of State by Chief financial position and honoured the Minister Babasaheb Bhosale. Between commitment the following year. 1982 and 1995, he held the portfolios He took several good decisions as of Agriculture, Rural Development, the Chief Minister. Understanding Education, Sports, and Youth the plight of the textile mill workers Welfare, Home and GAD, Education, of Mumbai, he announced that the Technical Education, Co-operation, mill owners will have to surrender Revenue, Public Works Department, one-third of their land for housing Transport and Parliamentary Affairs of the mill workers. He announced a as a Minister of State. After 1990 housing policy and that the land on elections, he was elevated to the which co-operative housing societies rank of a Cabinet Minister and held are constructed would be handed over portfolios of Education, Technical to the societies. Education, Animal Husbandry, Seeing that an ordinary people Dairy Development, Fisheries and find it difficult to buy apartments in Industries Departments. Mumbai, he announced that MMRDA The defeat in the 1995 elections was would construct houses and given unpalatable for Vilasrao Deshmukh them on rent. He announced bonds and he was keen on coming back to worth Rs 25,000 crore to help sick the Legislature at the earliest; he sugar and spinning mills run on a co- contested the Legislative Council operative basis. elections as a rebel candidate. For At the National Conference of Chief this rebellious activity, the party expelled him from the Ministers held in Hyderabad in 2001, he came down heavily on party for a period of six years. With the defeat in the the various State Governments’ attitude of being soft Legislative Council elections too and his expulsion from towards small and medium industries, when it came the party, many of his detractors felt that it was the end to giving financial assistance, but failed to do so for the of Deshmukh’s political career; but that was not to be. farmers, whose plight was miserable in most States. Deshmukh was inducted back into the Congress within He was critical of the Central Government too, stating a year of his six-year expulsion and he seemed to have that the Government was skeptical while giving loans to returned with more force, more vigour and a stronger labourers, while Rs 48,000 crore of bad debts were in the voice in the party. names of 7000 industrial establishments were allowed. In This was the time when probably, the Congress needed Maharashtra, he allocated a grant of Rs 1,300 crore for the him more than he needed the party, since the Congress farmers and the agricultural sector. wanted to consolidate its position in the State, with the In 2009, he was elected to the Rajya Sabha and formation of the Nationalist Congress Party, the Congress appointed Union Minister for Heavy Industries and Public had lost part of its base and was voted out of power by Enterprises. He later held the post of Union Minister for the Shiv Sena-Congress combine. At such a time Vialsarao Rural Development. At the time of his death, he was the Deshmukh’s charisma and mass appeal were vital for Union Minister for Science and Technology. the party. Coupled with his sense of humour, his special He was known to be cool and was never seen losing his attention to his clothes and his hairstyle, added to his temper. In an informal chat with mediapersons at Varsha, his charisma. official residence, his wife said that even at home Vilasrao By displaying is loyalty to the party and his leadership was always cool and would never lose his temper. qualities, Deshmukh had won the confidence of the party to People will miss Vilasrao Deshmukh for a variety of such an extent that four years after his expulsion from the reasons, among them being his wonderful smile and his party, he was made the Chief Minister of Maharashtra. He hearty laugh. ■ became the Chief Minister for the second time in 2004. - Abhay Mokashi

48 SEPTEMBER 2012 Pioneer of Cooperative Dairy Movement He transformed India from a milk-deficient country to the world’s biggest milk producer

India recently lost the country’s greatest believer in the importance of cooperative leadership Dr. Verghese Kurien. Chandragupta Amritkar focuses on this all important person.

