3) To determine whether the performance of RRBs significantly differs from before amalgamation period and after amalgamation period.
The trend analysis is used to compare the pre amalgamation period with post amalgamation period for spread, burden and profitability ratios.
Here, T-test is used to measure and analyze if the difference of Regional Rural Banks (RRBs) before amalgamation years significantly differs from after amalgamation years.
The growth rate (GR %) has also been calculated to analyze changes in the performance and compare them over the entire study period as well as in the pre amalgamation period and post amalgamation period.
The Government of India initiated amalgamation of RRBs in September 2005 to overcome the deficiencies.
Again in the year 2005-06, which was the starting amalgamation period ratio increased to 2.
The findings in this paper are based on telephone surveys of residents of the three amalgamated communities conducted in the fall of 2000 (Chatham-Kent) and winter of 2001 (Central Elgin, Kingston)--about three years after the amalgamations.
Prior to all three amalgamations there was a strong feeling from letters to the editor and other anecdotal and informal indicators that there was significant opposition to the amalgamations.
As Table 1 indicates, all three amalgamations had very little support before they occurred.
As residents saw the results of the amalgamations, more of them were able to choose sides one way or the other.
Interviews with community leaders indicated that there is still a significant amount of residual negative feelings about the amalgamations, which were generally viewed as forced, even if they were the result of voluntary agreements.
Given the background to the reasons for this book, it is not unexpected that the positive outcomes of municipal amalgamation
have been downplayed.