Emmanuel V Murray | Institute of Rural Management Anand (original) (raw)

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Papers by Emmanuel V Murray

The basics of when to borrow, why to borrow and from whom to borrow and how much to borrow.

A presentation made on 11th January 2022.

The note argues that pricing of credit for the poor needs to be done with application of mind bas... more The note argues that pricing of credit for the poor needs to be done with application of mind based on their capacity to pay.

This paper highlights the points to be considered for systematic and successful implementation of... more This paper highlights the points to be considered for systematic and successful implementation of the FPO program.

This article looks at how the centralization of Decision Making in the hands of a few in Indian O... more This article looks at how the centralization of Decision Making in the hands of a few in Indian Organizations of all hues adversely impacts the Organization and the people who work in it. Is it unique to Indian Culture? I do not know.

An autobiographical experience in trying to get a bank loan and the challenges faced.

I was asked to share my thoughts on the Mandate and Scope that the NABARD Foundation should have.... more I was asked to share my thoughts on the Mandate and Scope that the NABARD Foundation should have. Putting it here for wider dissemination.

Sharing a personal experience from the days I was in the Training field.

A brief biography of true leaders that I have had the privilege to work with in my career.

The note explains how the FPO is not taken as a serious competitor by traders.

A brief report on a programme on Entrepreneurship for Engineering Graduates, and the challenges t... more A brief report on a programme on Entrepreneurship for Engineering Graduates, and the challenges thereof.

The Title is Self-Explanatory.

A review of performance of Incubators in India and some suggestions for consideration.

A Scoping Exercise on the possibility of an Agri focused Incubator providing Seed Investment to i... more A Scoping Exercise on the possibility of an Agri focused Incubator providing Seed Investment to its portfolio companies in debt mode.
This is now a reality and become operational.

Transcript of my Talk at a Programme organized by Rabobank, ThinkAg and Access Development Servic... more Transcript of my Talk at a Programme organized by Rabobank, ThinkAg and Access Development Services on 30th August 2019 at New Delhi on Exploring Opportunities for FPOs & AgTechs.

Some personal notes on Banker-Bureaucrat relationship and how it is unproductive for everybody.

My experience of working with an exceptional and rare bureaucrat with his heart in the right place.

Some pointers on things that need doing in the FPO space.

This is a brief narrative on grooming 30 new recruits to NABARD into officers.

A free-flowing discussion on the offer of some Agri Startups to computerize Farmer Producer Organ... more A free-flowing discussion on the offer of some Agri Startups to computerize Farmer Producer Organizations and the apprehensions FPOs have about taking up the offer.

The basics of when to borrow, why to borrow and from whom to borrow and how much to borrow.

A presentation made on 11th January 2022.

An autobiographical experience in trying to get a bank loan and the challenges faced.

Sharing a personal experience from the days I was in the Training field.

A brief biography of true leaders that I have had the privilege to work with in my career.

The note explains how the FPO is not taken as a serious competitor by traders.

The Title is Self-Explanatory.

A review of performance of Incubators in India and some suggestions for consideration.

Some personal notes on Banker-Bureaucrat relationship and how it is unproductive for everybody.

My experience of working with an exceptional and rare bureaucrat with his heart in the right place.

Some pointers on things that need doing in the FPO space.

This is a brief narrative on grooming 30 new recruits to NABARD into officers.

Presentation at a Session on Internal Control Systems.

LinkedIn Publishing, 2020

My presentation at a Webinar on Making Farmer Producer Organisations into Successful Businesses

A presentation to the students of the PG Programme in Management of NAARM, Hyderabad on India's e... more A presentation to the students of the PG Programme in Management of NAARM, Hyderabad on India's experience with Credit-led Development and the Challenges faced.

A presentation on Circular Economy made to the in-house team at Caspian

A presentation made at the Institute of Rural Management's EDP on "Building & Managing Social Ent... more A presentation made at the Institute of Rural Management's EDP on "Building & Managing Social Enterprises", on the subject of Funding.

A presentation on Agricultural Lending in India & the Risks associated with it.

A presentation on Change Management made to the Directors of Maharashtra State Co-operative Bank

A presentation on Agriculture Value Chains based on the experience gained from studying the work ... more A presentation on Agriculture Value Chains based on the experience gained from studying the work of various institutions in India over several years.

A graduation lecture to the students of the MBA programme of National Academy of Agricultural Res... more A graduation lecture to the students of the MBA programme of National Academy of Agricultural Research Management (NAARM) in 2012.

The presentation covers the risks faced by Indian financial co-operatives and the ways to address... more The presentation covers the risks faced by Indian financial co-operatives and the ways to address/mitigate the risks.

A presentation made in June 2008 to the National Disaster Management Authority of India on Microf... more A presentation made in June 2008 to the National Disaster Management Authority of India on Microfinance & Disaster Management.

A presentation on Rural Management to the Rural Management students of Xavier University, Bhubane... more A presentation on Rural Management to the Rural Management students of Xavier University, Bhubaneswar by a participant in the evolution & development of the discipline.

Presentation of Flow of Credit to the Unorganised Sector

An exercise developed from a real-life case on Working Capital Assessment of a Small Enterprise

A case exercise in Micro Irrigation. Those interested may ask the author for the solution.

