TABLE OF CONTENTS

CHAPTER 1 - INTRODUCTION
1.1INTRODUCTION.....................................................................................................1
1.2 SIGNIFICANCE OF STUDY..................................................................................1
1.3 STATEMENT OF PROBLEM................................................................................2
1.4 OBJECTIVE OF THE STUDY...............................................................................3
1.5 RESEARCH METHODOLOGY ............................................................................3
1.6 LIMITATIONS........................................................................................................4
1.7 CHAPTERISATION...............................................................................................5
CHAPTER 2

REVIEW OF LITERATURE

2.1 CREDIT MANAGEMENT......................................................................................6

2.2 PRINCIPLES OF CREDIT MANAGEMENT........................................................6
2.3 OBJECTIVES OF CREDIT MANAGEMENT.......................................................8
2.4 ASPECT OF CREDIT POLICY.............................................................................9
2.5 DETERMINATION OF CREDIT POLICY..........................................................11
2.6 INDUSTRY PROFILE..........................................................................................18
2.7 COMPANY PROFILE...........................................................................................19
2.8 ELIGIBLE SECTORS...........................................................................................20
2.9 VARIOUS LOANS SCHEMES IN KERALA FINANCIAL CORPORATION..22
2.10 KERALA FINANCIAL CORPORATION SPCIAL SCHEMES.......................30
2.11 REFERENCES.....................................................................................................31

CHAPTER 3 - ANALYSIS AND INTERPRETATION

3.1 STATISTICAL TOOLS AND TECHNIQUES.....................................................32
3.2 RATIO ANALYSIS...............................................................................................46
3.3 CASH FLOW STATEMENT................................................................................53
CHAPTER 4 - FINDINGS
4.1 FINDINGS.............................................................................................................56
CHAPTER 5 DISCUSSION
5.1 DISCUSSION........................................................................................................58
5.2 EXPLANATION OF THE NEW PROPOSED SYSTEM....................................62
5.3 NEW MODEL........................................................................................................67
CHAPTER 6 - SUGGESTION
6.1 SUGGESTION.......................................................................................................69
7.1 CONCLUSION......................................................................................................71

LIST OF TABLES

2.1 MAXIMUM FINANCIL ASSISTANCE GIVEN TO A UNIT............................21

2.2 VARIOUS LOANS SCHEMES IN KERALA FINANCIAL CORPORATION..24

3.1.1 ANALYSIS OF THE RECEIPTS OF APPLICATION.....................................33

3.1.2 ANALYSIS OF DISBURSEMENTS BY THE FIRM DURING 2006-07......35
3.1.3 ANALYSIS OF RECOVERY FROM 2006 TO 2011.......................................36
3.1.4 ANALYSIS OF ARREARS DURING 2006-2011...37
3.1.5 PERCENTAGE OF RECOVERY TO DISBURSMENT.................................38
3.1.6 ANALYSIS OF BORROWINGS TO LOANS &ADVANCES 2006-11.........39
3.1.7 ANALYSIS OF INTEREST RECEIVABLES ON LOANS AND ADVANCES
OF THE COMPANY FROM 2006-2011....................................................................41
3.1.8 PERCENTAGE OF BAD & DOUBTFUL DEBTS TO LOANS &
ADVANCES................................................................................................................42

3.1.9 ANALYSIS OF LOANS& ADVANCES AND NPA OF THE COMPANY....43

3.1.10 ANALYSIS OF PROFITABILITY..................................................................44
3.2.1 CURRENT RATIO OF KFC FOR THE PAST 5 YEARS................................49
3.2.2 RETURN OF ASSET RATIO OF KFC FOR THE PAST 5 YEARS..............50
3.2.3 RETURN OF INVESTMENT OF KFC FOR THE PAST 5 YEARS..............51

LIST OF FIGURES

3.1.1 ANALYSIS OF THE RECEIPTS OF APPLICATION34

3.1.2 ANALYSIS OF DISBURSEMENTS BY THE FIRM DURING 2006-11......35
3.1.3 ANALYSIS OF RECOVERY FROM 2006 TO 2011......................................36
3.1.4 ANALYSIS OF ARREARS DURING 2006-11..37
3.1.5 COMPARISION OF RECOVERY AND DISBURSMENT.............................38
3.1.6 CHART SHOWING RELATION OF BORROWINGS AND LOANS &
ADVANCES................................................................................................................40
3.1.7 INTEREST RECEIVABLES ON LOANS AND ADVANCES OF THE
COMPANY FROM 2006-2011...................................................................................41
3.1.8 BAD & DOUBTFUL DEBTS TO LOANS & ADVANCES............................43
3.1.9 ANALYSIS OF LOANS& ADVANCES AND NPA OF THE COMPANY....44
3.1.10 ANALYSIS OF NET PROFIT.........................................................................45
5.1 PRESENT RECEIVABLES MANAGEMENT MODEL OF THE FIRM...........60
5.2 PROPOSED RECEIVABLES MANAGEMENT MODEL OF THE FIRM........61