(RTU) Microfinance Question Paper' 2022 | B.COM 4th Sem CBCS Pettern | Rabindranath Tagore University Hojai, Assam

(RTU) Microfinance Question Paper' 2022 | B.COM 4th Sem CBCS Pettern | Rabindranath Tagore University Hojai, Assam

Rabindranath Tagore University Hojai (RTU ASSAM)





Paper 4 .1


(Sem-4) MIF-GE-4-1

Full Marks: 80

Time: 3 hours

The figures in the margin indicate full marks for the questions.

1.Select the most appropriate answer from the multiple choices given against each: 1×10 = 10

(a) Which of the following is not a feature of microfinance ?

(i) Borrowers are from the low income group

(ii) Loans are of small amount

(i) Loans are given to women clients only

(iv) Loans are offered without collateral security

(b) Which of the following is the oldest microfinance organisation in India?

(i) Bandhan 

(ii) Self Employed Women's Associations (SEWA)

(iii) RGVN Microfinance Ltd


(c) The concept of microfinance founded by

(i) Prof. Yunus

(ii) Adam Smith

(ii) David Ricardo

(iv) Robinson

(d) SHG-Bank Linkage Model launched by NABARD in

(i) 1982

(ii) 1992

(iii) 1997

(iv) 1999

(e) Microfinance has the highest level of penetration in the region.

(i) North

(ii) North-East

(iii) South

(iv) West

(f) NABARD was set up essentially as a development bank for promotion.

(i) agricultural development only

(ii) rural development only

(iii) Both of the above

(iv) None of the above

(g) When was Rashtriya Mahila Kosh (RMK) established ?

(i) 1990

(ii) 1991

(iii) 1992


(h) What is the full form of CARE ?

(i) Credit Analysis and Research Limited

(ii) Cash Analysis and Research Limited

(iii) Cash Assistant and Research Limited

(iv) None of the above

(i) What is the NABARD pilot project for digitization of SHGs called?

(i) E-shakti

(ii) E-samriddi

(iii) E-shanti

(iv) E-samraksha

(j) What are the components of micro finance ?

(i) Microcredit

(ii) Microsavings

(iii) Microinsurance

(iv) All of the above.

2. Answer any five questions from the following: 2x5=10

(a) State two basic features of a microfinance product.

(b) Mention two main objectives of microfinance.

(c) Mention names of any two MFIS operating in Assam.

(d) What is the Grameen model of micro finance ?

(e) Mention any two government schemes for financial inclusion in India.

(f) What is the main objective of Micro finance Institutions (Development and Regulation) Bill, 2012 ?

3. Answer any four questions from the following: 5×4=20

(a) Distinguish between Microfinance and Microcredit.

(b) Justify the need of financial inclusion in India.

( c)Explain the need for regulating micro finance in India.

(d)Explain the various components of impact assessment of microfinance.

(e) Explain the basic functions of NABARD.

(f) Explain the objectives of SHG-Bank Linkage Programme.

4. Answer any four questions from the followings:  10x4=40

(a) Explain the various laws governing microfinance activities in India.

(b) Discuss in details the evolution of microfinance in India.

(c) Discuss in detail the microfinance delivery mechanism in India.

(d) SHG-Bank Linkage Programme in India is considered as the biggest micro finance programme in the world". Examine this statement.

(e) Highlight the role of NABARD in dispensing rural credit.

(f) Elucidate the role of SHGS in delivery of microfinance.

(g) What do you mean by risk management? Explain the importance of risk management for MFIS.

(h) Explain the problems and prospect of microfinance in India.


Also Read : Microfinance important notes chapter wise B.Com 4th sem (Hons.)

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