n September 6, Infosys of ‘white revolution’ or Operation Engineering with Dairy Engineering Chairman emeritus N R Flood-the world’s largest dairy as a minor subject from the Michigan ONarayana Murthy had said, “A development programme, Verghese State University in 1948. Upon his civilized society must show gratitude Kurien went on to transform India return to India, Dr. Kurien was when people can sense it, or it is no from a milk-deficient country to the assigned to a Government Creamery gratitude at all and if our country does world’s biggest milk producer. Under located at Anand in Gujarat to serve not stand and salute Dr Verghese his guidance India’s milk procurement his bond period. He arrived in Anand Kurien with a Bharat Ratna, I don’t increased from 20 million metric on Friday, the 13th May 1949. His only know who else deserves it.” But now tonnes per year in the 60s to 122 intention at that time was to obtain a even if the Government decides to million metric tonnes in 2011. Many release from his bond and get out of award him, he will not be there to countries replicated the Anand Model Anand as quickly as possible. At the receive it as this great man is no more and became self-reliant in milk and end of 1949, when he got release orders among mere mortals. milk processing industries. from his job from the Government Dr Kurien’s story of entry into Born on November 26, 1921 at Creamery, he was all set and eager milk and cooperative sector and his Kozhikode, Kerala, he graduated to pack off to Mumbai. Tribhuvandas Anand saga is very well documented. in Science from the Loyola College Patel, the then Chairman of Kaira He would certainly rank among the in 1940 and obtained his degree in District Co-operative Milk Producers top Indians for his contribution to Engineering from the Guindy College Union (popularly known as Amul), the betterment of lives of the farmers. of Engineering in Chennai. After a stint with whom Kurien had developed a Under his able leadership Anand at TISCO, Jamshedpur, he obtained friendship requested him to stay on in became the milk capital of the country the Government of India’s scholarship Anand for some more time and help where Gujarat Cooperative Milk to study Dairy Engineering. After some him put his co-operative society’s Marketing Federation (GCMMF), specialized training at the Imperial dairy equipment together. Kurien National Dairy Development Board Institute of Animal Husbandry and decided to stay back for a few more (NDDB) and Institute of Rural Dairy, Bangalore, he left for the days and stayed there forever. Management, (IRMA) are located. United States where he completed While he empowered millions of his Popularly known as the architect his Masters degree in Mechanical countrymen through cooperatives, the

SEPTEMBER 2012 49 Maharashtra Ahead

fact that Dr. Kurien chose milk as the brand, would be so inspired by His work has received tremendous vehicle of empowerment ensured that Kurien while on tours with him, that national and international recogn- majority of those empowered were he conceived a movie with actors ition. The Government of India women and went to on to create a brand enacting the story of Kurien’s work, conferred on him the “Padma known as AMUL. A key achievement called Manthan (the churning of the Vibhushan”, the second highest at Amul was the invention of milk ‘milk ocean’). Not able to finance it, honour in the land next only to powder processed from buffalo milk Benegal was helped by Kurien who Bharat Ratna. He is also the recipient (abundant in India), as opposed to hit upon an idea of getting each of his of the World Food Price, the Ramon that made from cow-milk, in the then half a million farmers to contribute a Magsaysay award for Community major milk producing nations. His token two rupees for the making of Leadership, the Carnegie-Wateler achievements with the Amul dairy led the movie. Manthan hit a chord with World Peace Prize and the Prime Minister Lal Bahadur Shastri to the audience immediately when it International Person of the Year appoint him founder-chairman of the was shown in Gujarat in 1976, which award from the U.S. National Dairy Development Board impressed distributors to release it Dr. Kurien’s main contribution (NDDB) in 1965, to replicate Amul’s before audiences, nationwide. It was has been in designing of systems and “Anand model” nationwide. critically acclaimed and went on to institutions, which enable people to Veteran film-maker Shyam win national awards the following develop themselves, as he believed Benegal, then an advertising executive year and was later shown on television the development of man can best who used to write the copy for Amul’s to the public. be achieved by putting in his hands the instruments of development. Honours, Awards and International Recognition He believed that the greatest assets of this country, were its people and Year Name of Award or Honor Awarding Organization he dedicated his life to the task of 1999 Padma Vibhushan Government of India harnessing the power of the people 1993 International Person of the Year Award World Dairy Expo in a manner which promoted their larger interests. 1989 World Food Prize World Food Prize, USA. Interestingly Kurien, the person 1986 Wateler Peace Prize Award Carnegie Foundation, The Netherlands. who revolutionized the availability 1986 Krushi Ratna Award Government of India. of milk in India did not drink milk 1966 Padma Bhushan Government of India. himself. “White Revolution” by the 1965 Padma Shri Government of India. most famous “Milkman” known in history is a story that will make every 1963 Ramon Magsaysay Award Ramon Magsaysay Award Foundation. countryman proud. ■

