The difficulty in getting the right type of finance at the right time and in the right quantity continues to haunt the small entrepreneurs and still ranks first among the major problems faced by the small sector. This being the situation, it has become relevant to conduct a study aimed at evaluating. the role and performance of the SFCs. A detailed study on the role of the KFC in the industrialisation of Kerala is highly worthwhile especially in the period of global recession. . Various provisions of the SFCs Act enjoin on the KFC to undertake the stupendous task of industrial development in the State concerned by providing long-term credit to the MSME segment. The study based on secondary data. Secondary data were collected from various official records and reports. The KFC still functions as a Government undertaking. The majority of its shares in value are held by the Government of Kerala (97.06 per cent). Its capital structure consists of both own capital and borrowed capital. It gives more weightage to debt capital. Capital to Risk - weighted Assets Ratio (CRAR) was at 21.57 % during the year 2013-14, as against the minimum of 9% prescribed. , Corporation could make significant improvement in its performance in all major operational areas, viz, Sanction, (AAG 44.51)Disbursement(AAG38.16) and Recovery(AAG12.22). Schemes of financial assistance of the Corporation cover a series of activities ranging from manufacture to marketing of goods and services. Regarding the trend of loan operations, the role of the KFC in the process of industrialisation is found to be increasing year by year as the total amount disbursed
The primary function of financial institution’s to lend funds as loans to various sectors such as agriculture, industry, personal loans, housing loans etc., in recent times the institutions have become very cautious in extending loans. The reason being mounting non-performing assets (NPAs). An NPA is defined as a loan asset, which has ceased to generate any income for a bank whether in the form of interest or principal repayment. In order to study the menace of NPA, Kerala Financial Corporation (KFC) the premier institution which provides long term finance for industrial enterprises and assistance to the sick units for the rehabilitation purpose has been selected. NPA is a serious problem faced by KFC. Non- performance in a loan asset is the bane of the financial institutions in India. It is the universal problem and can cripple the economy of any nation. Mounting non-performing assets in a banking sector was the main reason for the financial crisis in the South East Asian countries. The Net NPA of KFC as per the records shows a declining trend. There is a tendency among the beneficiaries of the corporation to delay repayment of the loans and some percentage of these payments also turns into bad debts. The NPA and loans and advances are negatively correlated. It shows that while the amount of loan increases over the years, NPA shows a declining trend. The total amount of loan increased year by year, because corporation introduces variety of new loan schemes.
A study of formalisation of human resource management practices in gujaratWriteKraft Dissertations
Writekraft Research and Publications LLP was initially formed, informally, in 2006 by a group of scholars to help fellow students. Gradually, with several dissertations, thesis and assignments receiving acclaim and a good grade, Writekraft was officially founded in 2011 . Since its establishment, Writekraft Research & Publications LLP is Guiding and Mentoring PhD Scholars.
Our Mission
“To provide breakthrough research works to our clients through Perseverant efforts towards creativity and innovation”.
Vision
Writekraft endeavours to be the leading global research and publications company that will fulfil all research needs of our clients. We will achieve this vision through:
Analyzing every customer’s aims, objectives and purpose of research
Using advanced and latest tools and technique of research and analysis
Coordinating and including their own ideas and knowledge
Providing the desired inferences and results of the research
In the past decade, we have successfully assisted students from various universities in India and globally. We at Writekraft Research & Publications LLP head office in Kanpur, India are most trusted and professional Research, Writing, Guidance and Publication Service Provider for PhD. Our services meet all your PhD Admissions, Thesis Preparation and Research Paper Publication needs with highest regards for the quality you prefer.
Comparative Analysis of Financial Statement OfIT industriesPranav Veerani
Comparative Analysis of Financial Statement
OfIT industries
INTERNATIONAL ACCOUNTING PRACTICES
GRADUATE SCHOOL OF MANAGEMENT STUDIES
Comparative Analysis
Introduction of IT industry
TCS
Infosys Limited
HCL Technologies
Wipro Ltd
Tech Mahindra Ltd.
Comparative of company
Gujarat Technological University, Ahmadabad
Academic Year: 2018-20
The primary function of financial institution’s to lend funds as loans to various sectors such as agriculture, industry, personal loans, housing loans etc., in recent times the institutions have become very cautious in extending loans. The reason being mounting non-performing assets (NPAs). An NPA is defined as a loan asset, which has ceased to generate any income for a bank whether in the form of interest or principal repayment. In order to study the menace of NPA, Kerala Financial Corporation (KFC) the premier institution which provides long term finance for industrial enterprises and assistance to the sick units for the rehabilitation purpose has been selected. NPA is a serious problem faced by KFC. Non- performance in a loan asset is the bane of the financial institutions in India. It is the universal problem and can cripple the economy of any nation. Mounting non-performing assets in a banking sector was the main reason for the financial crisis in the South East Asian countries. The Net NPA of KFC as per the records shows a declining trend. There is a tendency among the beneficiaries of the corporation to delay repayment of the loans and some percentage of these payments also turns into bad debts. The NPA and loans and advances are negatively correlated. It shows that while the amount of loan increases over the years, NPA shows a declining trend. The total amount of loan increased year by year, because corporation introduces variety of new loan schemes.
A study of formalisation of human resource management practices in gujaratWriteKraft Dissertations
Writekraft Research and Publications LLP was initially formed, informally, in 2006 by a group of scholars to help fellow students. Gradually, with several dissertations, thesis and assignments receiving acclaim and a good grade, Writekraft was officially founded in 2011 . Since its establishment, Writekraft Research & Publications LLP is Guiding and Mentoring PhD Scholars.
Our Mission
“To provide breakthrough research works to our clients through Perseverant efforts towards creativity and innovation”.
Vision
Writekraft endeavours to be the leading global research and publications company that will fulfil all research needs of our clients. We will achieve this vision through:
Analyzing every customer’s aims, objectives and purpose of research
Using advanced and latest tools and technique of research and analysis
Coordinating and including their own ideas and knowledge
Providing the desired inferences and results of the research
In the past decade, we have successfully assisted students from various universities in India and globally. We at Writekraft Research & Publications LLP head office in Kanpur, India are most trusted and professional Research, Writing, Guidance and Publication Service Provider for PhD. Our services meet all your PhD Admissions, Thesis Preparation and Research Paper Publication needs with highest regards for the quality you prefer.
