In this post we have provided the Gauhati University BCom Microfinance Question Paper 2024 of the Old CBCS Pattern. This paper is now very helpful for BCom 5th Semester students of Finance Major/Specialisation because there's not a single change in the new syllabus under NEP FYUGP.
Gauhati University BCom Microfinance Question Paper 2024
COMMERCE
COM-HG-4026 (Microfinance)
2024
Full Marks: 80, Time: Three hours
The figures in the margin indicate full marks for the questions.
Short Answer Questions
1. Answer the following questions as directed (1×10=10):
(a) Identify the statement related to microfinance:
(i) Borrowers are low-income people.
(ii) Loan is extended without collateral.
(iii) It empowers poor women.
(iv) All of the above.
(b) "NBFC-MFI is a non-deposit taking institution." Is this statement true or false?
(c) A self-help group means:
(i) A group of 10 to 20 people.
(ii) Regular savings habit.
(iii) Interlending within the group members.
(iv) All of the above.
(d) The microfinance movement in India was initiated by which institution?
(i) SBI
(ii) NABARD
(iii) RBI
(iv) SIDBI
(e) In which year was the SHG-Bank linkage program started in India?
(i) 1991
(ii) 1992
(iii) 1996
(iv) 1999
(f) Which scheme was introduced by the Government of India for poverty alleviation?
(i) NRLM
(ii) MEDP
(iii) SHG Bank linkage program
(iv) LEDP
(g) Name any two microfinance institutions operating in India.
(h) Who initiated the concept of financial inclusion in India?
(i) NABARD
(ii) RBI
(iii) SIDBI
(iv) None of the above
(i) "A microfinance institution is required to obtain a certificate of registration from the Reserve Bank of India for carrying on microfinance activities." Is this statement true or false?
(j) The term of microcredit is:
(i) Short term
(ii) Long term
(iii) Medium term
(iv) All of the above
Short Answer Questions (50 words each)
2. Answer the following questions (2×5=10):
1. (a) Write the meaning of microfinance.
2. (b) Write two differences between microfinance and microcredit.
3. (c) What is a self-help group?
4. (d) Mention two non-financial services provided by microfinance institutions.
5. (e) What is MUDRA loan?
3. Answer any four questions in 150 Words (5×4=20):
(a) State the objectives of microfinance.
(b) What are the common sources of funds for microfinance institutions?
(c) Explain how Pradhan Mantri Jan Dhan Yojana helps rural poor attain financial inclusion.
(d) Why is regulation for microfinance and microfinance institutions necessary? Explain.
(e) How does impact assessment help in measuring social performance? Explain.
(f) Write a brief note on the Microfinance Institutions (Development and Regulation) Bill 2012.
Long Essay Questions (600 words each)
4. Answer any four questions (10×4=40):
(a) Discuss the evolution of microfinance in India.
(b) Explain the credit delivery mechanism for microcredit.
(c) State the various problems of microfinance. Suggest measures to overcome these problems.
(d) What are the various risks associated with microfinance institutions? State the risk management procedures of microfinance institutions.
(e) "NABARD has played a significant role in the promotion of microfinance in India." Discuss.
(f) Discuss the various laws governing microfinance activities in India.
(g) "Microfinance is an effective tool for income generation and poverty alleviation." Discuss.
(h) Discuss the various models of microfinance in India.
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