REPAYMENTS AND CAUSES FOR OVERDUES IN THE NELLORE BRANCH APSFC
K. Malyadri
, M. Venkateswarlu , K. Kalesha
APSFC, Repayment, Overdues, Defaulter, Community.
The effective management of loan repayment, particularly in agricultural and industrial sectors, is crucial for maintaining the financial stability of lending institutions and fostering economic growth. This study explores the dynamics of loan repayment, overdues, and defaulters in selected revenue divisions, shedding light on various factors influencing repayment behavior. In the context of agricultural credit, the study emphasizes the significance of loan utilization for productive purposes, alongside the willingness of borrowers to repay. Factors contributing to defaults range from external conditions like adverse weather to internal issues such as inadequate supervision and unsound lending policies. Similarly, in the industrial sector, timely repayment is essential for sustaining operations and accessing future credit. However, challenges such as complex documentation, stringent repayment terms, and high interest rates hinder the access to credit for enterprises. Analyzing repayment patterns across revenue divisions reveals disparities in repayment percentages and overdues. Factors such as production defects, income variability, attitudinal conditions, and misallocation of funds contribute to defaults among borrowers. Particularly, the study highlights the correlation between education levels and repayment performance, indicating that better-educated borrowers tend to exhibit higher repayment rates. Furthermore, the study underscores the social and economic implications of defaults, emphasizing the importance of prompt repayment for rural development and financial institution viability. Overdue loans not only freeze credit but also strain the relationship between lenders and borrowers, hampering rural economic progress.
"REPAYMENTS AND CAUSES FOR OVERDUES IN THE NELLORE BRANCH APSFC", IJSDR - International Journal of Scientific Development and Research (www.IJSDR.org), ISSN:2455-2631, Vol.9, Issue 6, page no.1044 - 1052, June-2024, Available :https://ijsdr.org/papers/IJSDR2406124.pdf
Volume 9
Issue 6,
June-2024
Pages : 1044 - 1052
Paper Reg. ID: IJSDR_211786
Published Paper Id: IJSDR2406124
Downloads: 000347124
Research Area: Commerce
Country: Tirupati, Andhra Pradesh, India
ISSN: 2455-2631 | IMPACT FACTOR: 9.15 Calculated By Google Scholar | ESTD YEAR: 2016
An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 9.15 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator
Publisher: IJSDR(IJ Publication) Janvi Wave