Comparative Analysis of Financial Statement OfIT industriesPranav Veerani
Comparative Analysis of Financial Statement
OfIT industries
INTERNATIONAL ACCOUNTING PRACTICES
GRADUATE SCHOOL OF MANAGEMENT STUDIES
Comparative Analysis
Introduction of IT industry
TCS
Infosys Limited
HCL Technologies
Wipro Ltd
Tech Mahindra Ltd.
Comparative of company
Gujarat Technological University, Ahmadabad
Academic Year: 2018-20
SME Loan Lending Activities&Reconciliation Processof IDLC Finance LimitedAyesha Sultana
The aim of my presentation is to give you a clear idea about how IDLC Finance Limited is leading their SME Loan & how they run their Reconciliation Process.
It is sip presentation on the topic of a financial statement analysis and interpretation of a company for present project report or our SIP objective and findings.
A Study on Financial Performance in Kumbakonam Mutual Benefit Fund Limitedijtsrd
The title of this project is an “A study of financial performance of KUMBAKONAM MUTUAL BENEFIT FUND LTD., and this is solely an internal analysis of the organization. The project aims at analysing the operating efficiency using ratio analysis and to suggest measures for improving the operating efficiency of the company. The source of data collection for this study includes primary and secondary data, particularly balance sheet profit and loss accounts collected from the organization was carried out and studies. Keerthana V | R. Rengarajan "A Study on Financial Performance in Kumbakonam Mutual Benefit Fund Limited" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-3 , April 2020, URL: https://www.ijtsrd.com/papers/ijtsrd30616.pdf Paper Url :https://www.ijtsrd.com/management/accounting-and-finance/30616/a-study-on-financial-performance-in-kumbakonam-mutual-benefit-fund-limited/keerthana-v
A Comparative Study on Working Capital Management of Tata Motors Limited and ...Dr. Amarjeet Singh
The automobile industry in India is one of the speedily growing industry. Working Capital Management is important in this industry due to increasing demand and huge investment in this sector requires proper management. Working Capital Management perform a vital role in the success and failure of a business due to its effect on the performance and liquidity. Thereby this study has been undertaken to Comparative analyse working capital management of Tata Motors Limited and Maruti Suzuki India Limited for the period of seven years from 2013-14 to 2019-20. In this study three objectives are set for research. The first one was to assess the impact of working capital on sales, second was to assess the impact of working capital on profitability and third was to evaluate the working capital performance of the companies under study through the use of various financial ratios. The study reflects that the efficiency of working capital management of the companies is influenced by the Liquidity Ratios, Debtor Turnover Ratio, Inventory Turnover Ratio and profitability Ratio.
Financial intermediation is a crucial function of Banks, Non-Banking financial companies (NBFCs) and Development Financial Institutions (DFIs) the post reform period in India is characterized by phenomenal growth of NBFCs complementing the role of banks in mobilizing funds and making it available for investment purposes. During the last decade NBFCs have undergone wide volatility and change as an industry and have been witnessing considerable business upheaval over the last decade because of market dynamics, public sentiments and regulatory environment. To evaluate the soundness of NBFCs in Tamil Nadu over a decade, the authors made an attempt of CAMEL criteria for analysis of selected Companies. For this purpose, out of 36 NBFCs in Tamil Nadu 4 Government Companies, 13 Small Companies and 13 Small Companies and another 13 Top Companies were selected as sample respondents on the basis of multi-stage random sampling, to evaluate soundness of each NBFCs through Capital Adequacy, Asset Quality, Management quality, Earnings and Liquidity, Based on findings the suggestions were offered to overcome the difficulties face by selected NBFCs in their development.
A study of formalisation of human resource management practices in gujarat [w...WriteKraft Dissertations
Writekraft Research and Publications LLP was initially formed, informally, in 2006 by a group of scholars to help fellow students. Gradually, with several dissertations, thesis and assignments receiving acclaim and a good grade, Writekraft was officially founded in 2011 Since its establishment, Writekraft Research & Publications LLP is Guiding and Mentoring PhD Scholars.
Our Mission:
To provide breakthrough research works to our clients through Perseverant efforts towards creativity and innovation”.
Vision:
Writekraft endeavours to be the leading global research and publications company that will fulfil all research needs of our clients. We will achieve this vision through:
Analyzing every customer's aims, objectives and purpose of research
Using advanced and latest tools and technique of research and analysis
Coordinating and including their own ideas and knowledge
Providing the desired inferences and results of the research
In the past decade, we have successfully assisted students from various universities in India and globally. We at Writekraft Research & Publications LLP head office in Kanpur, India are most trusted and professional Research, Writing, Guidance and Publication Service Provider for PhD. Our services meet all your PhD Admissions, Thesis Preparation and Research Paper Publication needs with highest regards for the quality you prefer.
Our Achievements:
NATIONAL AWARD FOR BEST RESEARCH PROJECT (By Hon. President APJ Abdul Kalam)
GOLD MEDAL FOR RESEARCH ON DISABILITY (By Disabled’s Club of India)
NOMINATED FOR BEST MSME AWARDS 2017
5 STAR RATING ON GOOGLE
We have PhD experts from reputed institutions/ organizations like Indian Institute of Technology (IIT), Indian Institute of Management (IIM) and many more apex education institutions in India. Our works are tailored and drafted as per your requirements and are totally unique.
From past years our core advisory members, research team assisted research scholars from various universities from all corners of world.
Subjects/Areas We Cover:
Management, Commerce, Finance, Marketing, Psychology, Education, Sociology, Mass communications, English Literature, English Language, Law, History, Computer Science & Engineering, Electronics & Communication Engineering, Mechanical Engineering, Civil Engineering, Electrical Engineering, Pharmacy & Healthcare.
A study of formalisation of human resource management practices in gujarat [w...WriteKraft Dissertations
We started this Academic Writing Help in the year 2011.Writekraft Research & Publication: www.writekraft.com 1000s of students have graduated across the globe from our in-depth research.
We help students with the following services:
1. Thesis Writing (from 50 pages and above)
2. Dissertation writing
3. Research Writing for Publishing
4. Data Analysis
5. Research Proposal Writing
6. Study Plan
7. Plagiarism Report
Contact us at admin@writekraft.com OR call us on +917753818181, +919838033084
The charges are fair and we allow negotiations as per the student’s budget. You can also inbox me for more direction.
