Abstract

The scheduled banks consist of commercial and co-operative banks. Co-operative banks are organized, controlled, planned, and managed on the principle of mutual co-operation. Co-operative Banks acts as a leader in financing the target groups in a rural area. In contemporary time there are several cooperative banks which are performing the significant and meaningful role of financial, supervisory, administrative and development in nature of expansion and development of cooperative credit system. The study examines the role of co-operative banks as a financial intuition in the state of Jammu and Kashmir. The study analyzes the performance of cooperative banks, functioning in J & K State. The study also finds the role of Baramulla Central Cooperative Bank Limited (BCCB) in providing microfinance to artisans to develop the indigenous handicrafts and to increase the livelihood of the artisan community

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