International Journal of Commerce and Management Research

Authors
Dr. Mohd Iqbal Darzi

Abstract
Economic Development of our country can be achieved only through uplift of the village folk. Among the various institutional agencies engaged in rural finance, Co-operative Banks play a significant role in financing the target groups in rural sector. The study analysis the performance of cooperative banks functioning in J & K State. The performance is not as per the expectations with which these banks have been established. The focus of the Cooperative movement in J&K should be aimed at building a democratically vibrant, economically viable and self- reliant movement. Since the Cooperatives are considered to be the backbone of the rural credit structure due to their many inherent characteristics, strengthening this structure is therefore a prerequisite, if the credit requirements of the rural populace are to be properly addressed.