Medical journals play a crucial role in the field of healthcare and medicine. They serve as a cornerstone for disseminating new research findings, sharing clinical experiences, and promoting evidence-based practices.
Scientific research plays a pivotal role in advancing human knowledge and addressing complex global challenges. One of the most critical aspects of the scientific process is the dissemination of findings through scholarly journals. Researchers depend on reputable journals to publish their work, and these publications, in turn, shape the scientific landscape
SME Loan Lending Activities&Reconciliation Processof IDLC Finance LimitedAyesha Sultana
The aim of my presentation is to give you a clear idea about how IDLC Finance Limited is leading their SME Loan & how they run their Reconciliation Process.
It is sip presentation on the topic of a financial statement analysis and interpretation of a company for present project report or our SIP objective and findings.
A Study on Financial Performance in Kumbakonam Mutual Benefit Fund Limitedijtsrd
The title of this project is an “A study of financial performance of KUMBAKONAM MUTUAL BENEFIT FUND LTD., and this is solely an internal analysis of the organization. The project aims at analysing the operating efficiency using ratio analysis and to suggest measures for improving the operating efficiency of the company. The source of data collection for this study includes primary and secondary data, particularly balance sheet profit and loss accounts collected from the organization was carried out and studies. Keerthana V | R. Rengarajan "A Study on Financial Performance in Kumbakonam Mutual Benefit Fund Limited" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-4 | Issue-3 , April 2020, URL: https://www.ijtsrd.com/papers/ijtsrd30616.pdf Paper Url :https://www.ijtsrd.com/management/accounting-and-finance/30616/a-study-on-financial-performance-in-kumbakonam-mutual-benefit-fund-limited/keerthana-v
A Comparative Study on Working Capital Management of Tata Motors Limited and ...Dr. Amarjeet Singh
The automobile industry in India is one of the speedily growing industry. Working Capital Management is important in this industry due to increasing demand and huge investment in this sector requires proper management. Working Capital Management perform a vital role in the success and failure of a business due to its effect on the performance and liquidity. Thereby this study has been undertaken to Comparative analyse working capital management of Tata Motors Limited and Maruti Suzuki India Limited for the period of seven years from 2013-14 to 2019-20. In this study three objectives are set for research. The first one was to assess the impact of working capital on sales, second was to assess the impact of working capital on profitability and third was to evaluate the working capital performance of the companies under study through the use of various financial ratios. The study reflects that the efficiency of working capital management of the companies is influenced by the Liquidity Ratios, Debtor Turnover Ratio, Inventory Turnover Ratio and profitability Ratio.
Financial intermediation is a crucial function of Banks, Non-Banking financial companies (NBFCs) and Development Financial Institutions (DFIs) the post reform period in India is characterized by phenomenal growth of NBFCs complementing the role of banks in mobilizing funds and making it available for investment purposes. During the last decade NBFCs have undergone wide volatility and change as an industry and have been witnessing considerable business upheaval over the last decade because of market dynamics, public sentiments and regulatory environment. To evaluate the soundness of NBFCs in Tamil Nadu over a decade, the authors made an attempt of CAMEL criteria for analysis of selected Companies. For this purpose, out of 36 NBFCs in Tamil Nadu 4 Government Companies, 13 Small Companies and 13 Small Companies and another 13 Top Companies were selected as sample respondents on the basis of multi-stage random sampling, to evaluate soundness of each NBFCs through Capital Adequacy, Asset Quality, Management quality, Earnings and Liquidity, Based on findings the suggestions were offered to overcome the difficulties face by selected NBFCs in their development.
A study of formalisation of human resource management practices in gujarat [w...WriteKraft Dissertations
Writekraft Research and Publications LLP was initially formed, informally, in 2006 by a group of scholars to help fellow students. Gradually, with several dissertations, thesis and assignments receiving acclaim and a good grade, Writekraft was officially founded in 2011 Since its establishment, Writekraft Research & Publications LLP is Guiding and Mentoring PhD Scholars.
Our Mission:
To provide breakthrough research works to our clients through Perseverant efforts towards creativity and innovation”.
Vision:
Writekraft endeavours to be the leading global research and publications company that will fulfil all research needs of our clients. We will achieve this vision through:
Analyzing every customer's aims, objectives and purpose of research
Using advanced and latest tools and technique of research and analysis
Coordinating and including their own ideas and knowledge
Providing the desired inferences and results of the research
In the past decade, we have successfully assisted students from various universities in India and globally. We at Writekraft Research & Publications LLP head office in Kanpur, India are most trusted and professional Research, Writing, Guidance and Publication Service Provider for PhD. Our services meet all your PhD Admissions, Thesis Preparation and Research Paper Publication needs with highest regards for the quality you prefer.
Our Achievements:
NATIONAL AWARD FOR BEST RESEARCH PROJECT (By Hon. President APJ Abdul Kalam)
GOLD MEDAL FOR RESEARCH ON DISABILITY (By Disabled’s Club of India)
NOMINATED FOR BEST MSME AWARDS 2017
5 STAR RATING ON GOOGLE
We have PhD experts from reputed institutions/ organizations like Indian Institute of Technology (IIT), Indian Institute of Management (IIM) and many more apex education institutions in India. Our works are tailored and drafted as per your requirements and are totally unique.
From past years our core advisory members, research team assisted research scholars from various universities from all corners of world.
Subjects/Areas We Cover:
Management, Commerce, Finance, Marketing, Psychology, Education, Sociology, Mass communications, English Literature, English Language, Law, History, Computer Science & Engineering, Electronics & Communication Engineering, Mechanical Engineering, Civil Engineering, Electrical Engineering, Pharmacy & Healthcare.
A study of formalisation of human resource management practices in gujarat [w...WriteKraft Dissertations
We started this Academic Writing Help in the year 2011.Writekraft Research & Publication: www.writekraft.com 1000s of students have graduated across the globe from our in-depth research.
