New initiatives taken by the Cooperation Department in Bengal

The Bengal Government’s Cooperation Department has taken several initiatives to improve the reach of cooperative societies across the State by converting cooperative societies into banks, and introducing computerisation and modern banking services. Regular audits of cooperative societies are being conducted and special initiatives are being taken for increasing memberships of cooperative societies.

New initiatives

Overhauling rural cooperative system: The department has set a target of overhauling the entire rural cooperative system and mobilising deposits of about Rs 1 lakh crore in the next two to three years. As a result, cooperative banks and primary agricultural credit societies (PACS) will be able to contribute more effectively towards various Government schemes and extend loans to SHGs. They should be able to extend at least 50 per cent of the almost Rs 40,000 crore loan required annually for crop production and marketing.

Banking for the unbanked: The department has set a target of opening at least 75 cooperative bank branches in unbanked gram panchayats (GP) by the end of financial year 2018-19.

Modern banking: Modern banking facilities, viz., ATM, RTGS, NEFT, etc. are being provided at existing cooperative banks. Till now, 350 branches of West Bengal State Cooperative Bank (WBSCB) and Central Cooperative Bank (CCB) have already been CBS-enabled and 80 ATMs are in operation. Besides, mobile ATM services have also been introduced.

Assistance to PACS: An assistance of Rs 34.75 crore has been given for the computerisation of 2,780 primary agricultural cooperative societies (PACS).

New cold storage units: Construction of six cold storage units has been taken up, having a total capacity of 49,000 MT, which are likely to be completed during the current year.

Regular audit: Initiatives have been taken to conduct timely and regular audit of cooperative societies.

Increasing membership: Special initiatives have been taken to enhance the memberships of cooperative societies.

Samabay Bhavans: The State Government has decided to establish Samabay Bhavans in all the districts to accommodate all offices related to the Cooperation Department under one roof. So far, bhavans have been completed in Purba Bardhaman (Bardhaman), Paschim Bardhaman (Asansol), Bankura, Purulia, North 24 Parganas and Paschim Medinipur. Construction is going on in Malda.

 

Important schemes being implemented in the cooperative sector by Bengal Govt

Several important schemes are being implemented by the State Cooperation Department to improve the cooperative sector. The Trinamool Congress Government has been very proactive in empowering the rural population, as well as the urban population to some extent, by energising the cooperative sector.

Special Bad Debt Reserve for CCBs and PACS (Risk Fund): Under this scheme, an outright grant to primary agricultural cooperative societies (PACS) and central cooperative banks (CCB), at 4 per cent and 2 per cent, respectively, of the additional amount of loans issued over and above last year’s amounts, would be given to encourage agricultural credit to the weaker sections of society. Rs 1,300 lakh has been allocated for the Special Bad Debt Reserve for CCBs (Risk Fund) and Rs 2,600 lakh has been allocated for the Special Bad Debt Reserve for PACSs (Risk Fund).

Strengthening of central cooperative banks (CCB): Rs 500 lakh has been allocated for assisting the weak central cooperative banks for 2018-19, to strengthen the capital base and raise the net worth, as these banks play a pivotal role in spreading the Cooperative Movement at the district-level.

Strengthening of primary agricultural cooperative societies (PACS): Rs 1,000 lakh has been allocated for assisting the weak primary agricultural cooperative societies in hiring godowns, purchasing furniture, giving incentives to staff, computerising offices and training SHGs, for a period of three years.

Investment in shares – National Rural Credit (Long Term Operations) Fund: Rs 500 lakh has been allocated for 2018-19 towards financial assistance in the form of State share to West Bengal State Cooperative Bank (WBSCB), Central Cooperative Banks (CCB), West Bengal State Cooperative Agricultural and Rural Development Bank (WBSCARD) and Primary Cooperative Agriculture and Rural Development Banks (PCARDB), to strengthen their capital base.

Assistance for universal membership: Rs 50 lakh has been allocated for 2018-19 for encouraging the weaker sections of society to be brought within the cooperative fold by allowing an assistance of Rs 250 per head to purchase shares of PACSs.

Training of self-help groups (SHG): Rs 965 crore has been allocated for 2018-19 for sensitisation and awareness training programmes for the members of more than 2 lakh SHGs, and for skill development training for the members of the SHGs.

Supply of long-term credit: Rs 500 crore has been allocated for 2018-19 for supplying long-term credit to the weaker sections of society by the agricultural and rural development banks.

Assistance for offsetting imbalance in PCARDBs: Rs 4,000 lakh has been allocated for 2018-19 for reviving WBSCARD and the PCARDBs under the long-term cooperative credit sector.

Urban credit cooperative sector: For 2018-19, for the revival and development of the urban cooperative banks (URB), urban credit cooperative societies (UCCS) and mahila cooperative societies (MCS), Rs 100 lakh, Rs 300 lakh and Rs 300 lakh, respectively has been allocated.

Establishment of cold storages: Rs 200 lakh has been allocated for 2018-19 for the repairing, renovation and expansion of cold storages under the various cooperatives.

Establishment of storage godowns: Rs 50 lakh has been allocated for 2018-19, to be given to primary agricultural credit societies and primary agricultural marketing societies for the construction of godowns and the repairing and renovation of existing ones.

