Management of Credit Facilities. A case of Atwima Kwanwoma Rural Bank ab 49.99 € als Taschenbuch: . Aus dem Bereich: Bücher, Wissenschaft, Wirtschaftswissenschaft,
This study investigates the nature and sources of conflicts between the parties interested in the exploitation, management and conservation of the mangrove ecosystem. It also strives to identify the strategies of resolving the conflicts. The methodology employed used both primary and secondary sources of information in data collection. Both qualitative and quantitative techniques were used in the data analysis. The research findings reveal that although the local people understand their environment very well, they do not participate as true partners in designing, planning and managing conservation programs. Many people are unable to exploit the mangroves due to expensive licenses, poor transport, low business, and lack of capital and credit facilities. There is also lack of coordination between the management organizations. The study recommends that the authorities concerned should sensitize those interested in the mangrove ecosystem on the need to ensure that the local people participate as true partners in conservation programs and propose ways of resolving the prevailing conflicts. It also calls for more social science research on the mangrove ecosystem.
This study analyzed the factors affecting the accessibility to credit facilities.The previous studies conducted elsewhere revealed that a limited number of entrepreneurs had access to credit facilities. It was therefore the aim of this study to analyze the reasons behind this and give recommendations. The study identified and analyzed the factors, which influenced and determined the accessibility to credit facilities and the degree of their influence. The principle behind this study was that accessibility to credit facilities promotes growth of the small-scale retail business and hence contributes to the economic growth of the nation. Data was collected by the use of structured questionnaires and analyzed by use of descriptive tools.Data was presented using pie charts, bar graphs, histograms and frequency tables. Chi-square was used to test the hypotheses.The study revealed that most of the small- scale enterprises do not access credit facilities because of high interest rates coupled with poor management skill.The report and recommends that entrepreneurial education centers be established by the government to empower SSEs.
Somaliland's SSBs employ 98.5% of its workforce and contribute 70% to its GDP. But in 2010-2012, their turnover fell by 27%, their income by $1.4 million, and the average lifespan of a newly started SSB fell to only 8 months. This study examined the determinants of the performance of SSB projects in Borama Town, Somaliland, with specific focus on knowledge of business management, credit facilities, capital and attitude of SSB owners. Guided by the Contingency Theory, the study used cross sectional survey design on a sample of 278 SSBs in February - March 2014. It was established that knowledge of business management (F [1, 276] = 3.87, p = .018), capital (F [1, 276] = 3.87, p = .000), and attitude of business owners (F [1, 276] = 3.87, p = .012) are significant determinants of the performance of the SSBs. But credit facilities (F [1, 276] = 3.87, p = .430) are not. The study concluded that attitude of business owners is the most significant factor influencing the performance of SSBs in Borama town. The study recommends that knowledge of business owners be improved, credit facilities for SSBs be developed, and SSB owners be trained on attitude change.
This study analyses the determinants of competitiveness in the Indian auto industry, based on a field survey and a quantitative and econometric analysis of secondary data. Auto industry has grown impressively in India in the recent years in terms of production, sales and exports. However, higher effective rate of protection for automobile industry distorts resource allocation and investment pattern. We recommend that this has to be brought down in a phased manner, along with strengthening of the anti-dumping mechanism and improvements in infrastructure. Given the high and increasing share of materials in total production costs, policy measures to reduce these costs including indirect tax cuts are needed. Scaling up of auto-component sector is needed, which requires better credit availability. Better policies are needed for R&D investments, design facilities, training, labour reforms, efficient energy use by small firms, more FDI, roadmap for emission standards, removal of inter-state tax differences by introducing GST and strict implementation of rules of origin. We hope this book is useful for policy-makers, researchers, management consultants and Auto Industry Experts in general.
This book gives an understanding of bank securities and the role securities play in the banking industry. Securities management is crucial for the survival of any financial institution in the whole world. The recent global melt-down was caused partly by poor securities management. Among other things it teaches about: the role of securities in the banking industry the administration of securities in the bank types of securities used by banks the effect of Section 226 of the company's act the role of the branches in securities admin notification and acknowledgement of cession insurance policies as security guarantees by individuals guarantees by partners guarantees by a company cession of book debts pledge of other financial institution F/Ds monthly branch securities administrative duties half-yearly branch securities administrative duties yearly securities administrative duties different types of guarantees securities for credit facilities Securities management is one of the most important elements of banking but it is one of the least talked about, the least taught at universities &, the least understood by bankers.
This book is about credit allocation, risk management and loan portfolio performance of Micro Finance Institutions (MFIs) in Uganda. The book brings insights relating to how different MFIs are performing and how credit allocation and risk management affects their performance. A cross-sectional research design was adopted which involved descriptive, correlation and regression approaches. Data were analysed through Statistical Package for Social Scientists. Simple random sampling was used to select a sample of 40 MFIs from the population of 45 in Kampala and Wakiso districts of Uganda. Findings indicated that credit allocation and risk management had a significant relationship with loan portfolio performance. Results from the regression analysis showed that credit allocation and risk management significantly predicted 23.9% of loan portfolio performance. Practical implications: it was recommended that managers of the MFIs should conduct per-disbursement trainings through workshops and seminars for all successful loan applicants which would enable them on how to utilize the loan facilities.
This book presents the Bible of banking approach to managing banks. The aims of this book are to: explore credit management, relationship banking, lending in the new environment, some tried and tested lending principles, effective interviewing for credit applications, checklist for corporate clients, credit risk assessment and management, project finance risk, derivative markets, MBOs and LBOs, securities for credit facilities, company failures the danger signs, a survival kit, restructuring of ailing companies, solvency liquidations and judicial management, define what credit management is all about, define various categories of risk, classical world case studies. It is hoped that the book will appeal to students at undergraduate, graduate or post experience level in business or management, or on related professional courses. It is also hoped that the book will appeal not only to those aspiring to be bank managers but also to practicing bank managers and supervisors who wish to expand their knowledge of the subject area. The book is written with a minimum of technical terminology and statistical formulas and the format is structured.