A STUDY ON CHALLENGES FACED BY LOAN APP

Report submitted in partial fulfilment of the requirements for the award of the degree of

BACHELOR OF COMMERCE

of

CMR UNIVERSITY

By

NAME : Rajath M Achar

Reg No : 20DBCOM157

Under guidance of

PROF. Jayashree

School of Economics and Commerce

Batch

2020-23

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 DECLARATION(BY THE STUDENT)

I hereby declare that the internship work entitled submitted to the SCHOOL OF
ECONOMICS AND COMMERCE, CMR UNIVERSITY, Bangalore, is a record of an
original work done by me under guidance of prof “Jayashree”, project work is submitted in
the partial fulfilment of the requirements for the award of bachelor of commerce
administration by CMR University.

I also declare that this project is the outcome of my own efforts and that it has not submitted
to any other university of Institute for the award of any other degree or diploma or
certificate.

Place: Bangalore Name: Rajath M Achar

Date: Register Number: 20DBCOM157

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 CERTIFICATE OF ORIGINALITY

This is to certify that the internship titled “A study on challenges faced by loan app “is an

original work of Mr Rajath M Achar; bearing University Register Number 20DBCOM157

and is being submitted in partial fulfilment for the award of the Bachelor’s Degree in

Commerce by CMR University. The report has not been submitted earlier either to this

University for the fulfilment of the requirement of course of study.

GUIDE SIGNATURE DIRECTOR/DEAN SIGNATURE

DATE: DATE:

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 ACKNOWLEDGEMENT

This is a matter of pleasure for me to acknowledge gratitude to CMR

University for giving me an opportunity to find out about how capable I am of managing
real life situations and my abilities through this project work.

I would like to take this opportunity to express my deep and sincere gratitude to Dr Latha
Krishnan Director of School of Economies and Commerce, CMR University who gave me a
chance to show my capability and allowed me to carry out a project guide under Jayashree
B faculty of School of Economies and Commerce, CMR University.

I present my heartfelt gratitude towards Dr Shobha B G for giving me this opportunity to

wide my horizons of understanding by giving me the project on "A study on challenges
faced by loan app" By working on this project, I got an opportunity to learn the problems
faced by stock trader. The credit also goes to the timely guidance and support given by the
others who has helped me in enhancing my interest and understanding of the intricacies
involved with the subject.

Last, but not the least, I would like to thank everyone who has helped me in the successful
completion of the project. The whole experience was gratifying, especially in terms of
knowledge and information.

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 TABLE OF CONTENTS:

Report Structure

CONTENTS

Chapter No INDEX Page No

1 Theoretical Background and Methodology

2 Industry Profile & Company Profile

3 Organisation Structure

4 Departmental Study
5 SWOT Analysis and Mckinsey 7’s Model

6 Summary of Findings, Suggestions/Recommendations and Conclusion

 7 Learning Experience 

  Bibliography 

  Annexure

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 CHAPTER-1

THEORETICAL BACKGROUND AND METHODOLOGY

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Significance of internship study:

An internship provides the work experience that helps students put their education into practice, develop
their leadership skills and give them a competitive advantage as they pursue a permanent position

Internships are beneficial because they help develop your professional aptitude, strengthen personal
character, and provide a greater door to opportunity. By investing in internships, you'll give yourself the
broadest spectrum of opportunity when seeking and applying for a job after college

Objectives of the internship study:

1) Bridging the Gap between practical world and theoretical world.

2) To analyse the cash flow statement of the company.

3) To analyse the strength and weakness of the company.

4) To study the functions of various departments in the organization.

Methodology of internship study:

In order to contract the report, I have collected necessary information from two sources

a) Primary Sources of Information.

b) Secondary Sources of Information.

A) Primary sources of information: The Primary data collected from the following source

1) Face to face discussion:

The information discussion among the people. When one person discusses his views, opinion to another
person and exchange their views in the presence of both then it is called face to face conversion.

2) Telephonic discussion:

A telephonic discussion conversion is a type of oral communication, in which these two -person share their
thought and views to each other. In other words, communication that is taking place between two people
with the help of the telephone is a telephonic conversion.

3) Oral interview:

It is an interview where candidates are asked job related questions and a panel of subject matter experts
evaluate the responses and scores the candidate in a critical dimension (knowledge, skills and abilities).

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B) Secondary sources of information: The secondary data collected from the following sources:

1. Website of StuCred

2. Various documents of StuCred

Scope of internships:

1. Job experience. Job listings often describe requirements such as education and minimum job
experience.

2. Research experience.

3. Access to a variety of tasks and departments.

4. Mentorship.

5. Help guide career goals.

6. Create a professional network.

7. Build a strong resume.

8. Secure good references and recommendations.

Limitations of an internship:

1. It won't pay much. Most companies hire interns on the cheap.

2. It may get the grunt work. Some employers or managers take advantage of interns and give them
mindless work that doesn't build new skills.

