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Cooperatives like village panchayats are institutional agencies for achieving social justice. In a country whose economic structure has its roots in the village, cooperation is something more than a series of activities organized on cooperative lines; mainly its purpose is to evolve a system of cooperative community organization which touches upon all aspects of life. Cooperation, therefore, means an obligation towards all families in the village community and the development of resources and of social services in the common interest of the village as a whole. This is the underlying approach in setting cooperative village management on the main direction of reorganization in the rural economy. Covers the significance of agricultural finance and its problems, the role of DCC Banks in the rural credit system.

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Dr.G.B.Boraiah is Assistant Professor of Economics,working at A.V.K.College for Women,Davanagere.He got P.G,U.G and P.hD degrees from the Kuvempu- university. and by virtue of his vast teaching experience at both P.G and U.G levels he has become one of the popular teachers in Economics. His areas of specialization are Banking, Agricultural finance.

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