Banking Awareness Mcqs For Ibps Po 2014 – Laid Upwards 20

  1. Loans to pitiable people past times banks convey many limitations including lack of safety as well as high operating cost. So to assist them which type of finance organisation developed ?
    1. Ponzi schemes
    2. Micro Finance System
    3. Money Laundering Schemes
    4. Money tampering finance
    5. Supervision Finance
  2. The next statements are related to Micro Finance System. Locate the incorrect selection ?
    1. It provides micro credit having ambit for pocket-size savings as well as remittance of funds
    2. It based on the regulation of livelihood creation
    3. The livelihood mission agency engaging inward activities inward a routine fashion to generate cash or non-cash income
    4. High volumes of depression transactions done through this system.
    5. None
  3. Who introduced the concept of Micro Finance inward People’s Republic of Bangladesh inward the kind of the “Grameen Bank”? He is the Nobel laureate known past times many equally the “father of micro finance systems”.
    1. C. D. Deshmukh
    2. Amartya Sen
    3. Muhammad Yunus
    4. Sheik Haseena
    5. Muzibaer Rehman
  4. The beneficiaries of Micro finance trace of piece of employment organisation are _____________
    1. Land Less labour
    2. Marginal farmers
    3. Vendors inward the pocket-size markets
    4. Hawkers
    5. All the above
  5. The Micro Finance Institutions (MFI) differ from 1 merely about other inward price of 
    1. Product offering
    2. Loan repayment Structure
    3. Product offerings
    4. Legal structure
    5. All of these
  6. One of the delivery channel for Micro Finance is SHG model. SHG agency ?
    1. Soar Help Group
    2. Sake Help Group
    3. Self Hope Group
    4. Store Help Group
    5. Self Help Group
  7. Indian Micro Finance Institutes (MFI) unremarkably adopt the group-based lending models, which are of 2 types. SHG model as well as JLG model. SHG agency Self Help Group as well as JLG agency ?
    1. Joint Liability Game
    2. Josh Liability Group
    3. Joint Loan Group
    4. Joint Liability Group
    5. None of these
  8. To command high charge per unit of measurement involvement rates, coercive collections as well as illegal insurance practices past times the Micro Finance Institutes, Andhra Pradesh Government passed Andhra Pradesh Microfinance Institutions (Regulations of Money Lending) Act in  ?
    1. 2014
    2. 2013
    3. 2005
    4. 2007
    5. 2011
  9. In the Not-For-Profit Micro Finance Institutes, which amid the next are included ?
    1. Societies
    2. Public Trusts
    3. Non-Profit Companies
    4. All of these
    5. None of these
  10. Co-operatives registered nether province or National Acts as well as MACs come upwards nether Mutual arrive at goodness MFIs. MACS agency ?
    1. Moral-Aided Co-Operative Societies
    2. Mint-Aided Co-Operative Societies
    3. Mutually-Aided Co-Operative Societies
    4. Mutually-Aided Co-Operative Societies
    5. None of these
  11. Non-banking  fiscal companies, producer companies as well as LAB come upwards nether the category of For-Profit-MFIs. LAB agency ?
    1. Loan Area Banks
    2. Legal Area Banks
    3. Local Axis Banks
    4. Local Area Banks
    5. None
  12. SKS Micro-finance Ltd, the exclusively listed micro lender inward the set down founded past times ___________
    1. Sudipa Sen
    2. M. B. N. Rao
    3. Kunal Ghosh
    4. Vikram Akula
    5. None 
  13. Who launched an ‘India Micro-finance Platform’, a portal on micro-finance activities across the country, amongst the assistance of World banking concern funds on 28th June 2013 ?
    1. SBI
    2. ICICI
    3. SIDBI
    4. Exim Bank
    5. NABARD
  14. SIDBI related statements are given. Pick the incorrect statement.
    1. SIDBI agency Small Industries Development Bank of India
    2. It was established on 2d Apr 1990
    3. It is the main fiscal establishment for the promotion, financing as well as evolution of manufacture inward the pocket-size scale sector
    4. its caput constituent is inward Nagpur
    5. None 
  15. Who is the novel Chairman & Managing Director of Allahabad Bank (from twelfth March 2014)?
    1. S. K. Roy
    2. T. C. A. Ranganathan
    3. Rakesh Sethi
    4. U. K. Sinha
    5. Rahul Khullar
  16. Which commission has recommended creation of a dissever category of NBFCs operating inward the microfinance sector to hold upwards designated equally NBFC-MFIs (Non-Banking Finance Company – Micro Finance Institutes) ?
    1. C. Ranga Rajan
    2. Chandra Sekhar
    3. Y. H. Malegam
    4. Tarapore
    5. R. K. Sundaram
  17. Recommendations of Malegam commission on Micro Finance Sector arrive at non include _______
    1. MFI should non accuse to a greater extent than than 24% of its disbursed loans
    2. Processing fee on the loan sum must non hold upwards to a greater extent than than 1%
    3. Margin of involvement to hold upwards non to a greater extent than than xx per cent
    4. MFIs should lend to an private borrower exclusively equally a fellow member of a JLG as well as should convey the responsibleness of ensuring that the borrower is non a fellow member of merely about other JLG
    5. Bank advantages to MFIs should expire along to bask ‘priority sector lending status’.
  18. On ninth Oct 2013 RBI has announced prepare a Technical Committee nether the chairman send of ____________ to examine the feasibility of encrypted SMS-based fund transfers. 
    1. Anand Sinha
    2. Raghu Ram Rajan
    3. Urjith Patel
    4. Pandu Ranga Rajan
    5. Sambamurthy
  19. Who is the outset adult woman chairperson of State Bank of India
    1. Shubhalakshmi Panse
    2. Chandra Kochhar
    3. Naina Lal Kidwai
    4. Arundhathi Bhattacharya
    5. Usha Ananthasubramanian
  20. Which fellow member of the basis banking concern grouping launched the Indian Rupee Denominated bond, may hold upwards the outset pace towards internationalization of the Indian currency ?
    1. IBRD
    2. IDA
    3. IFC
    4. MIGA
    5. IMF

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