3. It could get labelled. Sure you have a college degree.

4. The hours can vary.

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 Chapter 02

Industry overview & Company profile

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 INDUSTRY OVERVIEW

Definition

The financial services industry manages money for individuals and corporations. It comprises such
organizations as commercial and investment banks, insurance companies, hedge funds, credit-card
companies, consumer finance firms, accounting agencies, and brokerage firms. The industry’s services are
mainly related to banking and insurance services, asset management, investments, foreign exchange, and
accounting.

Financial services form the lifeblood of economic growth and development. They facilitate the setting up
of big and small businesses and the expansion of businesses. Employment and entrepreneurship created
with the help of the services enable people to earn and save.

Financial services show the poor ways out of poverty and of leading better lives. To the wealthy, financial
services offers opportunities to make money grow.

The financial services industry is the largest-earning sector in the world. Through interventions in industry
and agriculture and other formal sectors, they provide lines of credit and investment.

However, financial services have largely eluded the poor and small and micro units, and there is great
potential to extend the services to the informal sector, too. Perhaps, the future of the financial sector lies
here.

Introduction

StuCred is a product of KREON FINNANCIAL PRIVATE LIMITED. StuCred - Real-Time Student

Credit, is a secure loan app offering quick, short-term loans to empower college students in India. StuCred
provides instant credit at 0% interest. StuCred has the stability of an established firm, the heart of a start-
up.

Address: 19, Aroshree Towers, Rutland Gate 4th St, Nungambakkam, Chennai, Tamil Nadu 600006.

Significance of Internship Study

 Entry level positions permit you to acquire an upper hand Subsequently, you want a method for aiding
give you a strategic advantage and make yourself stick out.
 Temporary positions can furnish you with experience and the abilities to assist with making bosses notice
you and as well as showing them that you would be ideal for their organization.
 An entry level position gives the work insight that assists understudies with trying their schooling, foster
their initiative abilities and give them upper hand as they seek after an extremely durable position.

The Company

Altus Financial Services is a registered Financial Services Company providing short to medium term
financing to Individuals, Small and Medium sized Enterprises (SME) in Zambia. Altus is registered and
supervised by the Bank of Zambia. The Company commenced operations in 2016. The Altus team is

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young, vibrant and innovative and have significant experience in the financial services industry. Altus
Financial Services was founded based on the need to fill a gap in the way financial services are offered to
individuals and Small and Medium Enterprises.

The Altus team is continuously looking for innovative and efficient means of clients accessing short term
financing. We realize that not every business or personal loan application will fit in the "straight and
narrow" traditional loan appraisal checklist and we therefore look at different ways of serving our clients
with the information they have readily available for a credit appraisal.

Company overview
StuCred is a product of KREON FINNANCIAL PRIVATE LIMITED. StuCred - Real-Time Student
Credit, is a secure loan app offering quick, short-term loans to empower college students in India. StuCred
provides instant credit at 0% interest. StuCred has the stability of an established firm, the heart of a start-
up.

With Good Infrastructure, Skilled manpower, we achieve better quality and accuracy in all our products.
Evolving ourselves with time we have achieved a special place for ourselves in domestic markets in which
we operate our business.

We have a well-defined quality control process that is structured to meet the international benchmark of
quality. Our core competence is “Customer Satisfaction” and we are improving upon the quality of our
product & service, we endeavour to create value for our customer.

Co-Founder’s Of The Company

 Henna Jain Tatia – Co-founder

 Jaijash Tatia - Co-founder

 Varsha Kotadiya - Compliance manager

Each member of the company senior management has an average of 10 years’ experience in the industry.
Added to the depth of experience are young, energetic employees, Technicians, Machinists etc...

How StuCred reached to top most position?

 There principles, values and ideologies

 Efficient work force, skilled technical and labour
 Feedback from there valuable clints brought to there
 They thank each other and everyone of team for their support and hard work.

