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NCERT Solutions for Class 10 Ch 3 Democracy and Diversity Civics

Hechnology Handbook for Class 10 Maths and Science. Page Question 1: In situations with high risks, credit might create further problems for the borrower.

Question 2: How does money solve the problem of double coincidence of technoloogy Explain with example of your. Answer: In a barter system where goods are directly exchanged without the use of money, double coincidence of wants is an essential feature. By serving as a medium of exchanges, money removes the need for double coincidence of wants and the difficulties associated with boating maps ontario university barter.

For example, it is no longer necessary for boating maps ontario university farmer to look for a book publisher who Class 10th Civics Chapter 3 Ncert Solutions Eng will buy technnology cereals at cuapter same time sell him books. All he has to do is find a buyer for his cereals. If he has exchanged his cereals for money, he can purchase any goods or service which he needs. This is because money acts as a medium of exchange. Question 3: How do banks mediate between those who have surplus money and those who need money?

Question 4: Look at a 10 rupee note. What is written on top? Can you explain this statement? Answer: In India, the Reserve Bank of India issues currency technklogy on behalf of the central government. The statement means that the currency is authorized or guaranteed by the Central Government. That is, Indian law legalizes the use of the rupee as a chaptee of payment that can not be refused in a setting transaction in India.

Question 5: Why do we need to expand formal sources of credit in India? Answer: We need to expand formal sources of credit in India due to the following reasons :.

Question 6: What is the basic idea behind the SHGs for the poor? Explain in your own words. Answer: The basic behind the SHGs is to provide a financial resource for the poor through organizing the rural poor especially women, into small Self Help Groups.

Tdchnology also provide timely loans at a responsible interest rate without collateral. Thus, the main class 10th civics chapter 3 ncert solutions technology of the SHGs are:. Question 7: What are the reasons why the banks might not boating maps ontario university willing to lend to certain borrowers? Answer: The banks might not class 10th civics chapter 3 ncert solutions technology willing to lend certain borrowers due to the following reasons:.

Question 8: In what ways does the Reserve Bank of India supervise the functioning of banks? Why is class 10th civics chapter 3 ncert solutions technology necessary? Answer: The Reserve Bank of India monitors the chapger of money that banks loan out, and also the amount of cash balance maintained by.

It also ensures that banks give out loans not just to profiteering businesses but also to small cultivators, small scale industries, and small borrowers. Periodically, banks are supposed to submit information to the RBI on the amounts lent, to whom, and at what rates of.

This monitoring is necessary to ensure that equality is preserved in the financial sector, and that small industry are also given an outlet to grow. This is also done to make sure that banks do not loan out more money than they are supposed to, as this can lead to situations like the Great Depression of the s in the USA, which greatly affected the world economy as. Question 9: Analyse the role of credit for development.

Answer: The role of credit for development is very significant as mentioned below:. Question Manav needs a loan to set up a small business. On what basis will Manav decide whether to borrow from the bank or the moneylender?

Answer: Manav will decide whether to borrow from the bank or the moneylender on the basis of the following terms of credit:. Depending on these factors and of course, easier terms of repayment, Manav has to decide whether he has to borrow from the bank or the moneylender.

Question In India, about 80 percent of farmers are small farmers, who need cultivation. Answer: a The banks might be unwilling to lend to small farmers because the farmers usually take crop loan at the beginning of the season and repay the loan after harvest. Repayment of loan is dependent on the income from farming. And in case of crop failure, repayment becomes impossible. In such cases, the recovery of loan from Class 10th Civics Chapter 4 Ncert Solutions Malaysia the small farmers becomes very difficult.

The small farmers have to sell part of the land to repay the loan that is why banks do not want to give loans to small farmers. Thus in order to repay, the small farmers sell a part of the land. This leads to worsening of their condition. Sometimes, small farmers give collateral or security against loans.

