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Presentation on shubham housing finance
The document provides an analysis of Shubham Housing Development Finance within the context of India's rapidly evolving financial sector, highlighting the emergence of non-banking financial companies (NBFCs) in retail finance. It discusses the company’s efforts to provide formal housing credit to individuals with informal incomes and shares findings from reliability tests and factor analyses related to service quality, customer satisfaction, and demographic influences. Recommendations include focusing on underserved areas and enhancing market visibility, particularly in response to challenges posed by COVID-19.
Presentation on shubham housing finance
- 1. SIP REPORT On Shubham Housing Development Finance BY:PRERAK JAIN UID: 2019-1805-0001-0009
- 2. FINANCIAL SECTOR EVOLUTION India hasa diversified financial sector undergoing rapid expansion, both in terms of strong growth of existing financial services firms and new entities entering the market. The sector comprises commercial banks, insurance companies, non-banking financial companies, co- operatives, pension funds, mutual funds and other smaller financial entities. NBFCs are rapidly gaining prominence as intermediaries in the retail finance space. Deposit of NBFCs increased from US$ 0.29 billion in FY09 to Rs 319.05 billion (US$ 4.95 billion) in FY18 The gross loans of India’s (NBFC-MFIs) increased 24 per cent INTRODUCTION NBFC’s market share in commercial loans increased to 2.8% in 2016-17 from 2% in 2015- 16. ADHESIVE
- 3. COMPANY INFORMATION FOUNDER: Sanjay Chaturvediand Ajay Oak(2010). • Company provides formal housing credit to those with informal incomes and also offer customized credit program for customers. COMPANY’S SHARE 18% 18% 7% 14% 43% shubham housing Aadhar housing Umeed housing SRG housing finance Aavas Financers
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- 5. Data / Observations ReliabilityStatistics Cronbach's Alpha Cronbach's Alpha Based on Standardized Items N of Items .851 .859 15 KMO and Bartlett's Test Kaiser-Meyer-Olkin Measure of Sampling Adequacy. .801 Bartlett's Test of Sphericity Approx. Chi-Square 744.422 df 105 Sig. .000
- 6. Learnings and Findings TotalVariance Explained Comp onent Initial Eigenvalues Extraction Sums of Squared Loadings Rotation Sums of Squared Loadings Total % of Variance Cumulat ive % Total % of Variance Cumulat ive % Total % of Variance Cumulat ive % 1 5.168 34.454 34.454 5.168 34.454 34.454 4.177 27.850 27.850 2 2.770 18.469 52.923 2.770 18.469 52.923 2.593 17.285 45.135 3 1.248 8.321 61.244 1.248 8.321 61.244 2.368 15.788 60.922 4 1.139 7.596 68.840 1.139 7.596 68.840 1.188 7.918 68.840 5 .849 5.662 74.503 6 .636 4.238 78.741 7 .601 4.009 82.749 8 .462 3.078 85.827 9 .411 2.742 88.569 10 .398 2.652 91.221 11 .350 2.330 93.551 12 .314 2.091 95.642 13 .255 1.697 97.339 14 .220 1.465 98.804 15 .179 1.196 100.000 Extraction Method: Principal Component Analysis.
- 7. Rotated Component Matrixa Component 12 3 4 brandname .550 -.081 .151 .675 Servicequality .791 .255 -.103 .166 Satisfaction .246 .766 .080 -.038 Maritalstatus .007 .114 .733 .285 customerservice .768 -.011 .168 .105 InterestRates .807 .105 .035 .015 Qualification -.227 .604 .596 .041 Income .084 .621 .159 .586 Loanterm .760 -.020 .102 .091 Downpaymentammount .835 .045 .070 -.023 Penaltycharges .624 .402 .302 -.302 Credithistory .472 .678 .235 -.270 age -.112 .840 .260 .104 typeofemployment .229 .245 .735 .111 Demographic .222 .080 .782 -.263 Extraction Method: Principal Component Analysis. Rotation Method: Varimax with Kaiser Normalization. a. Rotation converged in 5 iterations. FACTOR 1: Monetary factors- service quality, interest rates, customer service, loan term, down payment amount, penalty charges FACTOR 2: Personal factors- satisfaction, age, income, credit history, qualification FACTOR 3: Psychological factors- marital status, type of employment, demography FACTOR 4: Trust factor- brand name
- 8. Suggestions Area offocus should be slums and chawls where affordable Housing Loan Customers can be found. 1 2 3 The company should increase its visibility in the market by various campaigns, canopy marketing strategies. They can also start a new segment of giving financial help to those who are facing losses and also who are not able to earn or uplift their businesses in the current scenario of COVID.
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