Company Team

The company have highly passionate and dedicated professionals on board who help our team. Members to
define the road to success. The people emphasize on maximizing the customer satisfaction which gained us
a competitive advantage to be on top. Further, we strive to foster a collegial work environment and value
the contributions and innovative approach of our every individual. Our team comprises of highly

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experienced product development employees, R & D specialists, inventory managers, quality controllers
and a trained

Infrastructure

They firmly believe that our well-integrated infrastructure plays the key role in our efficiency to meet and
exceed the clients’ expectations in this challenging business environment. Our modernized work setup is
sprawling across a large area and fully equipped with most advanced R & D facilities. Further, we strive to
redefine the manufacturing process; hence we make sure to upgrade our infrastructure on a regular basis

The organization was founded with the mission to be the innovation leader and we take pride of our line of
products that is gaining huge acclamation for its higher functionality and unmatched quality standards. We
are a focused firm working closely to identify the clients’ demand and bring forth the unrivalled product
range featuring benefits of cost efficiency and durability. Further, our offered manifold systems are
developed using the next generation manufacturing technology at our modernized work setup that allows
us to deliver each product within the agreed time frame.

Vision / Mission

• Our vision is to be the preferred financial solutions provider for Personal credit, Small and Medium
Enterprises (SME's) in Zambia.
 Preferred financial Institution by Individual and SME customers in our chosen markets through
offering innovative products and services, preferred employer by attracting, developing and retaining
good quality employees
• Increase value in our society by lending responsibly and supporting the society in which we operate in
• Grow value for our shareholders

Product of the company

Instant loans, credit.

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 Chapter 3

Organisation structure

Introduction
An organizational structure is a system that outlines how certain activities are directed in order to achieve
the goals of an organization. These activities can include rules, roles, and responsibilities.

The organizational structure also determines how information flows between levels within the company.
For example, in a centralized structure, decisions flow from the top down, while in a decentralized
structure, decision-making power is distributed among various levels of the organization. Having an
organizational structure in place allows companies to remain efficient and focused

Businesses of all shapes and sizes use organizational structures heavily. They define a specific hierarchy
within an organization. A successful organizational structure defines each employee's job and how it fits
within the overall system. Put simply, the organizational structure lays out who does what so the company
can meet its objectives.

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This structuring provides a company with a visual representation of how it is shaped and how it can best
move forward in achieving its goals. Organizational structures are normally illustrated in some sort of chart
or diagram like a pyramid, where the most powerful members of the organization sit at the top, while those
with the least amount of power are at the bottom.

Advantages of organisation structure

 A good organizational structure facilitates attainment of objectives through proper coordination of all
activities

 In a good organizational structure, the conflicts between individuals over jurisdiction are kept to a
minimum

 It eliminates overlapping and duplication of work

 It facilitates promotions of personnel

 It aids in wage and salary administration

 Communication is easier at all levels of organizational hierarchy

 A well-structured organization provides a sound basis for effective planning

 It results in increased cooperation and a sense of pride among members of the organization

Disadvantages of organisation structure

 The operation of the functional organizational structure is, complicated and is not easily understood due
to its various technicalities.
 A functional manager tends to create boundaries around himself and thinks only in terms of his own
department rather than the whole enterprise.
 There is a general lack of coordination among the functional executives which causes the delay in
decision making. When a decision problem requires the involvement of more than one specialist.

4. Segregation

Employees in different teams do not get the opportunity to meet and share perspectives, which can be
harmful for the progress of the business in the long run.

5. Weakening of Common Bonds

Having a common organizational purpose improves employee morale and performance and is an
important predictor of organizational success. When each group of specialists in a functional
organization is relatively isolated, the common bond that emphasizes a single overarching organizational
purpose is almost inevitably weaker than in an organization where different kinds of employees regularly
interact.

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6. Lack of Coordination

As communication becomes increasingly dominant in organizations, isolated groups may underperform

or even fail because they have no institutionally recognized way of communicating needs and issues to
other functional groups that might have helped.

7. Territorial Disputes

These disputes may have to do with disagreements over goals, budgetary competition or any number of
issues that stem from a clash of egos that occur when each department has its own separate functional
structure or where a strong sense of a common purpose is lacking.

Organisation structure of StuCred

VICE
CHAIRMAN

CEO

DIRECTOR OF DIRECTOR OF DIRECTOR OF

FINANCE PRODUCTION MARKETING

PURCHASE SALES

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 CHAPTER 04

DEPARTMENTAL STUDY

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Introduction

1. Production Department

2. Store Department

3. Sales Department

4. Finance Department

4.1) Production department

A production department is a group of functions within a business that is responsible for the manufacture
of goods. This can include just a few specialized functions with all other work outsourced, or a fully
functioning department that converts raw materials, assembles components into finished goods, and
packages them.

The production department can be the largest organization within a business. It may employee mechanics,
machine setup specialists, maintenance personnel, and machine operators.

