Question 1

Nutritional level of food energy is expressed in the form of

Accepted Answer

A)  calories per day 
B)  wheat consumption 
C)  rice consumption per day 
D)  none of the above 
A)  calories per day 
B)  wheat consumption 
C)  rice consumption per day 
D)  none of the above A

Question 2

What option block the poor to get bank loans?

Accepted Answer

A) Absence of collateral 
B) High rates of interest 
C) Complexity of procedure 
D) None of the above 
A) Absence of collateral 
B) High rates of interest 
C) Complexity of procedure 
D) None of the above A

Question 3

Self Help Group involves

Accepted Answer

A) Group of 5 to 20 people 
B) Regular saving habits 
C) Inter-lending within the group members 
D) All of above 
A) Group of 5 to 20 people 
B) Regular saving habits 
C) Inter-lending within the group members 
D) All of above D

Question 4

The microfinance movement in India has been initiated by

Accepted Answer

A) SIDBI 
B) SBI 
C) NABARD 
D) RRBs 
A) SIDBI 
B) SBI 
C) NABARD 
D) RRBs

Question 5

What is the share of Sponsor Banks in the Regional Rural Banks?

Accepted Answer

A) 75% 
B) 15% 
C) 40% 
D) 35% 
A) 75% 
B) 15% 
C) 40% 
D) 35%

Question 6

Prudential norms of the banks includes

Accepted Answer

A) IRAC norms 
B) provisioning norms 
C) CRAR norms 
D) all of the above 
A) IRAC norms 
B) provisioning norms 
C) CRAR norms 
D) all of the above

Question 7

Current Ratio is :

Accepted Answer

A)  Solvency Ratio 
B)  Liquidity Ratio 
C)  Activity Ratio 
D) Profitability Ratio 
A)  Solvency Ratio 
B)  Liquidity Ratio 
C)  Activity Ratio 
D) Profitability Ratio

Question 8

Debt equity ratio ascertains soundness of………. financial position

Accepted Answer

A) long term 
B) Short term 
C) Yearly 
D) all of above 
A) long term 
B) Short term 
C) Yearly 
D) all of above

Question 9

In microfinance the demand side constraints is

Accepted Answer

A) lack of awareness 
B) distance from bank branch 
C) unsuitable product 
D) communication 
A) lack of awareness 
B) distance from bank branch 
C) unsuitable product 
D) communication

Question 10

In which year the Regional Rural Banks Act was passed?

Accepted Answer

A) 1986 
B) 1976 
C) 1992 
D) 1988 
A) 1986 
B) 1976 
C) 1992 
D) 1988

Question 11

The calorie requirement is higher in the rural areas because:

Accepted Answer

A)  they do not enjoy as much as people in the urban 
B)  food items are expensive. 
C)  they are engaged in mental work. 
D)  people are engaged in physical 
A)  they do not enjoy as much as people in the urban 
B)  food items are expensive. 
C)  they are engaged in mental work. 
D)  people are engaged in physical

Question 12

Housing loan granted to public indivisual upto rupees………….for construction of houses treated as priority sector advances

Accepted Answer

A) 5 lakh 
B) 10 lakh 
C) 15 lakh 
D) 20 lakh 
A) 5 lakh 
B) 10 lakh 
C) 15 lakh 
D) 20 lakh

Question 13

In order to meet the working capital requirement in agriculture, banks issue the card

Accepted Answer

A) General Credit Card 
B) SME Credit Card 
C) Swaroj Credit Card 
D) Kisan Credit Card 
A) General Credit Card 
B) SME Credit Card 
C) Swaroj Credit Card 
D) Kisan Credit Card

Question 14

This P is not a part of the 7Ps of marketing mix?

Accepted Answer

A)  Promotion 
B)  Price 
C) People 
D)  Purpose 
A)  Promotion 
B)  Price 
C) People 
D)  Purpose

Question 15

Balance sheet is the summary of …………………

Accepted Answer

A) General Information 
B) Financial position 
C) profit and loss position 
D) loan status 
A) General Information 
B) Financial position 
C) profit and loss position 
D) loan status

Question 16

What is the Cash Reserve Ratio (CRR)?

Accepted Answer

A) the fraction of the deposits that commercial banks lend 
B) the fraction of the deposits that RBI must 
C) the fraction of the deposits that 
D) none of the above 
A) the fraction of the deposits that commercial banks lend 
B) the fraction of the deposits that RBI must 
C) the fraction of the deposits that 
D) none of the above

Question 17

Education loan granted to indivisual for educational purposes upto rupess…… for

Accepted Answer

A) 7 lakh 
B) 10 lakh 
C) 15 lakh 
D) 20 lakh 
A) 7 lakh 
B) 10 lakh 
C) 15 lakh 
D) 20 lakh

Question 18

All the scheduled banks are to extend…………% of the total credit to priority sector

Accepted Answer

A) 18% 
B) 40% 
C) 32% 
D) 12% 
A) 18% 
B) 40% 
C) 32% 
D) 12%

Question 19

In India, which organizations take care of the agriculture and rural development credits

Accepted Answer

A) IDBI 
B) NABARD 
C) ICAR 
D) FCI 
A) IDBI 
B) NABARD 
C) ICAR 
D) FCI

Question 20

Which of these was the first RRB to be set up in India?

Accepted Answer

A) Gaur Gramin Bank 
B) Pratham Bank 
C) Himachal Bank 
D) Aruchal Rural Bank 
A) Gaur Gramin Bank 
B) Pratham Bank 
C) Himachal Bank 
D) Aruchal Rural Bank

Exam 1: Banking and Microfinance: Exploring Policies and Practices in India