Professional Documents
Culture Documents
Cooperative Banks
Cooperative Banks
ISSN 2250-3153
MBA, M.A. (Economics), New Delhi, India, Faculty: Apar India College of Management and Technology
MBA, UGC-NET-JRF, New Delhi, India, Faculty: Apar India College of Management and Technology
**
I. INTRODUCTION
o-operative banks are small-sized units organized in the cooperative sector which operate both in urban and non-urban
regions. These banks are traditionally centered on communities,
localities and work place groups and they essentially lend to
small borrowers and businesses. The term Urban Co-operative
Banks (UCBs), though not formally defined, refers to primary
cooperative banks located in urban and semi-urban areas.
These banks, until 1996, could only lend for nonagricultural purposes. As at end-March 2011, there were 1,645
UCBs operating in the country, of which majority were nonscheduled UCBs. Moreover, while majority of the UCBs were
operating within a single State, there were 42 UCBs having
International Journal of Scientific and Research Publications, Volume 2, Issue 10, October 2012
ISSN 2250-3153
No. of Respondent
Percentage (%)
House loan
16
32%
Personal loan
15
30%
Consumer loan
12%
Educational loan
16%
Vehicle loan
6%
Other
4%
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International Journal of Scientific and Research Publications, Volume 2, Issue 10, October 2012
ISSN 2250-3153
No. of Respondent
Percentage (%)
8%
20,000-50,000
10
20%
50,000- 1 lac
12%
30
60%
of
No.
Respondent
6
of
5
17
19
3
Percentage
(%)
12%
10%
34%
38%
6%
No.
respondent
34
13
3
of
Percentage
(%)
68%
26%
6%
No. of respondent
Percentage(%)
12%
1 to 3 years
10
20%
32
64%
Figure 5: Average time taken for the processing of the loan
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International Journal of Scientific and Research Publications, Volume 2, Issue 10, October 2012
ISSN 2250-3153
No. of respondent
16
30
4
Yes
No
Cant say
No. Of respondent
34
6
10
Percentage (%)
68%
12%
20%
Percentage (%)
32%
60%
8%
No. of respondent
7
15
28
Percentage (%)
14%
30%
56%
No. of responedent
Percentage(%)
Excellent
12
24%
Good
26
52%
Average
12
24%
Poor
2%
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International Journal of Scientific and Research Publications, Volume 2, Issue 10, October 2012
ISSN 2250-3153
6.
7.
i.
ii.
iii.
iv.
2.
3.
4.
VIII. SUGGESTIONS
1.
2.
3.
4.
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International Journal of Scientific and Research Publications, Volume 2, Issue 10, October 2012
ISSN 2250-3153
IX. LIMITATIONS
1.
2.
3.
4.
REFERENCES
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AUTHORS
First Author Jyoti Gupta, MBA, M.A. (Economics), New
Delhi, India, Faculty: Apar India College of Management and
Technology, E-mail: jyotigupta.19@rediffmail.com
Second Author Suman Jain, MBA, UGC-NET-JRF, New
Delhi, India, Faculty: Apar India College of Management and
Technology, E-mail: himsnpmba0964@gmail.com
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