Production is a fundamental societal and economic activity. Production has to do with the transformation of
raw materials into useful objects and includes the knowledge to complete the transformation effectively.
Thus, production is a board topic ranging from philosophies about how to approach production such as
lean and quick response manufacturing, how to organize production facilities, how to analyse production
operations, how to control the flow of materials during production, the devices used to move materials
within a facility, and strategies for coordinating multiple production facilities.

The production department is responsible for converting raw materials and other inputs into finished goods
or services. In between the processes of production, the department works to improve the efficiency of the
production or assembly line so that it can meet the output targets set by company management and ensure
finished products offer consumers the best value and quality.

4.2) Duties and responsibility of production department

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Identifying Inputs

A business determines the quantity or volume of goods that should be produced within a certain time frame
and passes the information to the production department. To meet production targets, the department
establishes the quantity of raw materials and types of machinery and equipment required to achieve the
desired output level, and may collaborate with the purchasing department to source the inputs. If there isn't
sufficient manpower to support productions process, the production department asks the firm to hire more
personnel.

Minimizing Production Costs

The production department is tasked with finding effective ways to lower production costs. One simple
way to do this is to keep the production machinery and equipment well-maintained so the firm does not
regularly incur repair costs. Along with advising the business to adopt newer technologies, the department
can also assess the production line to identify opportunities for cost reduction. For example, if the type of
wood used a long time to air-dry – requiring an investment in wood dryers – it could be less costly for a
furniture manufacturer to purchase dried lumber.

ENSURING PRODUCT QUALITY

A production department must ensure finished goods meet minimum quality standards. Apart from
checking all products for faults as they move through the production process, the department must perform
rigorous tests on prototypes for new products to ensure they meet quality benchmarks before undergoing
mass production. Techniques such as waste elimination and process standardization also help to ensure and
improve product quality.

IMPROVE EXISTING PRODUCTS

From time to time, the production department will furnish the research and development department with
information it can use to improve existing products. For example, when the production department of a
smartphone manufacturer notices that the material it uses to make phone casings bends when subjected to
some pressure, the department must advise the research team so that it can seek stronger materials.

ACQUISITIONS AND DIVESTITURES

Although it is different in each firm, the strategy department always has some input into the process of
buying or divesting companies. It prepares analysis of potential target firms and evaluates whether it
coincides with the firm's overall strategy. In addition, the department may recommend that one division is
not performing well and should be sold off. It may also recommend that a division does not fit in with the
overall strategic direction of the firm or does not bring any economies of scale so it can be divested.

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Stores Department

Department store, retail establishment that sells a wide variety of goods. These usually include ready-to-
wear apparel and accessories for adults and children, yard goods and household textiles, small household
wares, furniture, electrical appliances and accessories, and, often, food. These goods are separated into
divisions and departments supervised by managers and buyers. There are also departmental divisions of
merchandising, advertising, service, accounting, and budgetary control.

Department stores are often classified according to the kinds of goods they carry and the prices they
charge; typical categories include discount, general merchandise, fashion or high fashion, and specialty.
Many offers additional services, including gift wrapping, alterations, delivery, and personal shopping.

Objectives of Store Management

 To ensure uninterrupted supply of materials without delay to various users of the organization.
 To ensure safe handling of materials and prevent their damage.
 To protect materials from pilferage, theft, fire and other risks.
 To ensure proper and continuous control over the materials.
 To optimize the efficiency of the personnel engaged in the store.

Sales Department

Sales Management relates to the process of constituting a marketing team, coordinating sales activities,
and implementing sales techniques. The basic goal of sales management is to assist businesses to achieve
their sales goals. Most of the Sales leaders are successful certificate holders in an online course in sales
and marketing that helps them adopt the latest technology.

The 7-step of sales process

 Prospecting
 Preparation
 Approach
 Presentation
 Handling objections
 Closing
 Follow-up

Payment can be done by

 Cash
 Debit or Credit card
 Cheque
 Internet banking.
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Key take aways

Ø Product is being sold directly by the company (No Intermediaries).

Ø Sales is done only after receiving full payment only.
Ø No stock of products.
Ø Till now no cancellation of orders.
Ø Company is running from past 22yers.
Ø Orders can be made by phone and from website also.

Finance department

Finance department plans and manages company money, making sure a business can access cash in
sustainable ways. This department can be as simple as a few people managing invoices or as complex as a
team of hundreds with multiple levels of management.

