Open AccessEFFICIENCY IN SANCTION AND DISBURSEMENTS OF LOANS: A STUDY OF BIJAPUR DISTRICT CENTRAL CO-OPERATIVE BANK VIJAYAPUR
Author(s) -
A. S. Shiralashetti,
Mahesh Hadapad
Publication year - 2021
Publication title -
paripex indian journal of research
Language(s) - English
DOI - 10.36106/paripex/3205551
Subject(s) - disbursement , profitability index , loan , business , agriculture , finance , quality (philosophy) , financial system , geography , archaeology , philosophy , epistemology
Every nation has to move towards the constant progression of growth. The Co-Operative Banks as part of the banking systemoperating in Rural and Urban areas in reduced scales, caters the financial needs of Rural and Urban sector particularlyagriculture and allied activities, trade and commerce and consumer finance. This paper aims to study the efficiency insanction and disbursement made by Bijapur District Central Co-Operative Bank Ltd. Vijayapur, Karnataka during 2013-14 to2017-18.The overall performance is efficient in sanction and disbursements of advances as the total advances showsincreasing trend and the bank is disbursing loans to every talukas, all areas, and each category of loans. The Bank hasmanaged efficiently to allocate the funds to Priority Sector as well as Non-Priority sectors; this helps the Bank to maintainhigh profitability by adhering the guidelines of RBI in sanction and disbursement of advances. The performance of the Bankcan improve further by enhancing the loan facilities, improving the quality, introducing new products, and attracting theunreached customers.