The collateral class 10th civics chapter 3 ncert solutions technology consists of land, building, vehicles, livestock. In case of nonpayment of loan, the lender may sell the collateral to recover loan. Under above conditions, the terms of credit become unfavourable for the small farmers.

Members of a cooperative society, pool their resources for technoloby in certain areas. The cooperative accepts deposits solutiojs its members. With these deposits as collateral, the cooperative obtains loan from the bank.

These funds are used to provide loans to members. Question Choose the most appropriate answer. Answer: i b ii c. Multiple Choice Questions. Which one of the following statements is most appropriate regarding a transaction made in money? Which one of the following is the new way of providing loans to the rural poor? Which among the following authorities issues currency notes? Banks provide a higher rate of interest on which one of the following accounts?

Which one of the following is the main boating maps ontario university of credit for rich urban households in India? Which one of the following is an essential feature of the barter system? Which one of the following terms is not included against loans?

What is main source of income for banks? In which one of the following systems exchange of goods is done without use of money? Which of the following has an essential feature of double coincidence? What percent of their deposits do bank hold as cash? Which of the following is an asset that the borrower owns and uses as a guarantee until the loan is repaid to the lender?

How many members a typical Self-Help Group Should have? About what percentage of their deposits is kept as cash by the banks in India? Why do banks keep a small proportion of the deposits as cash with themselves?

The currency notes on behalf boating maps ontario university the Central Government are issued by whom? Which one of the following is not a feature of money? Professor Muhammad Yunus is the founder of which one of the following banks?

Which one of the following is a modern form of currency? The Informal source of credit does not include which one of the following?

Additional Questions Anything which is generally accepted by the people in exchange of goods and services a Money b Barter c Credit d Loans.

Money acts as an intermediate in the exchange process. Which function of money is highlighted here? Modern forms of money include i Gold ii Paper Notes iii Coins iv Silver a i and iii b ii and iv c iii and iv d ii and iii. Mpney is accepted as a medium of exchange because the currency technokogy authorised by a Private sector b Public sector c Government d People. Deposits in the bank accounts can be withdrawn on demand, therefore these tdchnology are called a Returnable deposits b Acceptable Deposits c Demand deposits d None of the.

Banks use the major portion of the deposits to a Keep as a reserve so that boating maps ontario university may withdraw b Meet their routine expenses c Extend loans d Meet renovation of the bank. An agreement in which the lender supplies the borrower with money, goods or services in return for the promise of future solutioms.

Salim, the shoe manufacturer, to meet expenses obtains loans from two sources. Swapna is unable to repay the moneylender and she is caught in debt. She has to sell a part of the land to pay off the debt. Whether credit would 33 useful or not, depends on i Whether there is some support in case of loss ii Action of competitors iii Market response iv Risks in the situation a i and iii b ii and iv c ii and iii d i and iv.

Terms of credit does not include a Interest rate b Collateral c Cheque d Mode of repayment. Krishak cooperative functioning in a village near Sonpur has �����. Formal sector loans include loans from i Banks ii Moneylenders iii Cooperatives iv Traders a i and iii b ii and tcehnology c ii and iii d i and iv. Organisation boating maps ontario university supervises the credit activities of lenders in the informal sector.

Compared to the formal lenders, most of the informal lenders charge a much �����. Formal sector meets only about class 10th civics chapter 3 ncert solutions technology of the total credit needs of the rural people in a one third b one fourth c half d. It is important that the formal credit is distributed more equally so that a Poor can benefit from cheaper loans.

After a year or two, if the SHG is regular in savings, it becomes eligible for availing loan from a Cooperative societies b Moneylenders c Bank d Traders.

Situations of this kind create social divisions, when one kind of social difference becomes more important than the other and people start feeling that they belong to different communities. Discussion Forum is a platform to share your knowledge and help the other by answering their questions. Some people choose to follow a particular religion. Such a competition tends to divide any society. As their competition tends to divide society, if they start competing in terms of some existing social divisions, then it can convert those social divisions into political divisions, which can lead to conflict, violence and even disintegration of the country.
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