The finance department and the legal department usually work very closely with each other in bringing
together the commercial terms of a deal provided by management and/or the commercial/sales department
to ensure the best financial outcome for the business. Similarly, to the legal department, they are likely to
have the most interaction with all areas of the business, as opposed to other departments which may have
no real day-to-day need to be involved with certain other departments. The finance department will also be
heavily involved in all areas of the business engaging with external suppliers to ensure the organization
gets the best deal from the right organization, that payments are made and received on time, as well as all
other departments to ensure budgets are adhered to and not exceeded. In addition, finance works to ensure
the business is best protected when it comes to matters such as making sure payment terms fit with the
business needs, as well as ensuring that the business has a right of recourse in the event of late or non-
payments (where the company is the supplier) and in terms of getting the products and services for which it
has paid (where the company is the customer).

Finance is one of the major pillars of any organization and an essential ingredient to a successful business.
Nowadays, a finance department has a broad range of roles to carry out within or outside an organization.
The performance and success of any company greatly depend on how well the finance is handled. Keeping
a close watch on the financing function is very important for the smooth operation of a company. In this
write-up, therefore, I will be reviewing the roles and responsibilities of a finance department in a
pharmaceutical industry but before I do so, the meaning of “finance” and “finance department” have to be
explained.

Roles and Responsibilities of a Finance Department

The contributions of finance department to any company and how these contributions positively affect
organizational performance will greatly depend on factors such as the extent to which the owner/ manager
is involved in his company.

 Bookkeeping
 Management of company’s cash flow
 Budgets and forecasting
 Advising and sourcing longer-term financing

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 Management of Taxes
 Management of Company’s Investments
 Financial Reporting and analysis

Management of company’s cash flow

Cash flow management is the process of tracking how much money is coming into and out of your
business. This helps you predict how much money will be available to your business in the future. It also
helps you identify how much money your business needs to cover debts, like paying employees and
suppliers.

Cash flow management is keeping track of this flow and analysing any changes to it. This helps you spot
trends, prepare for the future, and tackle any problems with your cash flow. Cash flow statements show
whether you’re able to cover short term expenses like bills and employee wages. It is also useful for
investors, as it shows how well your business can bring in money.

Managing of cash flows in small business

managing your cash flow effectively is absolutely essential, and for many, it’s the key to business survival.
You’ve probably heard the statistic that over 60% of businesses that fair are still profitable, but just ran out
of cash.

If you’ve used a lot of your working capital, you may come up against a cash crunch that prevents you
from paying suppliers, buying materials and even paying salaries. The time delay between the time you
have to pay your suppliers the time you receive money from your customers is the problem, and the
solution is cash flow management.

That’s why it’s critical to maintain a level of working capital that allows you to make it through those
crunch times and continue to operate the business. Simply put, cash flow management means delaying
outlays of cash as long as possible while encouraging your customers to pay it as quickly as possible.

How Finance Departments Are Changing

The demands placed upon the financial division of a company are multifaceted and rapidly changing.
Traditionally, finance departments were ancillary to leadership. They would provide the numbers and data
that executives used to inform big business decisions, but they wouldn’t necessarily make those decisions
themselves. However, with recent shifts in the availability of tech tools as well as a shift in openness to
non-traditional financial resourcing solutions, finance departments are becoming able to take on a much
more strategic role.

New technology and automated processes have relieved finance teams of repetitive, manual tasks so the
team can focus on adding value to the organization.

For example, cloud-based accounting software allows accountants to automatically store large amounts of
customer data like payroll, tax and invoice information at a lower cost to the business. Two common cloud-
based accounting software’s are QuickBooks and NetSuite. These are full-service bookkeeping and
accounting platforms that perform several operational functions like accepting business payments, payroll
and more.

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This digital transformation implies that future finance department professionals will need more than
mastery of financial concepts. According to McKinsey’s Finance 2030 article, finance professionals will
also need skills in programming and computing analytics so they can easily navigate complex finance and
AI tools. They will also need to be able to translate the outputs into plain English for stakeholders.

New technologies are rapidly automating bookkeeping and accounting procedures so finance departments
can move resources away from administrative tasks and more toward analysis and strategy. With large
amounts of data in one place, analysts, controllers and CFOs can now easily perform customized analyses,
recognize patterns and make better-informed business decisions. In sum, new finance technologies are
augmenting finance roles, enabling them to be more analytical and bring strategic insight to the table
because it is reducing the need for people to focus solely on data collection. Future-proofing your finance
department requires continuing to adapt as technology and the workplace evolve. At the same time, core
finance department functions and roles need to be addressed to support your business needs.

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 CHAPTER 5

SWOT ANALYSIS

StuCred is a product of KREON FINNANCIAL PRIVATE LIMITED. StuCred - Real-Time Student

Credit, is a secure loan app offering quick, short-term loans to empower college students in India. StuCred
provides instant credit at 0% interest. StuCred has the stability of an established firm, the heart of a start-
up.