50 SEPTEMBER 2012 State Cooperative Training Institutes

State cooperative training societies are functioning through out the State to impart scientific training in the Cooperative sector. Many of these Cooperative Training Centers implement various courses. Some of these institutions are: • Cooperative Training Center, Ahmednagar, 43, Chahurana Bu. market, Behind market Yard, Ahmednagar 414001 Ph. No – 0241-2451914 • Tatyasaheb Mohite Co-operative Training Centre, Kolhapur, Shri Shahu Market Yard, Pune- Bangalore Road, Kolhapur-416005; Ph. No. 0231-2651573 • Gulabrao Patil Co-operative Training Centre, Sangli, Sahakar Bhavan Market Yard, Sangli. 416416 Ph. No- 0233-2670497 • Bhausaheb Bhokare Cooperative Training Center , Amravati Camp Road, Amravati- 444602 • Kakasaheb Dixit Cooperative Training Center, Akola Murtazapur Road, Behind Navin Naka, MIDC, Phase -2 ,Near Cooperative Poultry Farm, Akola 444004 Ph No. 0724-22582326 • Cooperative Training Center, Chandrapur Near Jalnagar Railway Yard ,Chandrapur -442401 Ph. No- 07172-252859 • Ramchandra Patil Nagadkar Cooperative Training Center, Aurangabad -431001 Ph. No- 0240-2325597 • Padmashri Vitthalrao Vikhe Patil Cooperative Management Institute, Pune 46/16, Erandwana Nalstop, Karve Road, Ph. No- 020-25433816 • Vaikunth Mehta National Institute of Cooperative Management, Ph. No.- 020-25537974 • Cooperative Training Center, Jalgaon Plot no. 22 Jalgaon Cooperative Housing Society, Behind Civil Court Jalgaon 425001 • Cooperative Training Center Nashik Tilakwadi, Sharanpur Road, Nashik 422002 Ph. No. 0253-2572556 • Cooperative Training Center Pune 5, B.J. Road, Pune-411001 Ph. No- 020-26122801 • Cooperative Training Center Latur, Tilak Nagar, Revenue Colony , Behind S.T. Depot Latur- 413531 Ph. No- 02382-245184 • N.L. Rao Cooperative Training Center Nagpur Sahakar Mandir, Tilak Road, Mahal ,Nagpur- 440032 Ph. No. 0712-2729065 • Cooperative Training Center Mumbai- 205, Vikas, 2nd Floor, Justice J. N Vaidya Marg, Fort , Mumbai-400001 Ph. No- 022-22262925

Compiled by Vandana Thorat

August 2012 51 Maharashtra ahead VOL 2 | ISSUE NO. 4 | AUGUST 2012 | `5

VOL. 2 | ISSUE NO. 3 | JULY 2012 | 0 | PAGES 52 MAHARASHTRA AHEAD `50 | PAGES 52

Government Rural Hospital

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Education: Quest For Excellence Health ambulance Is Wealth

O.I.G.S. Presented by The Government of India MAHARASHTRA AHEAD

Digamber W. Palve Senior Assistant Director, Directorate General of Information and Public Relations, Maharashtra Government, Barrack No. 19, Free Press Journal Marg, Mumbai 400 021.

Printed at Navbharat Press Ltd., Navbharat Bhavan, Plot no. 13, Sector 8, Sanpada (East), Navi Mumbai 400 706. Published by Directorate General of Infromation & Public Relations Mantralaya Mumbai 400 032 on behalf of Government of Maharashtra. Editor-in-Chief Pramod T. Nalawade, Director General of Information and Public Relations.