• Kul Bahadur Chettri
• Kesang Wangmo Bhutia

ABSTRACT: Credit market has today become a very popular and convenient instrument for economic deliberations in developing countries, especially for the upliftment of poor. Sikkim SC, ST & OBC Development Corporation Limited (SABCCO) is a State Channelising Agency (SCA) which avails financial assistance by way of loan from Apex Corporations, viz. the National Scheduled Tribes Finance and Development Corporation (NSTFDC), National Scheduled Castes Finance and Development Corporation (NSFDC), National Backward Classes Finance and Development Corporation (NBFDC) for financing income generating schemes for the STs, SCs, OBCs and handicapped persons. Corporation identifies beneficiaries, disburses loans, monitors the utilization of loans by the beneficiaries and timely recovers of the loans. This paper discussed on the loans sanctioned and disbursed by the SABCCO from 1996-97 to 2012-13 to the different social groups in Sikkim. It also deals about the district-wise analysis of assistance sanctioned from 1996 to 2010. This paper also sought to identify caste category which had availed the maximum benefits and try to find out the social and economic exclusion and discrimination if exist. Secondary sources have been utilised to analysed the results through descriptive and statistical tools. It is found that an overall SABCCO had provided maximum loan to STs than other social groups and there is some sort of credit discrimination among the social groups in Sikkim.

Keywords: Sikkim, Financial Assistance, SC, ST and OBC, Beneficiaries.

"CREDIT DISBURSEMENT THROUGH SABCCO TO DIFFERENT SOCIAL CATEGORIES AND ITS IMPLICATIONS IN SIKKIM", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 6, page no.946-950, June-2018, Available :http://www.jetir.org/papers/JETIR1806389.pdf

"CREDIT DISBURSEMENT THROUGH SABCCO TO DIFFERENT SOCIAL CATEGORIES AND ITS IMPLICATIONS IN SIKKIM", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 6, page no. pp946-950, June-2018, Available at : http://www.jetir.org/papers/JETIR1806389.pdf