With Good Infrastructure, Skilled manpower and by using Advanced Machinery, we achieve better quality
and accuracy in all our products.

Evolving ourselves with time we have achieved a special place for ourselves in domestic markets in which
we operate our business.

The organization was founded with the mission to be the innovation leader and we take pride of our line of
products that is gaining huge acclamation for its higher functionality and unmatched quality standards. We
are a focused firm working closely to identify the clients’ demand and bring forth the unrivalled product
range featuring benefits of cost efficiency and durability. Further, our offered manifold systems are
developed using the next generation manufacturing technology at our modernized work setup that allows
us to deliver each product within the agreed time frame.

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SWOT analysis is a strategic planning and strategic management technique used to help a person or
organization identify Strengths, Weaknesses, Opportunities, and Threats related to business competition or
project planning It is sometimes called situational assessment or situational analysis.

SWOT analysis has been used at different levels of analysis in many arenas, not just in profit seeking
organization.

Examples include non-profit organizations, governmental units, and individuals. SWOT analysis may also
be

Importance of SWOT Analysis

1. used in pre-crisis planning and preventive crisis management. SWOT analysis may also be used in
creating a recommendation during a viability survey. A SWOT analysis helps organizations get
visibility on their current status, letting them understand and measure overall business performance.

2. It lets a business analyse its strength, which in turn can help them better penetrate the market to meet
business targets.

3. It lets organizations get visibility on their weaknesses and potential areas of improvement. This
information helps them plan for and mitigate future roadblocks, ensuring the long-term growth of the
business.

4. By leveraging its SWOT analysis, a business can create a strategic plan to meet desired objectives and
adapt to changing market conditions.

5. It lets businesses understand and better identify internal and external factors and their positive and
negative impacts on the business. This information can help businesses be more proactive by helping
them take appropriate actions in a dynamic market to maintain momentum.

In conclusion, SWOT is an important tool to understand the health of organizations. It allows decision-
makers to identify not only where an organization stands but also where it needs to improve. This gives it
the ability to be proactive players in the market while helping it remain competitive.

Advantage of SWOT Analysis

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1. Builds organization’s strengths.

2. Reverse its weaknesses.

3. Maximize its response to opportunities.

4. Overcome organization’s threats.

5. It helps in identifying core competencies of the firm.

6. It helps in setting of objectives for strategic planning.

Limitations of SWOT Analysis

Price increase;

1. Inputs/raw materials;

2. Government legislation;

3. Economic environment;

4. Searching a new market for the product which is not having overseas market due to import restrictions;
etc.

SWOT Analysis of StuCred

SWOT analysis can help the brand focus on building upon its strengths and opportunities while addressing
its weaknesses as well as threats to improve its market position. Let us start the StuCreds SWOT Analysis

Strengths

The strengths of industry look at the key aspects of its business which gives it competitive advantage in the
market. Some important factors in a brand's strengths include its financial position, experienced workforce,
product uniqueness & intangible assets like brand value. Below are the Strengths in the SWOT Analysis of
the industry;

 Its “Collaborative Experience” messaging has huge impact. It’s an appropriate topic for bridging its
industry and business needs

 Strong presence in European marketplace enabling expansion of the Right shore model

 Its Right shore model proposition is focused on cost reduction, the ability to outsource business
operations and Business value

 It leverages repeatable frameworks aimed at bringing value to business customers

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 It has nearly 60+ employees in the organisation

 The enterprises has a global presence in over 15 states

 It is a multicultural organization

 It has a strong presence and a good team work among the employees

 It has strong domain experience in Public Sector, Energy and Utilities, Manufacturing, Telecom and
Financial Services sectors.

 The main strength of the company is working with diversified technology.

Weaknesses

The weaknesses of a brand are certain aspects of its business which are it can improve to increase its
position further.

Certain weaknesses can be defined as attributes which the company is lacking or in which the competitors
are better. Here are the some of the weaknesses are as follows

1. It has a comparatively heavy reliance on consulting. It is not known for its ability to take on bite-sized
service project capabilities

2. Scale and breadth of offerings presents challenges: Global integration will be never ending process

3. Inadequate definition of the customer for products and market development

4. Lack of quantitative goals

Opportunities

The opportunities for any brand can include areas of improvement to increase its business. A brand's
opportunities can lie in geographic expansion, product improvements, better communication etc. Following
are the opportunities of the industry are as follows:

 As part of its "Collaborative Experience" strategy, it is aggressively partnering with cloud computing
leaders to adapt to new IT ecosystems
 A market segment neglected by the industry that the company could target.
 New geographic shift in the target market, creating s new prospect.
 The industry which allows business to create and implement ideas and innovation and improve their
performance

Threats

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The threats for any business can be factors which can negatively impact its business. Some factors like
increased competitor activity, changing government policies, alternate products or services etc. can be
threat.

