Co-operation( Frequently Asked Questions )

Organisation & Registration of Cooperative Societies.

Question No-1. How many members are required to form a Cooperative Society ?

Answer- Minimum 51 members over the age of 18 years of which 1/3^rd should be women. In case of Housing society 15 members.

Question No-2. How can a Society be formed & to whom to be contacted?

Answer- Contact the local Cooperative Extension Officer of the Block/ARCS of the Circle/DRCS of the Division.

Question No-3. What are the papers/documents required to form a Society?

Answer-

• Model bye-laws – 6 copies
• Application form for registration – 2 copies
• Copy of resolution of the proposed society
• Feasibility report
• Extract of the Cash Book
• Extract of share register
• Copy of receipt showing deposit of minimum share, entrance fee in Financing Bank.
• Opinion of the financing Bank for its affiliation.

Question No-4. Who can organise a Cooperative Society ?

Answer- Any interested member duly selected by majority of members.

Question No-5. If registration bound, if so, to whom to be applied?

Answer- It is obligatory on the part of the Cooperative Society to be registered. The ARCS of the Circle to be applied in case the area of operation of the proposed society is within his jurisdiction. And beyond it DRCS.

Question No-6. If we form a Society, is there any Government assistance ?

Answer- No.

CROP LOAN

Question No-7. How can I get loan for raising crop ?

Answer- Contact the MD of LAMPS or Secretary of SCS of your area who will advise the procedure.

Question No-8. If the MD of LAMPS or secretary of SCS found absent in the Cooperative Society to whom to be contacted ?

Answer- Contact the Cooperative Extension Officer of your Block or local Branch Manager of Keonjhar CENTRAL COOPERATIVE BANK.

Question No-9. What is the scale of finance for different crops ?

Answer- No, it is simple interest only and charged as per decision of the Financing Bank considering the cost of fund.

The scale of finance is however subject to change every year, which can be known by contact to the MD of LAMPS/Secretary of SCS/Branch Manager of, concerned Bank.

Question No-10.What is the rate of interest for crop loan?

Answer- 16.5%

Question No-11.16.5% interest appears to be at higher side, is it not?

Answer- No, it is simple interest only and charged as per decision of the Financing Bank considering the cost of fund.

Question No-12.What is the due date of repayment of Khariff an Rabi loan ?

Answer- 28^th February for Khariff, 31^st May for Rabi.

Question No-13.If we cannot repay loan is due date, what will happen ?

Answer- Penal interest of 2% will be charged.

Question No-14.I am still to repay khariff loan which is not overdue, whether I can get Rabi loan ?

Answer- Yes, within the limit of sanction.

Question No-15.What is Kishan Credit Card ?

Answer- It is an authority in shape of Pass book for availing credit for seasonal agricultural production and repayment in time.

Question No-16. How can I get Kishan Credit Card ?

Answer- If you are an agriculturist having cultivable land and a member of concerned LAMPS/ SCS and have applied for crop loan, you can get Kishan Credit Card.

Question No-17. I am a defaulter of loan in another financing institution. Whether I can be issued KCC?

Answer- No. But you can be issued KCC after obtaining no due certificate.

Question No-18. What is the procedure of operation of KCC?

Answer- You have been given Cheque Book along with KCC. You can draw cash component from concerned Branch Bank on self-cheques & kind comp. from concerned LAMPS/ SCS on production of cheque.

Question No-19. Whether the entire sanctioned amount can be withdrawn at a time or with phased manner?

Answer- As per your requirement within the time of seasonally of finance. But it is advisable to draw the amount as per requirement, which will reduce the interest burden.

Question No-21. Can the sanctioned limit be increased or decreased as per my requirement?

Answer-

RASTRIYA KRISI BIMA YOJANA

Question No-22. What is Rastriya Krisi Bima Yojana?

Answer- It is an Insurance scheme introduced by the Govt. of India for the crops (Food crops, cereals, Pulses & Oil-seeds) raised by a farmer against Natural Calamities.

Question No-23. Can all the farmers insure the crops?

Answer- It is compulsory for borrowing members and it is optional for non-borrowing members of Cooperative Societies.

