UNIQUE SERIES AKTU Syllabus
BMBF106

Banking and Micro Finance

L-T-P4-0-0 Credits3 Session2025-26 TypeTheory
Appears in 1 semester

MBA Banking & Financial Services · Sem 1 (Core)

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Syllabus

5 units
Unit1

Unit 1

Overview of the BFSI domain in India, Role & importance of banks in an economy, Structure of Indian banking industry,· Reserve Bank of India and its role,· Types of banks in India,· Negotiable Instruments,· Banker- Customer relationship,· Overview of basic banking products & services,· Financial inclusion & exclusion

Unit2

Unit 2

Need for & importance of microfinance/What is micro finance, Evolution of microfinance in India/Mainstream micro finance institutions, Different models of microfinance/SHGs – what they are and why they are important, MFIs and legal forms/Typical organization structure of MFs, Typical Products & Services/Customers served

Unit3

Unit 3

Micro Finance Operations, Credit & Credit Operations, Aspects of MFI Credit, Credit delivery methodologies, Loan Application/Loan Prospecting/Loan Approvals/Loan Documentation, Loan Disbursements/Loan Collections & Recoveries, Data Management

Unit4

Unit 4

Skills for Success in MFI Roles, Communication and Interviewing Skills/Borrower Profiling Skill, Counseling and Financial Advising Skills/Time Management Skill

Unit5

Unit 5

Back Office Operations in Micro finance Institution- Understanding the role & importance of back office operations in an MFI, Understanding the importance of data management in the back office, Customer Account Management, Overview of Management Information Systems

Course Objectives4 points
  • Understand the core concepts and functions of banking with an in-depth understanding of its structure and operations.
  • Describe the principles and significance of microfinance in financial inclusion.
  • Analyze the roles and contributions of microfinance institutions (MFIs) and banks in delivering financial services to low-income and underserved populations.
  • Examine the key challenges in the rural sector and assess the functioning and impact of rural banking initiatives.
Course Outcomes (COs)4 outcomes

After completion of the course student will be able to:

  1. CO1Understanding about the MFIs and their changing role in developing the sector and how Micro Finance is being marketed in the economy.K2, K1 (Knowledge, Remembering)
  2. CO2Knowledge of the microfinance institution models and application in the Indian economy CO 3:Will be able to do ratings and impact Assessment in Microfinance Applying ( K 4), Analyzing ( K 5)K2, K4 (Knowledge, Applying)
  3. CO4Able to understand and develop Skills for Success in MFI RolesK3 (Comprehending)
  4. CO5Applying the data management information systems in banking operations.K4 (Applying)

Suggested Readings

  1. Brakema, L. (2011). Microfinance: Profit or Poverty Reduction?, Lap Lambert Academic Publishing
  2. Mohanty, C. (2011). Public Economics And Welfare State: Indian Microfinance Sector, Surendra Publications.
  3. Panda, D. (2009). Understanding Microfinance, Wiley India Pvt Ltd
  4. Sarkar, S. (2011). Microfinance: Concepts, Systems, Perceptions and Impact, Read worthy Publications

Official AKTU syllabus

This subject is on page 16, 17 of the original AKTU PDF.

Official AKTU syllabus PDF ↗