Justin, Nelson Michael (2010): Co-operative Credit Delinquency: Identification of Factors Discriminating Defaulters. Forthcoming in:
Download (92kB) | Preview
Co-operative movement dawned in India a century ago to eradicate indebtedness and to accelerate agricultural production in India. Co-operatives are eminently suited to achieve social, economic changes in rural India. However, credit risk is acute in co-operative credit system, predominantly manifested in short-term credit. Delinquency of co-operative credit is the object of enquiry for many committees and researches. Mounting overdues at the level of Primary Agricultural Co-operative Banks (PACB) contribute to the accumulation of Non-performing Assets (NPA) in the Central Co-operative Banks (CCB). Willful default has been identified as the main reason for mounting overdues. This empirical study of defaulters of co-operative credit has examined the factors discriminating default of co-operative credit, which subsequently increase NPA. Univariate Analysis and Discriminant Function analysis was carried out to identify the factors. Such identification of factors discriminating credit default is crucial to reduce credit delinquency in co-operative credit system.
|Item Type:||MPRA Paper|
|Original Title:||Co-operative Credit Delinquency: Identification of Factors Discriminating Defaulters|
|Keywords:||credit risk; credit delinquency; co-operative credit; willful default|
|Subjects:||E - Macroeconomics and Monetary Economics > E5 - Monetary Policy, Central Banking, and the Supply of Money and Credit > E51 - Money Supply ; Credit ; Money Multipliers
G - Financial Economics > G3 - Corporate Finance and Governance > G32 - Financing Policy ; Financial Risk and Risk Management ; Capital and Ownership Structure ; Value of Firms ; Goodwill
G - Financial Economics > G2 - Financial Institutions and Services > G21 - Banks ; Depository Institutions ; Micro Finance Institutions ; Mortgages
|Depositing User:||Nelson Michael Justin|
|Date Deposited:||10. Mar 2011 22:08|
|Last Modified:||11. Feb 2013 17:06|
Balishter, A. K. Singh and Vishwajit (1994). A study of overdues of loans in agriculture. Indian Co-operative Review. 31. 4, 377-383.
Dadhich, C. (1977). Overdues in Farm Co-operative Credit : A Study of Rajasthan. Bombay: Popular Prakasan.
Das, Debrata (2002). Utilisation pattern of co-operative credit: a case study. Co-operative Perspective. 36.4, 23-29.
Georgekutty, V. V. (2000). Non-performing assets (NPA) in agricultural and rural development banks. Indian Commerce Bulletin. 4.1&2, 108-116.
GOI (1972). Report of the Banking Commission. New Delhi: Author.
Government of India (GOI), Planning Commission (1997). Fifth Five Year Plan. New Delhi: Author.
Iyer, T. N. Anantharam. (1999, Apr.-June). Bank supervision and the management of non-performing advances. The Journal of the Indian Institute of Bankers.
Kalyankar, S. P. (1983). Crop Loan Overdues of Co-operative Finance. Coimbatore: Rainbow Publications.
Murty, C. S. and Durga, C. (1998). Restructuring institutional credit for equity and efficiency. Indian Co-operative Review. 36.2, 171–177.
Puyalvanan, P. (1998). A study on overdues, recovery performance and erosion of funds in central co-operative banks. Co-operative Perspective. 32.2, 6-16.
Rao, M. Kutumba (1981). Management of Central Co-operative Banks. New Delhi: Ashish Publishing Co. Ltd.
Ravichandran, K. (2000). Crop Loan System and Overdues. Rohtak: Spell Bound Publications.
RBI (1954). Report of the All India Rural Credit Survey Committee. Bombay: Author.
RBI (1974). The Report of the Study Team on Overdues in Co-operative Credit Institutions. Bombay: Author.
RBI (1978). Special Study. Bombay: Author. RBI (1981). The Report of the Committee to Review Arrangements for Institutional Credit for Agricultural and Rural Development (CRAFICARD). Bombay: Author.
RBI (1989). A Review of the Agricultural Credit System in India. Bombay: Author.
Sarma, R. H. (1996, Mar). Product market risk (default /credit risk). The Journal of the Indian Institute of Bankers.
Singh, J. P. and Rawat, S. K. (1999). Discriminant function analysis in the loans of cooperatives with special reference to Hamirpur district of Uttar Pradesh. Indian Co-operative Review. 37.2, 69-73.
Toor, N. S. (1998). Non-performing Advances in Banks. New Delhi: Skylark Publications.
Available Versions of this Item
- Co-operative Credit Delinquency: Identification of Factors Discriminating Defaulters. (deposited 10. Mar 2011 22:08) [Currently Displayed]