Facilitation is the process of taking a group through learning or change in a way that encourages... more Facilitation is the process of taking a group through learning or change in a way that encourages all members of the group to participate. This approach recognizes that each person has something unique and valuable to share. The facilitator's role is to draw out knowledge and ideas from different members of a group, to help encourage them to learn from each other, and to think and act together.

Farming is an age-old means of livelihood for millions of Indians. However, there have been few s... more Farming is an age-old means of livelihood for millions of Indians. However, there have been few systems in which farmers are assured of a market for their produce, leave alone a remunerative price. Farmers have on occasion had to throw away their produce for want of buyers. While this is one side of the coin, on the other is the agri-based and food industry, which requires timely and adequate input of quality agricultural produce. This underlying paradox of the Indian agricultural scenario has given birth to the concept of Contract Farming, which promises to provide a proper linkage between the 'farm and market.'

A brief & practical teaching note on Participatory Rural Appraisal.

The presentation explains the Case Method of teaching and how to conduct a Training Session using... more The presentation explains the Case Method of teaching and how to conduct a Training Session using the Case Method.

A simple exercise explaining how to prepare a Project Profile for a micro-enterprise.

Experience in India has been that irrigation infrastructure created is not well maintained and ov... more Experience in India has been that irrigation infrastructure created is not well maintained and over time, the efficiency sharply drops. The planned localisations of irrigated area are rarely fully achieved. Similarly, the O&M costs itself often exceed the annual collection of user charges, becoming a perpetual burden to State. In order to address these two issues, involving water users (farmers) in the O&M of projects was considered a viable option. This case study examines the experience of 2 WUAs in Andhra Pradesh in Community Management of Irrigation Projects.

The case presents the challenges in financing a Social Enterprise owned by Artisans with no credi... more The case presents the challenges in financing a Social Enterprise owned by Artisans with no credit history and an ambitious Business Plan, seeking to be funded. The case was developed and first used for discussion at the ASPEN Investment Managers Training from 12 - 16 September 2016 at Bangalore, India.

LinkedIn Publishing , 2020

Review of the Book Farming Futures on Agri Social Enterprises

In a market flooded with books on leadership, which one do you read? " What do Leaders Really Do?... more In a market flooded with books on leadership, which one do you read? " What do Leaders Really Do? " is a book that stands out in the crowd. It offers insight into the mind and methods of leaders from a diverse pool such as the Army (Major General Cordingley, Commander, Desert Rats), Intelligence (Dame Rimington, Director General, MI5), Sports (Nasser Hussain, Captain, England Cricket Team), Sports Administration (Sebastian Coe, Chairman, London Organising Committee of Olympic Games), and Broadcasting (Greg Dyke, Director General, BBC). The book is based on detailed interviews conducted with these leaders, where they explain themselves and their actions which brought them fame and recognition in their areas of work. A key thread that runs through the profile of all leaders studied is the must have core values of honesty, integrity and moral courage. To this is added the passion that they bring to their job. All the leaders say that they never started out to become leaders, but when the situation arose, they sized up to the position. While the nature versus nurture debate on leadership has no finality, all of the leaders studied credit their achievements in large measure to their upbringing, teachers and mentors. All leaders draw a tremendous amount of strength from the vision of where they wish to take their institution and the ability to communicate it and get everybody involved. Further, leaders have an instinctive ability to know the right time to take a decision. They are able to weigh up facts quickly and identify important information and do not shy away from accepting risk as a part of life and taking ultimate responsibility for decisions taken. Change management is one of the key areas of action for leaders. Leaders prepare the organization for change; persuade people to change and own change programmes without delegation. They involve employees in decisions and identify quick, visible wins that gain goodwill for long term change. Effective leaders have a high degree of self-awareness of their strengths and weaknesses and adapt an appropriate style. They are visible and accessible and avoid setting themselves apart from employees, while at the same time keeping professional distance. True leaders are inspirational and boost morale. They create an atmosphere where employees are valued and trusted and concentrate on creating a framework that enables employees to do their job efficiently. They delegate decision making downward and recognize and celebrate success and allow people to take risk. They are seen to rarely rely on motivational speeches.

This book is based on extensive fieldwork over an extended period of time, and documenting the cu... more This book is based on extensive fieldwork over an extended period of time, and documenting the current challenges facing rural India. A must read for anybody who is in any way involved with Rural Development.

A presentation on the Start-ups in Indian Agriculture made at the Reserve Bank of India's College... more A presentation on the Start-ups in Indian Agriculture made at the Reserve Bank of India's College of Agricultural Banking, Pune, India on 26 April 2017

Presentation made at the 1st National Agripreneurs’ Convention organised by National Institute of... more Presentation made at the 1st National Agripreneurs’ Convention organised by National Institute of Agricultural Extension Management (MANAGE), Hyderabad 7-9 March 2017.

While Farmers Producer Organisations are being promoted by various institutions, their ability to... more While Farmers Producer Organisations are being promoted by various institutions, their ability to access Credit has various challenges that this presentation attempts to articulate.

A presentation on the paper prepared by us on the same subject.