We help students with the following services:
1. Thesis Writing (from 50 pages and above)
2. Dissertation writing
3. Research Writing for Publishing
4. Data Analysis
5. Research Proposal Writing
6. Study Plan
7. Plagiarism Report
Contact us at admin@writekraft.com OR call us on +917753818181, +919838033084
The charges are fair and we allow negotiations as per the student’s budget. You can also inbox me for more direction.
Medical journals play a crucial role in the field of healthcare and medicine. They serve as a cornerstone for disseminating new research findings, sharing clinical experiences, and promoting evidence-based practices.
Scientific research plays a pivotal role in advancing human knowledge and addressing complex global challenges. One of the most critical aspects of the scientific process is the dissemination of findings through scholarly journals. Researchers depend on reputable journals to publish their work, and these publications, in turn, shape the scientific landscape
Research journals are the lifeblood of the academic world. They are the gatekeepers of knowledge, repositories of groundbreaking discoveries, and the platform through which scholars share their insights with the global community. In this blog post, we will delve into the fascinating world of research journals, exploring what they are, why they matter, and how you can make the most of them in your academic journey.
The best publications are the cornerstone of informed societies. They serve as beacons of knowledge, shining a light on the latest discoveries, insights, and stories from around the world. These publications, whether in print or digital form, play a crucial role in disseminating information, fostering critical thinking, and shaping public discourse.
A critical analysis of funds management in selected cement industries [www.wr...WriteKraft Dissertations
We started this Academic Writing Help in the year 2011.Writekraft Research & Publication: www.writekraft.com 1000s of students have graduated across the globe from our in-depth research.
We help students with the following services:
1. Thesis Writing (from 50 pages and above)
2. Dissertation writing
3. Research Writing for Publishing
4. Data Analysis
5. Research Proposal Writing
6. Study Plan
7. Plagiarism Report
Contact us at admin@writekraft.com OR call us on +917753818181, +919838033084
The charges are fair and we allow negotiations as per the student’s budget. You can also inbox me for more direction.
A critical analysis of funds management in selected cement industries copyWriteKraft Dissertations
We started this Academic Writing Help in the year 2011.Writekraft Research & Publication: www.writekraft.com 1000s of students have graduated across the globe from our in-depth research.
We help students with the following services:
1. Thesis Writing (from 50 pages and above)
2. Dissertation writing
3. Research Writing for Publishing
4. Data Analysis
5. Research Proposal Writing
6. Study Plan
7. Plagiarism Report
Contact us at shivam.writekraft@gmail OR call us on +917753818181, +919838033084
The charges are fair and we allow negotiations as per the student’s budget. You can also inbox me for more direction.
A critical analysis of funds management in selected cement industries [www.wr...WriteKraft Dissertations
Writekraft Research & Publication LLP.
We are one of the leading PhD assistance company that deals in helping PhD scholars in their Thesis, Research paper writing and publication work. We are providing custom PhD Thesis written for you exactly the way you want along with a Turnitin plagiarism report.
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The main objective of this paper such as the Karachi Stock Exchange market development working capital management (WCM) on firm performance is to determine the impact. In this paper the chemical industry for the period 2009-2014 to 6 years for a sample of 22 firms Karachi Stock Exchange (KSE) working capital management and firm performance of different variables used for analysis . Working Capital Management to measure the variables that were used in this study are the number of recovery days , days in inventory and size , leverage , inventory , equity , sales and gross domestic product (GDP) numbers are control variables. Firm performance measure used in this study for the dependent variable is the return on assets. Firm size is positively affected by the firm’s profits. Firms whose profits are high, their working capital firms are not interested in management and firm performance. The result of the study and working capital is negative relationship between firm performance shows. Is a positive relationship between size and profitability? Firm size is increased or decreased profit increased or decreased respectively. Moreover, profits and principles that support the pecking order used by firms are negative relationship between debts.
This research re euml xamine of what has been done by other researcher with the object of research on what is different aimed at peaceful and steady to analyze the good vibes this partial as well as simultaneous the amount of its credits micro small and medium enterprises (SMES) and prepare the funds to a third party against operating profit in public credit bank Cirebon district.
The results of the testing of hypotheses first discovered that variable credit small and medium enterprises 0.5456 or by 54,56 % show is influence against operating profit. The results of the testing of hypotheses to two variable third party funds of savings of 0.52134 or by 52,13 % show is influence against operating profit. The results of the testing of hypotheses to three variable third party funds in deposits of 0.5612 or by 56,12 % show is influence against operating profit.
All of the results of the analysis showed in constant of 0.5905 or 59.05%. This credit public bank Cirebon district contribute to the development and growth the small and medium enterprises (SMES) that is in Cirebon district and the rest is the other factors that to affect in out of what researchers do.
Corporate governance is of great importance for financial performance. Corporate governance issues have attracted public interest in the financial sector both locally and internationally after waves of corporate rip-offs and failures that almost led to loss of confidence in the finance sector. The general objective of this study was to determine the effect of corporate governance on financial performance of Savings and Credit Co-operatives in Kenya. The study adopted a descriptive research design. The study targeted a population of 65 active Savings and credit Co-operatives operating in Embu County. A sample size of 57 Savings and Credit Co-operatives was used in this study. Stratified sampling technique was used to select the sample. Primary data was collected using self-administered semi-structured questionnaires while secondary data was obtained from financial statements and periodicals using a record survey sheet. Pre-testing of research tool was conducted before the actual data collection was carried, to determine the reliability of the questionnaire by use of a Cronbach‘s alpha, statistical coefficient, while the validity was tested to ensure that the questions in the questionnaire provides adequate coverage to the investigative questions. Correlation and multiple regression analysis was used to establish the relationship between independent and dependent variables. The study findings indicated that corporate governance positively affected the financial performance. In specific the board composition and corporate risk management for SACCOs had a positive effect on the financial performances of the SACCOs. The study is beneficial to SACCOs management in improving the performance of Savings and Credit Co-operatives and enabling them to compete globally. The study recommends gender parity consideration and balanced mix of skilled board members during appointments of the board members. The recommendations are important to the government, especially the department of cooperatives in strengthening policies regarding cooperative societies.
The social status of the women is the reliable indicator of the economic development of a society. Tagore has rightly said “Women is the builder of the nation’s ‘destiny’, they seek integration into the national main streams of equal partners in program and development”. Even after five and a half decades of planned development, Indian women, except a privileged minority, have not achieved expected success in the main stream of life.
