Professional Documents
Culture Documents
Introduction
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In the contest of developing counting like Nepal these is great
importance of co-operative society. It helps the weaker section of
community for their social and economic enlistment. It collects the little
money saver and provide the users who gives the return of that saving.
From that process investors and users both got benefits at last directly or
indirectly government/nations got advantages. A co-operative society is
mainly focused for the poor and weaker section of community.
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4. To know about rules of bank, interests rates and needs of
documents while investing.
5. To know about the mobilization of the collected fund from the
individuals.
6. To know about the loan invested and collected by the firm.
7. To know about the difficulties faced by the firm and individual
in the process of loan mobilization.
1.5 Hypothesis
It is assumed that the loan mobilization of the company is in better
condition. Better loan mobilization means that the amount collected in
the co-operation are mostly utilized as loan. We can also assume that the
risk is diversified it means loan is allocable in different and suitable
sectors. Loan if provide in only one sector may result loss to the company
but if it is diversified, if loss occurs in one sector, it can be recovered
from the profit of other sectors, in the same way the recovery of loan and
interest is also assumed to be utilized in the productive sector which
provides timely and better return.
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4. Being a student resources constraint is another factor that has
limited the scope of the study.
CHAPTER – II
2. Research Methodology
Methodology is studying ways. This is important part in report
writing. Researcher should be adopting good methodology in research.
Actuality methods used for the project by research are discussed as
below.
Data collection
Report writing
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2.2 Method of Data Collection
It can be adopted different method to collect the data, while
studying something we have to depend on nature and objective of
relative's subject. To identify the planning of the project tow type of data
collection .they are as follow:-
A) Primary data collection
B) Secondary data collection
►Interview
►Visiting with relative person
►Question
►Investigation
►Observation
►Phone & e-mail
►Firm’s daily book
I. Interview
II. Tabulation method
III. Observation
IV. Schedules
V. Percentage method
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VI. Graphical Presentation
- Pie chart
- Bar Diagram
- Figure
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2.5 Chapter Scheme
The Chapter planning is found different ways which are given
below:
Chapter I – Introduction
Chapter I – Research Methodology
Chapter I – Presentation and Analysis of Data
Chapter I – Summary and Conclusion
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CHAPTER – III
A) Investment of Loan
The fund collected from the individuals is invested in different
sectors. Investment in the productive sector helps to generate
employment opportunity as well as to earn a good return in the same way
this collection also helps to solve the minor economic problems of the
daily life by investing in nonproductive sectors.
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Table No. 1
Investment of loan in various sectors
NRs. '000'
S.N. Fiscal year sector 060/061 061/062 062/063
1. Agriculture 430 510 580
2. Household 425 500 530
3. Housing 305 560 730
4. Business 360 515 830
5. Education 130 330 310
6. Emergency 80 120 130
Total 1730 2535 3110
(Sources: Annual audit report of SMCSL)
Figure No. 2
Bar diagram of investment of loan in various sector
900
800
700 060/061
600
500
400 061/062
300
200
062/063
100
0
ure
n
ol d
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cy
s
ati
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en
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si n
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Ho
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Bu
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Ho
Sectors
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B) Recovery of Loan
The loan invested is to be recovered within a specific time.
Table No. 2
Recovery of loan from various sectors
(Rs. In '000')
S.N. Fiscal year sector 060/061 061/062 062/063
1. Agriculture 400 445 490
2. Household 205 315 370
3. Housing 145 310 473
4. Business 310 470 635
5. Education 105 170 185
6. Emergency 20 50 65
Total 1185 1760 2218
(Sources: Annual audit report of SMCSL)
Figure No. 3
Bar diagram of Recovery of loan from various sector
700
600 060/061
500
Amount (Rs.)
061/062
400
300 062/063
200
100
0
ture
on
sing
ol d
y
ss
enc
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cati
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Hou
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Bus
Edu
Hou
Agr
Em
Sectors
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C) Interest received by the co-operative Ltd.
The collected deposit is invested in various sectors. For such
investment certain percentage of interest in charged. Interest rate may be
different for different purposes.
Table No. 4
Interest received in various sectors
(Rs. In '000')
S.N. Fiscal year sector 060/061 061/062 062/063
1. Agriculture 93 157 203
2. Household 75 83 117
3. Housing 54 87 133
4. Business 81 141 231
5. Education 17 31 66
6. Emergency 16 19 38
Total 336 518 788
(Sources: Annual audit report of SMCSL)
Figure No. 4
Bar diagram of interest received in various sectors
250
Amount in Rs. '000'
060/061
200
061/062
150
100 062/063
50
0
ture
on
sing
ol d
y
ss
enc
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cati
seh
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Hou
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Bus
Edu
Hou
Agr
Em
Sectors
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D) Amount due to receive
All of the amount invested can not be received on a certain date
due to many problems.
Table No. 5
Amount due to recover in various sectors
Figure No. 5
Pie Chart of amount due to recover
9% 8%
Agriculture
14%
26% Household
Housing
Business
13% Education
Emergency
30%
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a) Investment of loan
The amount collected from the individual deposition is deposition
is invested in different sectors; investment is done for various
purposes such as household, agriculture, business, education etc. In
the fiscal year 060/061 investment is Rs. 1730 thousand. In the same
way in 2061/062 and 062/063 investment is almost increasing in every
sector. In agriculture loan was Rs. 430 thousand in 2060/061 and it is
increased to Rs. 510 thousand in 061/062 and to Rs. 580 thousand in
2062/063. In the same way loan for household, housing and business
sector is also increasing in FY 2062/063 than that of FY 2060/061 and
FY 2061/062. Loan for education in decreased in FY 2062/063 than of
FY 2061/062. Demand for loan in same emergency case is also
increased here in there three fiscal years.
b) Recovery of loan
It is clear from the data that recovery of loan is also increasing in
each year. In the fiscal year 2060/061 Rs. 1185 thousand is recovered
which is 68.49% of loan invested. In the same way in fiscal year
2061/062 Rs. 1760 thousand is received which is 69.42% and in
2062/063 Rs. 2248 thousand is recovered which is 71.31% of loan
invested. Loan of agriculture purpose is satisfactorily received of
previous three years and loan for emergency purpose can not be
received satisfactorily.
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CHAPTER - IV
4.1 Summary
Nepal is an underdeveloped country. For the gradual development
of the country small savings of the individual also must be utilized in a
productive sector. It helps in economic development as well as
employment opportunity is general. So with this objective Swastik
Multipurpose Co-operative Society Ltd. is established.
Swastik Multipurpose Co-operative Society Ltd. was established in
2058 BS. with the objective of mobilization of the small savings of the
individual. This survey is based upon the study of loan management of
the Co-operative. These data about the investment and recovery of loan,
investment, interest received in loan, are collected for the easy and
effective study of the Co-operation.
4.2 Conclusion
From the above presentation and analysis of data we concluded
that fund collected is utilized in proper way. But the invested money is
mainly invested in non-productive sector such as housing, household,
education etc. If that was utilized in other sectors which can generate
income from that or create employment opportunity in the society would
be better. Even though the invested money is satisfactorily returned back
and interest is earned.
4.3 Recommendation
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♦ Co-operative can create a separate department of loan
management.
♦ Co-operative should be investing in portfolio basis.
♦ Co-operative should give training their staff to improve
working capacity
♦ New technology should be adopting to serve the customer
fast.
♦ Co-operative should attract to customer in low interest and
high interest in deposits.
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Bibliography
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Appendix
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