Assistance to agricultural marketing societies: Rs 1,000 lakh and Rs 50 lakh have been allocated to West Bengal State Cooperative Marketing Federation and the primary agricultural marketing societies, respectively, to supply agricultural inputs like fertilizers, seeds, etc. and market agricultural produce including procurement of paddy at the State Government-mandated minimum support price (MSP).

Rural Infrastructure Development Fund (RIDF): Rs 6,000 lakh has been allocated for 2018-19 under RIDF for the construction of large godowns, cold storages, rice mills, seed farms, etc.

Development of cooperative societies: For 2018-19, Rs 200 lakh has been allocated for Apex Consumers’ Cooperative Society, Rs 300 lakh for urban consumers’ cooperative societies and another Rs 200 lakh for rural consumers’ cooperative societies.

Training: Rs 275 lakh has been allotted for 2018-19 for the construction of training centres and for conducting training programmes by West Bengal State Cooperative Union.

Samabay Bhavans: Samabay Bhavans have been built in the districts of Purba Bardhaman (Bardhaman), Paschim Bardhaman (Asansol), Bankura, Purulia, North 24 Parganas and Paschim Medinipur. Construction is going on in Malda. Rs 200 crore has been allotted for constructions in a few more districts.

Ad hoc Grant to employees of cooperative societies: Rs 1,500 crore has been allocated for 2018-19 under the head of Ad hoc Grant for enhancing the emoluments of the employees of the various cooperative societies.

West Bengal Cooperative Service Commission: Rs 74 lakh has been allocated for 2018-19 for West Bengal Cooperative Service Commission, which selects and recommends the appointments of personnel in cooperative societies across the state, in line with the provisions of the West Bengal Cooperative Societies Act, 2006.

 

Bengal Govt to convert 2,600 cooperatives to banks

The Bengal Government has decided to give cooperative societies in villages where there are no banks all the facilities of banks. Through this move, 2,600 societies would be turned into banks.

Chief Minister Mamata Banerjee gave instructions in this regard on March 30. The State Cooperation Department has allotted Rs 396 crore for this purpose.

The cooperative society-turned-banks would have all the facilities of regular banks, including those related to loans and money transfer. For example, money can be transferred through NEFT and RTGS. The banks would have their own ATMs too. These banks would start operating from the next financial year.

According to the Cooperation Minister, who gave these details while announcing the formation of the banks, the 2,600 cooperative societies have been selected on the basis of better track records from among the approximately 6,000 cooperative societies in Bengal.

 

২৬০০ ঋণদানকারী সমবায় সমিতিকে ব্যাঙ্কের মর্যাদা দিচ্ছে রাজ্য সরকার

রাজ্যের যে সমস্ত গ্রামে কোনও ব্যাঙ্কের শাখা নেই, সেখানে ঋণদানকারী সমবায় সমিতিগুলিকে ব্যাঙ্কের মর্যাদা দিচ্ছে রাজ্য সমবায় দপ্তর। মোট ২৬০০টি সমিতি ব্যাঙ্কের মর্যাদা পাবে। ওই সমিতিগুলি থেকে ঋণের পাশাপাশি ব্যাঙ্কের যাবতীয় সুযোগ-সুবিধা মিলবে।

মুখ্যমন্ত্রী মমতা বন্দ্যোপাধ্যায়ের নির্দেশে ৩০শে মার্চেই এই নির্দেশিকা জারি হয়েছে। এজন্য রাজ্য সমবায় দপ্তর ৩৯৬ কোটি টাকা বরাদ্দ করেছে। সমবায় দপ্তর সূত্রে জানা গিয়েছে, ব্যাঙ্কের মতো এখানেও এক অ্যাকাউন্ট থেকে অন্য অ্যাকাউন্টে টাকা পাঠাতে আরটিজিএস বা এনইএফটি করা যাবে। সমিতিগুলির নিজস্ব এটিএমও চালু হবে। আগামী আর্থিক বছরের প্রথম থেকেই এই ব্যবস্থা চালু হবে।

রাজ্যের সমবায়মন্ত্রী বলেন, রাজ্যের ২৫০টি গ্রাম পঞ্চায়েতে কোনও ব্যাঙ্কেরই শাখা নেই। তাই মুখ্যমন্ত্রীর নির্দেশে এই ব্যবস্থা। রাজ্যে প্রায় ৬০০০ সমবায় সমিতি আছে। তার মধ্যে থেকে আমরা ট্র্যাক রেকর্ড ভালো থাকা ২৬০০টি সমবায় সমিতি বাছাই করেছি। আমরা ২৫০টি জেলা সমবায় ব্যাঙ্কের শাখা করব বলে আগেই সিদ্ধান্ত নিয়েছিলাম। তার কাজও চলছে।

দ্রুত বাছাই করা সমবায় সমিতিগুলিকে ব্যাঙ্কের পরিকাঠামো তৈরী করতে নির্দেশ দেওয়া হয়েছে। সমবায় দপ্তর সূত্রের খবর, প্রতিটি গ্রামে এটিএম কাউন্টার তৈরির পাশাপাশি এনইএফটি বা আরটিজিএস করার জন্য অনলাইন লিঙ্ক চালু করা থেকে শুরু করে প্রযুক্তিগত সমস্ত ব্যবস্থা দ্রুত করতে নির্দেশ দেওয়া হয়েছে। কোনও শহরের সমবায় সমিতিকে ব্যাঙ্কের মর্যাদা দেওয়া হচ্ছে না।