Nowadays, in this liberalized world, in order to sustain good performance, the insurance companies have to ensure products at a competitive price. Companies can lower the price of the product by reducing the cost. Their survival depends upon their policyholders’ performance with regard to policy selection and satisfaction level. So, there is a need to evaluate how these companies are performing in the study area. Though much has been studied about the functioning of these public sector and private general insurance companies, a detailed analysis on the comparative study of the opinion on the performance of public sector and private sector insurance has not been made so far.
The insurance companies have to ensure quality products at a competitive price. Companies can
lower the price of the product by reducing the cost. Their survival depends upon their policy-holders. The
policy-holders become confident of not losing much when an accident or uncertainty takes place. On the
report of the insured about an accident the company officials send surveyors to assess the loss caused to
the policy-holders. However, as several of the insurance providers are international companies having
made their presence felt in several countries, the service provided by them is a reflection of the experience
gained by them across the globe, and in that sense, the findings may be generalised to a great extent.
This study will help analyze the Recitation of the two types of insurance companies
and to take remedial measures in the sphere of their insurance products. Today, in this
liberalized world, in order to sustain good Recitation, the insurance companies have to ensure
quality products at a competitive price. Companies can lower the price of the product by
reducing the cost. Their survival depends upon their policyholder policyholder’s recitation of
public and private sector general insurance industry in Structural Equation Model (SEM)
approach in the chosen study area. The study has to evaluate the policyholder’s perception
towards non-life insurance industry.
The primary function of financial institution’s to lend funds as loans to various sectors such as agriculture, industry, personal loans, housing loans etc., in recent times the institutions have become very cautious in extending loans. The reason being mounting non-performing assets (NPAs). An NPA is defined as a loan asset, which has ceased to generate any income for a bank whether in the form of interest or principal repayment. In order to study the menace of NPA, Kerala Financial Corporation (KFC) the premier institution which provides long term finance for industrial enterprises and assistance to the sick units for the rehabilitation purpose has been selected. NPA is a serious problem faced by KFC. Non- performance in a loan asset is the bane of the financial institutions in India. It is the universal problem and can cripple the economy of any nation. Mounting non-performing assets in a banking sector was the main reason for the financial crisis in the South East Asian countries. The Net NPA of KFC as per the records shows a declining trend. There is a tendency among the beneficiaries of the corporation to delay repayment of the loans and some percentage of these payments also turns into bad debts. The NPA and loans and advances are negatively correlated. It shows that while the amount of loan increases over the years, NPA shows a declining trend. The total amount of loan increased year by year, because corporation introduces variety of new loan schemes.
The difficulty in getting the right type of finance at the right time and in the right quantity continues to haunt the small entrepreneurs and still ranks first among the major problems faced by the small sector. This being the situation, it has become relevant to conduct a study aimed at evaluating. the role and performance of the SFCs. A detailed study on the role of the KFC in the industrialisation of Kerala is highly worthwhile especially in the period of global recession. . Various provisions of the SFCs Act enjoin on the KFC to undertake the stupendous task of industrial development in the State concerned by providing long-term credit to the MSME segment. The study based on secondary data. Secondary data were collected from various official records and reports. The KFC still functions as a Government undertaking. The majority of its shares in value are held by the Government of Kerala (97.06 per cent). Its capital structure consists of both own capital and borrowed capital. It gives more weightage to debt capital. Capital to Risk - weighted Assets Ratio (CRAR) was at 21.57 % during the year 2013-14, as against the minimum of 9% prescribed. , Corporation could make significant improvement in its performance in all major operational areas, viz, Sanction, (AAG 44.51)Disbursement(AAG38.16) and Recovery(AAG12.22). Schemes of financial assistance of the Corporation cover a series of activities ranging from manufacture to marketing of goods and services. Regarding the trend of loan operations, the role of the KFC in the process of industrialisation is found to be increasing year by year as the total amount disbursed
The study has yielded a metrics to evaluate the policyholder’s opinion
towards reason of taking non-life insurance policy. The metrics is validated and tested
in an environment where several national and international non-life insurance
companies are vying to capture the small scale industries non-life insurance market, to
the non-life insurance company and the policyholders. Though much has been studied
about the functioning of these non-life insurance companies, a detailed analysis on the
comparative study of the opinion on the performance of public sector and private
sector insurance has not been made so far.
Apple is one of the most popular fruits grown throughout the country all the year round." An apple a day keeps the doctor away" is a well known saying Apples vary from a fairly good to a very good source of vitamin C , as there are significant differences between the verities.
The industrialization and information age has made the telecommunication industry expanded into diversified
functionality to support the growth of technological advancement for better services demanded by any
particular nation. In India, telecommunication industry is now considered to be prominent due to its contribution as a tool of
technological support for the national development in line with the national aspirations. These progresses are not a dream
that encapsulates with unreal events and nightmares, but they are the vision that will bring the nation to stand on his or her
feet as tall as the other nations around the world. There is no doubt that telecommunication sector will be expanded farther
and further after the government of Indian has agreed to focus more attention on the Industry. In conclusion, Indian has not
make a mistake when they invest more money in the telecommunication industry that will definitely uplift the nation into a
new culture of civilization in the world and such measures are contributing to another culture of excellent.
The International Financial Reporting Standards (IFRS) aims to make International Financial
Reporting Comparisons as easy as possible because each country has its set of accounting rules,
over the years the use of IFRS has emerged as widely used and accepted standards in the world
with more than 12000 companies and over 100 Countries accepting and mandating its
implementation. At presents India aim to be joining IFRS club from the financial year 2011 to
include, all listed companies, all banking companies, all financial institutions, all scheduled
commercial banks, all insurance companies and all NBFC.
The Indane gas company reforms have deregulated the market to a great
extent. It has become necessary to design and execute the best customer
oriented practices and to internalize them for providing enhanced
satisfaction to the customer through the employees. Customers’ service is
not merely the compliance with the government’s policies or the mechanical
adherence to the time frame of services. It is a philosophy and an attitude of
professional commitment, which believes in the ultimate satisfaction or each
customer ‘wants’.
The foreign banks are functioning only in few metropolitan and big cities, they can afford to be luxurious but Indian banks have to tread with caution as they are beckoned to do social banking on a very large scale without commensurate returns. Indian banks are open to every citizen of the country, irrespective of social and financial strata to which he belongs where as only elite are welcome to foreign banks.