 The organisation has developed many innovative products which are developed by the competitors too

 Tough competitive market, with the advent of new small players which focuses on low-cost value
proposition

 The highly profitable goods are seasonal in nature and any unlikely event during the period may effect
the profit of the company

 The shortage of people that are skilled in some global market may acts as a threat for profit growth.

Mckinsey 7s model
The 7S marketing model was developed by McKinsey back in the 1980’s. The 7S element includes –
Structure, Strategy, Skills (these three are the hard elements), Staff, Style, System, and Shared Value (the
rest are soft elements). This is a strategic tool that analyses the company’s organizational design by looking
at these 7 core elements.
1. Strategy
What should be the strategy of the business? A question that every marketer should ask themselves. Do you
think your business can run without having a proper strategy? Of course, no. Therefore, this 7S business
model asks you to make a powerful strategy for your business and implement it. Think about how you can
set your business apart from competitors, and what position you want to carve in the future. However, in
the 7S model, strategy means having a long-term vision in mind that helps the firm to attain a long-term
and competitive advantage. Moreover, the short-term strategy is a less effective and poor choice but if you
implement properly will surely bring results as per the model.
2. Structure
Another element in the 7S is structure. The structure talks about the organizational chart of any firm. It tells
you about the roles and responsibilities that are split amongst the different business divisions. Moreover,
the units inside the business show who is accountable and answerable to whom in the entire hierarchy. The
7S model helps you expand your company’s structure to better manage and present it in a unique way
3. Systems
The system of any business lets you know how to achieve goals and how to do business in a particular way.
In management work, the system is the main focus and members of the organization make it key stuff
during the process of organizational change. The 7S model system helps you disclose the performance of
daily activities of the business that ultimately helps you make a better decision about the company.
4. Skills
McKinsey’s 7S model focuses on skills that are essential for any organization to have. Skills are basically
helping companies to reinforce the new strategies and structure during the process of organizational
change. Moreover, you can say that skills are the abilities of employees to function a particular work in an
efficient manner. Skills also consist of capabilities required to attain the goals and objectives of any
organization
5. Staff

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No business can run without staff, right. As a company, your focus is on people who have good skills and
qualities to do work. In the 7S marketing model, the element of staff focuses on the type of employees the
company needs to be recruited, trained, rewarded, and motivated to attain its aim and objectives. So as an
established organization, you also must focus on employees that can work for you.
6. Style
The sixth element of the 7S marketing model is style. The style of the company represents the management
style of the leaders of the company and the way they manage their staff. Moreover, this element also
focuses on how the organization achieves its goals and objectives. Here managers play a great role as they
come up with new ideas that they believe their staff will use to get higher ROI for the company
7. Shared values
The last and important element of the 7S marketing model is shared values. It suggests that the guiding
concept of the organization should be visible via external as well as internal sources. If you neglect shared
values, your company will be at risk. You will be lost in the crowd of competition. This all will lead to loss
of productivity so focus on shared values also.
Summary;

SWOT analysis of the company is the brand by its strengths, weaknesses, opportunities & threats. In
StuCred SWOT Analysis, the strengths and weaknesses are the internal factors whereas opportunities and
threats are the external factors.

SWOT Analysis as proven management framework which enables a brand to set a benchmark its business
& performance as compared to the competitors. It is one of the leading brands in the Technology sector and
services sector.

SWOT (Strengths, Weaknesses, Opportunities, Threats), top competitors and includes its target market,
segmentation, positioning & Unique Selling

The various services of the industry are delivered through four main disciplines like Technology,
Consulting, Local professional services, and outsourcing. It enables the organization to understand their
business ambitions by many services that start from strategy to operations. It is driven by the belief that the
business value of technology is derived from and by the people. It provides an integrated service that
combines top technologies with sector expertise.

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 Chapter 6

FINDINGS, SUGGESTIONS AND CONCLUSION

I just found that this STUCRED is one of the well growing private sector company in India. This is a very
good company Lending Loans

Objectives and scope of the study is as follows:

1. The analysis on cash flow statement is to see the transaction of cash and cash equivalents in the
company
2. To help the company to use their inflow of cash and cash equivalents to invest in a profitable share in
the stock market.
3. To see that there is an increase cash reserves to meet the company's requirements

4. In accessing the management risk involved in using its funds.

The summary of the findings is as follows:

From the profit/loss on sale of investment/fixed assets says that there is a constant. Increase in the year
2012-2013, 2013-2014 whereas in the year 202014-2015 slightly decrease in the value on sale of fixed
assets. from the graph we can conclude that there is decrease in the year 2013-2014 i.e.

