BC / BF EXAM (IIBF) Series -39 (PROBABLE QUESTIONS AND ANSWERS)
The bold option is the correct answer.
Chapter-15;
Microfinance and Self Help Groups
1. Maintenance of the following books/registers
is not compulsory for SHG____________
A.
Minutes book
B.
Savings and Loan
register
C.
Visitor's book
D.
Member's passbook
2. SHGs for assistance under PMRY may consist
of ____________
A.
5-20 educated
unemployed youth
B.
3-15 educated
unemployed youth
C.
10-25 educated
unemployed youth
D.
2-10 educated
unemployed youth
3. Provision of credit not exceeding _________
per borrower, either directly or through the SHG/JLG mechanism will constitute
microcredit.
A.
Rs 10,000/-
B.
Rs 25,000/-
C.
Rs 50,000/-
D.
Rs 1 lakh
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| General Studies |
4. A microenterprise in manufacturing sector is
one where the investment in plant and machinery does not exceed _______________
A.
Rs 10 lakh
B.
Rs 20 lakh
C.
Rs 25 lakh
D.
Rs 50 lakh
5. What should be the minimum net worth of an
NBFC-MFIs registered ina North East state:
A.
Rs 1 crore
B.
Rs 2 crore
C.
Rs 3 crore
D.
Rs 5 crore
6. An MFI can maximum, lend ____________in the
first instance.
A.
Rs 25000
B.
Rs 50000
C.
Rs 60000
D.
Rs 100000
7. Which of these is NOT the salient feature of
Micro Finance?
A.
Borrowers are from
the low-income group
B.
Loans are offered
without collaterals
C.
Long duration Loans
D.
High frequency of
repayment
8. Choose the point that does not comes under the
importance of Micro Finance.
A.
Financial Stability
B.
Harnessing Local
Capital
C.
Empowerment of Women
D.
Long duration Loans
9. Not less than ___________ of its net assets
are in the nature of "qualifying assets".
A.
75%
B.
85%
C.
65%
D.
50%
10. "Multiple Delivery Models" is an encouraging factor for microcredit in the country which is a single point
delivery model.
A. True
B.
False
Chapter-16;
BC-BF Model; A vehicle for financial inclusion
1. The scope of the activities to be undertaken
by the Business Correspondent will not include:
A.
disbursal of small
value credit
B.
recovery of principal
and collection of interest from the borrower
C.
collection of small
value deposits
D.
payment of demand
drafts not exceeding Rs 1000
2. Banks cannot use the services of one of the
following as intermediaries under BC/BF Model.
A.
NGO's
B.
SHGs
C.
Village Sarpanch
D.
MFIs
3. The farmer's Cash Budget can be prepared on
the basis of ____________
A.
census report
B.
bank manager's report
C.
BC/BFs report
D.
cashier's report
4. Which of these Borrower's Profile are NOT
required by banks to take credit decisions?
A.
Cash Flow Pattern
B.
Annual Net income of
the household
C.
Land Holding
D.
IT Return details
5. The BC/BF idea has come from ____________
where retail vendors, lottery outlets and post offices double as bank branches.
A.
England
B.
Brazil
C.
China
D.
Sweden
6. Banks are not expected to any risk because of
the outsourced activity.
A.
True
B.
False
7. Public confidence and customer trust are very
important for the success of the outsourcing model and the achievement of the
goal of financial inclusion.
A.
True
B.
False
8. Who among the following CANNOT be engaged as
Business Facilitator?
A.
Retired Bank
Employees
B.
IT Professionals
C.
Ex-Servicemen
D.
Insurance Agents
9. Major roles of Business Correspondent and
Facilitator in rural development is ______________ of prospective borrower.
A.
suitability
B.
clarification
C.
identification
D.
demonstrration
10. Public confidence and customer trust is very
important for the success of the outsourcing model and the achievement of the
goal of _______________ inclusion.
A.
commercial
B.
political
C.
civil
D.
financial
The bold option is the correct answer.
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