It is a unsecured loan as no securities are taken while availing the loan. Other form of loan like home loan, loan against shares/
securities demands collateral security while availing it. The personal loan is completely free from all the conditions and can
be availed with ease. Even though a few financial institutions may ask for a guarantor based on their comfort level of the
applicant's profile, it is a hassle free form loan.
Driven by challenges arising from rising customer expectations and shrinking margins, banks have been using technology to reduce cost. Technology intensive delivery channels like Internet Banking, Tele Banking, Mobile banking and Automated Teller Machines (ATMs) etc have created multiple conveniences to users of banks. The banking business is becoming more and more complex with the change; emanating from liberalization and globalization. For a new bank, customer creation is important, but for an established bank it is retention that is much more important.
People complaint that fat in milk increases the content of cholesterol in their body in their body in their causing some disease. To get rid of this complaint people can go for skimmed milk. Previously the availability of cattle farm was more and the population was less. To carry out all the day-to-day life activities. Energy is needed. Food gives energy. Hence, it is imitable for any human being to intake food. One of the important factors that must be considered in food is its nutritious value.
People complaint that fat in milk increases the content of cholesterol in their body in their body in their causing some disease. To get rid of this complaint people can go for skimmed milk. Previously the availability of cattle farm was more and the population was less. To carry out all the day-to-day life activities. Energy is needed. Food gives energy. Hence, it is imitable for any human being to intake food. One of the important factors that must be considered in food is its nutritious value.
Driven by challenges on competition, rising customer expectation and shrinking
margins, banks have been using technology to reduce cost. Apart from competitive
environment, there has been deregulation as to rate of interest, technology intensive
delivery channel like Internet Banking, Tele Banking, Mobile banking and Automated
Teller Machines (ATMs) etc have created a multiple choice to user of the bank. The
banking business is becoming more and more complex with the changes emanating from
the liberalization and globalization. For a new bank, customer creation is important, but
an established bank it is the retention is much more efficient and cost effective
mechanism.
The insurance companies have to ensure quality products at a competitive price. Companies can
lower the price of the product by reducing the cost. Their survival depends upon their policy-holders. The
policy-holders become confident of not losing much when an accident or uncertainty takes place. On the
report of the insured about an accident the company officials send surveyors to assess the loss caused to
the policy-holders. However, as several of the insurance providers are international companies having
made their presence felt in several countries, the service provided by them is a reflection of the experience
gained by them across the globe, and in that sense, the findings may be generalised to a great extent.
This study will help analyze the Recitation of the two types of insurance companies
and to take remedial measures in the sphere of their insurance products. Today, in this
liberalized world, in order to sustain good Recitation, the insurance companies have to ensure
quality products at a competitive price. Companies can lower the price of the product by
reducing the cost. Their survival depends upon their policyholder policyholder’s recitation of
public and private sector general insurance industry in Structural Equation Model (SEM)
approach in the chosen study area. The study has to evaluate the policyholder’s perception
towards non-life insurance industry.
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chapter 10 - excise tax of transfer and business taxation
Performance of Kerala Financial Corporation (KFC) for Promoting of MSMEs in Kerala
1. International Journal of Trend in Research and Development, Volume 3(2), ISSN: 2394-9333
www.ijtrd.com
IJTRD | Mar-Apr 2016
Available Online@www.ijtrd.com 497
Performance of Kerala Financial Corporation (KFC) for
Promoting of MSMEs in Kerala
1
Dr.C.Sankar and 2
Vinod K.Raju,
1
Assistant Professor, 2
Research Scholar,
1,2
Department of Commerce, Karpagam University, Coimbatore, TamilNadu, India
Abstract: The difficulty in getting the right type of finance
at the right time and in the right quantity continues to haunt
the small entrepreneurs and still ranks first among the
major problems faced by the small sector. This being the
situation, it has become relevant to conduct a study aimed
at evaluating. the role and performance of the SFCs. A
detailed study on the role of the KFC in the
industrialisation of Kerala is highly worthwhile especially
in the period of global recession. . Various provisions of
the SFCs Act enjoin on the KFC to undertake the
stupendous task of industrial development in the State
concerned by providing long-term credit to the MSME
segment. The study based on secondary data. Secondary
data were collected from various official records and
reports. The KFC still functions as a Government
undertaking. The majority of its shares in value are held by
the Government of Kerala (97.06 per cent). Its capital
structure consists of both own capital and borrowed capital.
It gives more weightage to debt capital. Capital to Risk -
weighted Assets Ratio (CRAR) was at 21.57 % during the
year 2013-14, as against the minimum of 9% prescribed. ,
Corporation could make significant improvement in its
performance in all major operational areas, viz, Sanction,
(AAG 44.51)Disbursement(AAG38.16) and
Recovery(AAG12.22). Schemes of financial assistance of
the Corporation cover a series of activities ranging from
manufacture to marketing of goods and services. Regarding
the trend of loan operations, the role of the KFC in the
process of industrialisation is found to be increasing year
by year as the total amount disbursed
Keywords: Annual average growth, State Financial
Corporation, Development Financial Institution, Economic
Development, Industrialization
I. INTRODUCTION
Economic development is a primary objective
of every nation. It is a continuous and comprehensive
process which leads to rapid growth of the nation. Finance
is the life blood of any business activity .So economic
growth ,therefore ,certainly requires better deployment of
credit.
In spite of the premier role assigned to the SFCs
for financing small industries in the State concerned, small
entrepreneurs still hesitate to approach them for various
reasons. The difficulty in getting the right type of finance
at the right time and in the right quantity continues to haunt
the small entrepreneurs and still ranks first among the
major problems faced by the small sector. This being the
situation, it has become relevant to conduct a study aimed
at evaluating. the role and performance of the SFCs. The
Kerala Financial Corporation appears to be the best choice
for the study not only due to the magnitude of its operation
but also due to the fact that it is one of the oldest SFCs
functioning in the country.