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1) 967.32) whereas in the year 2014-2015 the value has been increased in that is (59.88). 5) from the table
we can analyses that there is decrease in the year 2013-2014 i.e. (967.32) whereas in the year 2014-2015
the value has been increased that is (59.88).

2) From the changes in operating profit before working capital changes we can say that in the year 2012-13
the value has been increasing by (6934.97), but in the year 2013-2014 the value has decreasing has
(41527.55), whereas in the year 2014-2015 the company shows a

3) From the table of net cash used in investing activities the company has used in investing activities in the
year 2012-2013 it was increasing. But un the year 20132014 it was decreasing. whereas in the year 2014-
2015 the company get un improvement in investing activities increasing the values.

4) From the of net increase/decrease in cash and cash equivalents we can say that in the year 2012-2013
the company get good profit. But in the year 2013-2014 the profit has been decreasing. whereas in the year
2014-2015 shows a good profit of 66305.9.

As the completion of the study on cash flow analysis is nearing an end, I would like to say that the
company has a good cash flow statement for the three years which is under studied. but even though it is
said that it has a food cash flow statement, it is in a good position only in the year 2014-2015 but whereas
in the years 2012-2013 and 2013-2014 it has little decrease in net value of cash and cash equivalents.
Finally, I would like to conclude that that if this company tries to have a return from its operations
activities its main strength that helps them to have a strong cash flow statement,

RECOMMENDATIONS AND SUGESSTIONS

1) The accounts and balance sheet that had referred of the company shows that the company maintained to
a certain level Where it has power to meet its day-day need of the week, By observing the accounts of the
company for the three financial years, would like to suggest the company that it had maintained a good
flow of cash I.e., inflows and outflows between years 2012-2013 and 2016-17, if the company tries to main
their cash flow statement in that they can easily plan for the company's future and indulge in doing more
new projects without any hurdles.

2) When we compare the operating activities table of the company for the past three financial years, we can
conclude and suggest them by saying their they have had a good operating activity in the years 2012-13
and 2014-15. But in the years 2013-14 the operating activities have gone at a decreasing level.

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3)By seeing the table of investing activities, we can suggest that the company needs to invest in more
short-term years assets so that would get the required level of the cash inflow at the right time when the
ongoing project asks for such requirements.

4) In the financing activities, the company has shown a good progress in the compared years of 2012-13 &
2013-14 and 2016-17, from this should maintain this kind of level in the financing activities so that they do
not get financial deficit more than the limit.

Conclusion

For achieving heights in the financial sector, the mutual fund companies should formulate the strategies in
such a way that helps in fulfilling the investors’ expectations. Today the main task before mutual fund
industry is to convert the potential investors into the reality investors. New and more innovative schemes
should be launched from time to time so that investor’s confidence should be maintained. All this will lead
to the overall growth and development of the mutual fund industry.

There are an incredibly large number of mutual funds. While some mutual funds aim to produce short
term, high yield profits, others look for the long-term profit. But, large segment of people are scared to
invest in the capital market. Some personal and family factors are pulling them in deciding different
type of investments. Age, Gender and marital status are some of the socio demographic factors that
share the investors decision and preference in making investments. Many studies have shown that age
interact with financial information and issues differently.

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 CHAPTER 07

LEARNING EXPERIENCE

By this project I understood the procedure involved in the calculation of comparative study of cash flow
analysis for three years and also helped in completing my project. This also made a good opportunity to
know about a government sector company functioning waste to the project and all other function its they
are indulge in other departments. At the end, my experience in this company was very much help full to me
I would recommend my junior students to their projects in this as there help full guides the company and
hoping that the company would encourage the future students to get a good exposure to the corporate world
this as shown an average return to the company as compare to three years, the company as to maintain a
good return of cash from daily working of the company. This has been in good level to influence the net
cash flow from operating activities, in each year there as been improvement I would suggest the company
to maintain a good inventory so that there will be able to meet the immediate need the company.
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Considering the activities of the company, from operating activities from which the company as gained
good profit but still it as concentrates more as this is the core income from the company. There is an
increasing profit from this activity till last year of the company as to consider the value for their fixed
assets so that there can increase profit from sale of fixed asset and also increase the interest by giving it for
hire. As we compare all the three years cash flow in financing activities it can be concluded that there is a
good but the value for proceeds from short term borrowings should increase so that the depreciation value
for the borrowing gets decreased.

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