Question No-24. Please state what are the specific crops included in Rastriya Krisi Bima Yojana in Keonjhar District. ?

Answer- Paddy and Maize during khariff season and Paddy & Oil-seeds(Mustard) and Potato in Rabi season.

Question No-25. What is the rate of premium & sum insured?

Answer- The rate of premium & sum insured for different crops notified for Keonjhar district are as follows :

Question No-26. Which is the insurance Co. under which RKBY/is being implemented ?

Answer- General Insurance Company of India (Crop Insurance Cell ).

Question No-27.What is the notified Unit for RKBY ?

Answer- G.P. and Municipality/N.A.C. in Khariff

Question No-28.

Answer- He has to apply in the prescribed form along with Xerox copy of the land record owned/cultivated by him to the MD of LAMPS/secretary of SCS/BM of KCCB and open a savings Bank Account with minimum deposit of Rs.100/- & deposit required premium within the cut off date i.e 31^st July during Khariff.

For Rabi season – not yet notified.

(D) SUPPLY OF FERTILISER

Question No-29.what are the arrangements made in Cooperative Societies for supply of fertiliser?

Answer- The fertilisers are available with the LAMPS/SCS from where it can be purchased by the members or non-members by cash/ Cheque of KCC.

Question No-30.In case required fertiliser is not available in the LAMPS/SCS, what is the alternative arrangement ?

Answer- In case of KCC holders, he can purchase required fertiliser from authorised dealer and seek re-imbursement from the concerned Branch Bank of KCCB on production of cash memo.

(E) RECOVERY OF LOAN :

Question No-31.Although I am aware of due date of repayment of loan, I can not repay the loan because of the circumstances beyond my control. How can you help me ?

Answer- There is Orissa alternative way to help you. You are to repay the loan on or before the due date which will enable you to avail fresh loan as per your requirement. Non-repayment of loan in due date will penalise you with penal interest including other coercive legal action.

Question No-32. I could not repay the loan due to crop loss by drought flood, cyclone & other natural calamities. What is the relief available to me to repay the loan?

Answer- If the Govt. of Orissa in Revenue Department. notifies the crop loss of 50% and above in your are (GP, Village) your S.T. crop loan will be converted to Medium Term conversion loan and there by you will be eligible for fresh loan to raise subsequent crops subject to repayment of interest only.

Question No-33. In case of such crop loss declaration by the Govt. Whether I am entitles for crop insurance indemnity?

Answer- It is determined only by the General Insurance Company considering the crop loss data in respect of notified unit of the season with that of the previous years’ supplied by the Government.

Question No-34. Popular slogan of the Cooperative is "Each for all and all for each". In such case if a member defaults to repay his loan what should be the duty & responsibility of other members ?

Answer- They should convince and prevail upon the defaulter to repay the loan for better interest of the Society and its members.

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Education( Frequently Asked Questions )

DPEP

Question No-1 When teachers will be posted to each school?

Answer - Govt. of Orissa has taken some decision to appoint para teachers to fill up vacancy of your school which will be done shortly.

Question No-2 Will mid-day meal be provided to A.S. Centers (Pragati Kendras)?

Answer - No, mid-day meal can not be provided to A.S. Centers.

Question No-3 What is the criteria for opening up a New Primary school?

Answer - 200 population and location should not have schooling facility within 1 K.M. radius will be eligible for opening up a New Primary school.

Question No-4 What is the criteria for opening up a A.S. Center?

Answer - An unserved locality having 15-20 children at the age group of 6-14 leaving without schooling.

Question No-5 Is a private Primary school eligible for School Management Grant?

Answer - No, School Management Grant is provided to Govt. recognized Primary schools.

Question No-6 Are teachers of private Primary schools eligible for Teaching Learning Material Grant?

Answer - No, teachers working in Govt. managed Primary schools are only getting this.

Question No-7 Are Primary schools managed by Welfare Department of Govt. eligible for School Improvement Grant?

Answer - No, repair of these schools are taken up by I.T.D.A. Office.

Question No-8 Is a teacher working in a school managed by Welfare Department eligible for T.L.M.?

Answer - Yes, This grant is meant for developing Teaching Learning Materials to improve teaching learning process.

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