A. Statement of the Problem
The Kerala Financial Corporation has been
established with a view to financing, promoting and
rehabilitating the small and medium enterprises. It is the
premier institution for industrial finance in the State. Also,
in the absence of a developed capital market in Kerala, the
DFIs are still the major source of the much needed long-
term finance to the MSMEs. With the decline in the
number of DFIs, due to the ceasing of the ICICI and the
IDBI as DFIs, in the face of financial sector reforms,
innovative financing mechanism of the remaining State
level DFIs is expected to take care of the need of project
financing
B. Relevance of the Study
A detailed study on the role of the KFC in the
industrialisation of Kerala is highly worthwhile especially
in the period of global recession. Various provisions of the
SFCs Act enjoin on the KFC to undertake the stupendous
task of industrial development in the State concerned by
providing long-term credit to the MSME segment. Hence, a
detailed study on how far the KFC has succeeded in this
regard is highly relevant. Further, the present study looks
into the extent to which the Corporation has adjusted to the
changed operating environment with its diversified
schemes to satisfy the investors in industry.
C. Objectives
1. To examine the role played by the KFC in promoting
the MSME segment in the State.
2. To suggest suitable measures for improvement of
functions of the KFC and the aided MSMEs
D. Methodology
The study requires secondary data. Secondary data were
collected from various official records and reports.
2. International Journal of Trend in Research and Development, Volume 3(2), ISSN: 2394-9333
www.ijtrd.com
IJTRD | Mar-Apr 2016
Available Online@www.ijtrd.com 498
II. PERFORMANCE OF THE CORPORATION
The Corporation is celebrating the diamond jubilee
of its incorporation in 2013. For the Corporation it has
been a long and eventful journey, supporting 45000
enterprises in the MSME sector across Kerala during the
last 61 years and continuously improving the industrial
activity and economic scenario of the State. When
compared to the previous years, Kerala Financial
Corporation has achieved substantial growth in terms of
sanction, disbursement and recovery of financial
assistance. An analysis of the operational performance of
the Corporation during the last three years is given below:
Financial Year
2013-
14
2012-
13
2011-12 AAG
Portfolio size 1800.37 1401.43 1233.984 28.94
Sanctions 989.62 661.39 539.01 44.51
Disbursement 754.73 475.94 464.57 38.16
Recovery 565.13 540.22 467.17 12.22
Total income 266.19 257.7 214.25 13.32
Total Expenditure 198.47 154 151.62 23.19127
Operating Profit 67.73 103.7 62.63 -20.3201
Net profit 41.34 68.49 45.65 -40.6585
Capital Adequacy
Ratio %
21.57 24.61 20.51 -4.09852
Gross NPA% 3.45 3.51 3.6 -2.98913
Net NPA % 0.35 0.36 1.3 -39.011
Annual Average Growth =
Where CF1 is the current figure of the first year, PF1 is
the previous figure of the first year, CFn is the current
figure of the nth year. PFn is the previous figure of the nth
year and N is the number of years
KFC is among the best performing public sector
undertakings in Kerala. It would also rank No. 1 amongst
all State Financial Corporations in the country in terms of
profitability and low level of NPA. The Non-performing
Assets are at the lowest level. The Gross NPA and Net
NPA have come down to 3.45% and 0.35% respectively.
Corporation is charging competitive rates of interest on
Term Loans and is facing stiff competition from
commercial banks and other financial institutions. To make
the rates competitive Corporation has increased the rebate
extended for prompt repayment and reduced the interest
rate to the customers. Though the net profit has come down
on account of this and due to the increase in the cost of
borrowing, Corporation could make significant
improvement in its performance in all major operational
areas, viz, Sanction, (AAG 44.51) Disbursement
(AAG38.16) and Recovery(AAG12.22). Corporation was
also able to bring about higher efficiency in Funds
Management and resource mobilization under a robust
Asset Liability Management (ALM) frame work. As a
result, Corporation has registered an impressive 28.47
percent increase in its overall loan portfolio, adding new
clients, especially young entrepreneurs. This healthy
growth is attributed to the customer centric policies and
inspired performance of the staff.
A. Operating Results:
The chart below shows the net profit trend for the last ten
years.
Rs.In Crores
B. Sanctions:
Corporation sanctioned financial assistance of Rs.989.62
Crores during the FY 2013-14 registering a growth of
49.63% when compared with the previous FY.
2014-2013 SEGMENT 2013-2012
No Amount NO AMOUNT
831 405.52 MICRO 290 193.019
32 27.43 SMALL 19 31.21
1 20 MEDIUM NIL NIL
420 536.67 OTHERS 379 436.99
1284 989.62 TOTAL 688 661.36
RS.IN CRORES
3. International Journal of Trend in Research and Development, Volume 3(2), ISSN: 2394-9333
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IJTRD | Mar-Apr 2016
Available Online@www.ijtrd.com 499
C. Disbursements
An amount of Rs.754.73 crores was disbursed during
FY 2013-14, recording a growth of 58.58% over previous
year. The growth in sanction and disbursement when
compared to the previous financial year indicates the
healthy contribution of the Corporation to the development
of the industrial activity in the State.
D. Recovery
Total recovery during the year was Rs.565.13
crores. Out of this, principal recovery was Rs.315.02 crores
and interest recovery amounted to Rs.250.11 crores. Out of
the total recovery, an amount of Rs.41.86 crores was by
way of compromise settlement. On the recovery front, the
total amount collected has gone up by 4.61%.while the
total interest income has gone up by 16.38%. The high
level of growth in these areas throw light on the effective
functioning of the organization in terms of quality lending
and highly efficient collection of current dues.
Rs. In crores
E. Capital Adequacy Ratio:
Capital to Risk - weighted Assets Ratio (CRAR) was
at 21.57 % during the year , as against the minimum of 9%
prescribed.
F. Dividend:
During this year the corporation has proposed a
dividend of 5% on paid up share capital, amounting to Rs.
10.60 crores
G. Share Capital:
The paid up share capital of the Corporation as on March
31st 2014 is at Rs.211.97 crores.
H. Net worth
I. Corporate Governance:
The Corporation has been ensuring fairness,
responsibility, accountability and transparency in all its
dealings. Loan Policy, Compromise Settlement Policy,
Valuation Policy etc. were all reviewed and updated. ISO
procedures are scrupulously complied with. The
Corporation has designated State Public information
Officers, Assistant State Public Information Officers and
Appellate Officers for the Head Office as well as the
Branch Offices for providing reply under RTI. Prompt
action is taken for replying the petitions received under
RTI. 55 applications were received and no applications
were pending as on 31.03.2014.
