Impact of cash in hand in the total priority sector lending: an empirical assessment


  • Achmad Husaini Universitas Brawijaya, Indonesia
  • Maria K Tupamahu Universitas Pattimura, Ambon, Indonesia
  • Rulinawaty Universitas Terbuka, Indonesia
  • Bibhu Prasad Sahoo Assistant Professor, Department of Commerce, SGTB Khalsa, College University of Delhi, India
  • Rahul Chauhan Assistant Professor, Parul Institute of Business Administration, Parul University, Vadodara, India


cash in hand, empirical assessment, funds, nationalized bank


As a major lending institution, nationalized banks in India have the major responsibilities for achieving the government's socio-economic objectives like growth in agriculture, education, small scale sector, and housing in the backward area. This is because, in emergent countries like India, the availability of funds for the above priority sectors is scarce. Hence, in this paper, we aim to see any impact of cash in hand on lending to the priority sector. The article analyzes secondary data of 12 years periods starting from 1st April 2006 to 31st March 2018 (total span of 12 years). The outcome indicates nationalized bank's ability to generate priority sector loans is checked by the availability of cash in hand.


Download data is not yet available.


Agussalim, M., Limakrisna, N., & Ali, H. (2017). Mutual funds performance: conventional and Sharia product. International Journal of Economics and Financial Issues, 7(4).

Ali, H. Mukhtar, & Sofwan. (2016). Work ethos and effectiveness of management transformative leadership boarding school in the Jambi Province. International Journal of Applied Business and Economic Research, 14(11), 7451-7471.

Assagaf, A., & Ali, H. (2017). Determinants of financial performance of state-owned enterprises with government subsidy as moderator. International Journal of Economics and Financial Issues, 7(4).

Berger, A. N., Klapper, L. F., Peria, M. S. M., & Zaidi, R. (2008). Bank ownership type and banking relationships. Journal of Financial Intermediation, 17(1), 37-62.

Chanana, M., & Gupta, K. (2016). Quality of work life and its impact on job performance: a study of SBI & HDFC banking professionals. International Research Journal of Management, IT and Social Sciences, 3(5), 16-24.

Cumming, D. (2007). Government policy towards entrepreneurial finance: Innovation investment funds. Journal of Business Venturing, 22(2), 193-235.

Desfiandi, A., Fionita, I., & Ali, H. (2017). Implementation of the information systems and the creative economy for the competitive advantages on tourism in the province of Lampung. International Journal of Economic Research, 14(2), 123-139.

Desfiandi, A., Yusendra, M. A. E., Paramitasari, N., & Ali, H. (2019). Supply chain strategy development for business and technological institution in developing start-up based on creative economy. Int. J. Supply Chain Manag, 8(6), 646-654.

Dutz, M. A., & Vagliasindi, M. (2000). Competition policy implementation in transition economies: an empirical assessment. European economic review, 44(4-6), 762-772.

Fischli, A. E., Godfraind, T., & Purchase, I. F. H. (1998). Natural and anthropogenic environmental oestrogens: the scientific basis for risk assessment. Pure Appl. Chem, 70(9), 1863-1865.

Fung, W., & Hsieh, D. A. (1999). A primer on hedge funds. Journal of empirical finance, 6(3), 309-331.

Giridhar, K. V. (2018). "Problem & prospects of priority sector lendings," Shanlax international journal of commerce, PP-155-161.

Jumali, S. B., Sale, C., Domai, T., & Indrasari, M. (2019). Utilization regional assets in the framework of regional fiscal potential (Study of asset management in Blitar District). J Adv Res Dyn Control Syst, 11(7), 249-256.

Mansur, S., & Ali, H. (2017). Impact of customer engagement to reputation of the Bri Syariah Indonesia. International Journal of Economic Research, 14(19), 425-431.

Maseleno, A., Huda, M., Jasmi, K. A., Basiron, B., Mustari, I., Don, A. G., & bin Ahmad, R. (2019). Hau-Kashyap approach for student’s level of expertise. Egyptian Informatics Journal, 20(1), 27-32.

Nagarajan, G., Sathyanarayana, N., & Asifali, A. (2013). Non-Performing Assets is a Threat to India Banking Sector-A Comparative Study Between Priority And Non-Priority Sector Lending In Public Sector Banks. International Journal of Advanced Research in Management and Social Sciences, 2(11), 29-43.

Nanuru, R. F., & Utama, M. D. (2019, November). Dynamics of proposition and funding of lecturers’ research proposal at private universities in higher education service institutes region XII–Indonesia. In ICASI 2019: Proceedings of The 2nd International Conference On Advance And Scientific Innovation, ICASI 2019, 18 July, Banda Aceh, Indonesia (p. 73). European Alliance for Innovation.

O'Leary-Kelly, S. W., & Vokurka, R. J. (1998). The empirical assessment of construct validity. Journal of operations management, 16(4), 387-405.

Panda, S. K., Panda, G. P., & Swain, A. K. (2017). Determinants of Priority Sector Lending of Indian Public Sector Banks: An Econometric Analysis. International Journal of Research-GRANTHAALAYAH, 5(7), 461-473.

Pooranam, G., & Nandhini, K. (2018). A Study on Customer Satisfaction on Commercial Banks in Theni District. International Research Journal of Management, IT and Social Sciences, 5(2), 41-46.

Prasad, S. B., & Karman, K. (2019). Nationalised banks and Long term Lending behavior to Agriculture sector in India. International journal of Innovative Technology and Exploring Engineering, 8.

Sahoo, D., Singh, A., & Jain, N. (2016). A Study of Long Term Trend in Behavior of Lending to Micro and Small Enterprises with Reference to Nationalized Banks in India. Journal of Commerce & Business Studies, 3(1).

Spantig, L. (2021). Cash in hand and savings decisions. Journal of Economic Behavior & Organization, 188, 1206-1220.

Williams, D. A., & Thorn, B. E. (1989). An empirical assessment of pain beliefs. Pain, 36(3), 351-358.

Yacob, S., & Sucherly, S. D., Mulyana, A., & Ali, H.(2020). An Optimising strategy for minimarket modern retail business performance in Indonesia. International Journal of Innovation, Creativity and Change.

Yong, J. C., & Li, N. P. (2012). Cash in hand, want better looking mate: Significant resource cues raise men’s mating standards. Personality and Individual Differences, 53(1), 55-58.

Yunus, E., & Indrasari, M. (2017). Opportunities and challenges of tourism industry. International Journal of Economic Research, 14(7), 277-291.



How to Cite

Husaini, A., Tupamahu, M. K., Rulinawaty, R., Sahoo, B. P., & Chauhan, R. (2021). Impact of cash in hand in the total priority sector lending: an empirical assessment. Linguistics and Culture Review, 5(S3), 74-80.



Research Articles