J. Shareholder information:
The composition of shareholders as on March 31, 2014 is
furnished below:
Shareholders Rs.In Lakhs % Share holdig
Government of
Kerala
20573.81 97.06
SIDBI 613.33 2.89
LIC 7.10 0.03
SBT 2.10 0.01
Others 0.96 0.01
Total 21197.30 100
4. International Journal of Trend in Research and Development, Volume 3(2), ISSN: 2394-9333
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IJTRD | Mar-Apr 2016
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BRANCH WISE BREAKUP OF LOAN OPERATION DURING THE YEAR 2013-2014
APPLICATION RECEIVED
MICRO SMALL MEDIUM OTHERS TOTAL
BRANCH NO.
AMOUN
T NO
AMOUN
T NO
AMOUN
T NO
AMOUN
T NO
%of
NO
AMOUN
T
%of
amt
TVM 36 1946.3 85 2677.2 17 9945.9 0 0 138
12.0
3 14536.4 12.47
KOLLAM 15 174 20 2544 5 4900 0 0 40 3.49 7618 6.54
PTA 17 974.5 17 4857.5 12 5745 0 0 46 4.01 11577 9.93
ALP 12 183 7 936.3 0 0 25 2871 44 3.84 3990.6 3.42
KOTTAYAM 18 193.5 18 1087.1 1 200 20 5628 57 4.97 7108.6 6.10
IDUKKI 35 1901.3 1 35 0 0 0 0 36 3.14 1936.3 1.66
THODUPUZH
A 10 123.7 26 1861.3 1 1500 0 0 37 3.23 3484.9 2.99
ERNAKULAM 13 111 8 1853 0 0 67 10158 88 7.67 12122.3 10.40
PERUMBAOO
R 8 124 39 3007 0 0 7 379 54 4.71 3510 3.01
TRISSUR 15 89.8 23 1578.4 3 525 48 4540.2 89 7.76 6733.4 5.78
PALAKKAD 21 242.9 12 1833 0 0 32 2769.9 65 5.67 4845.8 4.16
MALAPPURA
M 38 563 33 4403 1 427 13 1260 85 7.41 6653.1 5.71
KOZHIKODE 57 909.3 33 2343.8 1 2000 30 7777 121
10.5
5 13030 11.18
WAYANAD 8 76 15 880.5 2 540 69 6683 94 8.20 8179.5 7.02
KANNUR 28 451.2 29 1749.3 0 0 12 4795 69 6.02 6995.4 6.00
KASARGODE 21 229.4 62 3192.4 1 800 0 0 84 7.32 4221.9 3.62
GRAND
TOTAL 352 8292.9 428 34838.8 44 26583 323 46861
114
7 100
116543.
2 100
% analysis
30.6
9 7
37.
3 29.9
3.8
4 22.81
28.
2 40.21
Number of application in MSME's=824 (72%)
Amount of application in MSME's=69714.6 (60%)
BRANCH WISE BREAKUP OF LOAN OPERATION DURING THE YEAR 2013-2014
Effective sanction
MICRO SMALL MEDIUM OTHERS TOTAL
BRANCH NO.
AMOU
NT NO
AMOU
NT NO
AMOU
NT NO
AMOU
NT
N
O %of NO
AMOU
NT
%of
amt
TVM 36 1946 85 2644 17 9974 0 0
13
8 12.03 14561 12.49
KOLLAM 11 117 17 1659 5 3630 0 0 33 2.88 5406 4.64
PTA 18 822 14 1553 15 5359 0 0 47 4.10 7734 6.64
ALP 11 151 7 889 0 0 23 2517 41 3.57 3561 3.06
KOTTAYAM 18 349 11 1465 1 200 13 2587 43 3.75 4601 3.95
IDUKKI 33 1710 1 33 0 0 0 0 34 2.96 1743 1.50
THODUPUZ
HA 6 90 25 1725 0 0 0 0 31 2.70 1815 1.56
6. International Journal of Trend in Research and Development, Volume 3(2), ISSN: 2394-9333
www.ijtrd.com
IJTRD | Mar-Apr 2016
Available Online@www.ijtrd.com 502
CONCLUSION
Ever since its inception in 1956, the KFC has
been discharging various financial operations to the
industrial sector of the State. By now, it has twenty branch
offices across the State with the Head Office at
Thiruvananthapuram. The management of this public
sector undertaking is vested in the Board of Directors
having thirteen members. The Chairman, who is
accountable to the Board, is placed at the top..The KFC
still functions as a Government undertaking. The majority
of its shares in value are held by the Government of Kerala
(97.06 per cent). Its capital structure consists of both own
capital and borrowed capital. It gives more weightage to
debt capital. Capital to Risk - weighted Assets Ratio
(CRAR) was at 21.57 % during the year 2013-14, as
against the minimum of 9% prescribed. , Corporation could
make significant improvement in its performance in all
major operational areas, viz, Sanction, (AAG
44.51)Disbursement(AAG38.16) and
Recovery(AAG12.22). Schemes of financial assistance of
the Corporation cover a series of activities ranging from
manufacture to marketing of goods and services. Regarding
the trend of loan operations, the role of the KFC in the
process of industrialisation is found to be increasing year
by year as the total amount disbursed. When the trend of
size-wise analysis of its operations is made, it is seen that
the KFC prefers assistance to MSME’s at 60% . Also, it is
seen that it prefers financial assistance to the industrial
units of non-backward districts. Regarding the choice of
industry for assistance, it gives serious concern to disburse
the loans only to the promising / prosperous industries.
Facts reveal that on the average, 60.14 per cent of
applications are sanctioned each year. The KFC has the
precedence of giving a Morotorium during the gestation
period for loan repayment. The repayments are scheduled,
taking into account various things associated with the
performance of the borrower units.To conclude, the
enterprises are assisted at every stage in their promotions
and operations. Different schemes to suit the needs of the
diverse investors are offered by the Corporation. This
study is concerned with an investigation into how far the
units approach KFC to obtain financial assistance and how
far they succeeded with this source of finance
References
A.) Annual Report of KFC (2005-2014)
B) KFC Official Website
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