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CHAPTER I
INTRODUCTION

1.1 CONCEPT OF CO-OPERATIVE

A Co-operative is an autonomous association of persons united voluntarily to meet Their
common economic, social and cultural needs and aspiration through a jointly-Owned and
democratically controlled enterprise. Co-operatives may include profit and Non-profit
community organization. Co-operative is that type of organization where fund Needed
people and many others get service through a unity command. It helps to increase an
economic, social side and growth the income per person through investing in the Related
field. Many people are attached with this field, to increases an economic sector.Co-
operative is very useful for those countries where they are started their development
Process. It helps to collect small money from customers and making a big net worth and
Gives a better person to make a good investment and makes a good profit from that. In
Particular period, it is more important like our country Nepal, where we can see a
goodInvesting opportunities are on the line and we can easily grab those opportunities
with theHelp of Co-operative and we can maximize our profit and life style. It can
provide a Better moment to develop our personal skills and make life comfortable. Co-
operativ are established in Nepal in 1953, department of Co-operatives (DOC) under the
ministry Of Agriculture for Planning and Development in 1953. It started movement in
1954. In Nepal first national plan period (1956-60) developed 13 saving and credit
Cooperatives Societies for the rehabilitation of the flood victims (Rapti). The project
pronounced by Rapti Valley Development by USAID 1956.

1.1.1 PROFILE OF CO-OPERATIVES

The name of Co-operative is "BINDHAVASINI SAVING & CREDIT CO-OPERATIVE
LIMITED". Its central office is located in banepa-07,kavrepalanchowk. The operation is
located in Central development region. It has 07 branches along with head office. The
branches are In
banepa,khopashi,panauti,dungkharka,panchkhal,bhakunde,baneshwar.BSCCSLTD was
registered as Co-operative act 2049 on 2060. To extend support towards strengthening
the financial system and people to provide a money amount for business to increase their
life hood & earning Sources. It helps to increase a business & person life hood because it
gives money for Investing in the rear opportunity to earn some money and makes life
easier. In financial Year 2077/2078 it has 325261500 amount of share capital, it has
2388637813.31 saving Amount and 2314939834.03 loan amount. The main objectives of
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this Co-operative is to Reliable and quality services to the customers through healthy
competitor in the financial Industry. This Co-operative moto is to deliver full range of
quality services to customers ,maintain social responsibility and generate reasonable
profit For the shareholders. In This organization,operation is under President Mr.pradip
thapa Along with nine others members.

1.1.2 STATEMENT OF PROBLEM

As all know the main objective of any business, organization is to maximize profit,
Deposit mobilization is the key factor to attain these objectives. Therefore, if the Co-
Operative fail to employee to found suitability it is not possible to maximize profit. For
Achieve an organization objective, it needs to plan a strategic framework and design to
Circulate the credit creation. There are many problems in financial institution, because
the Lack of financial institutions services knowledge to the people. Many people under
the Poverty line, many people are not literature so people are not conscious about that
type of System and do not know about the importance.

1.2 OBJECTIVES OF STUDY

The objective of the field work to analyze the deposit collected in Bindhavasini saving &
Credit Co-operative society Limited. The study trends to present the brief and clean
picture of Deposit and its utilization. The objective of the story includes.

i. To analyze the Deposit analysis of BSCCOLTD.

ii. To analyze the Deposit analysis trends of BSCCOSLTD.

1.3 RATIONALE
In this section the analysis of BSCCOSLTD about deposit analysis helps to study about
the Current market flows, directs interaction to provide loan, market interest sensitive and
for Personal studies about organization. It may help to new students for applying new
jobs in this organization. It may help to analysis about current company status about
deposit and liquidity terms. It gives the knowledge about competing in current market
with other Same organization.as part from the new customers it may help to analysis the
company Structure and hinting about the new investing opportunities.

1.4 REVIEW OF LITERATURE

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1.4.1 CONCEPT OF REVIEW

A review is the meaning to re-study about the particular topic or subject. It may help to
Find out how to put knowledge and our vision in subject. We all know the research
Proposal is much more important while making proposal or projects. We should maintain
to review and Collect a data from old project which may make a project more suitable
In addition, more scientific.

1.4.2 IMPORTANCE OF REVIEW

We should get more knowledge and ideas from old data review to make an appropriate in
current situations. As we from researcher we should collected authenticate Data and we
should use previous final report of project to find out the use of theoretical Framework,
research design process and method. It can help to make a much better Report and
presented the current situation of the financial institutions. The deposit Mobilization is
important part for financial institutions, which provide to better Investment opportunities
and increase in gaining sources. In the current, time the deposit Mobilization is the
current issue because the increase in financial institutions sector day by day which
affected the market sectors. So if we are analysist about financial Performance ratios
analysis trend about the particular organization we should do much Old project review
and make a specific Theoretical framework and designs.

1.4.3 RESEARCH GAP

In this study, the major areas are to disclose the deposit analysis relates to Bindhavasini
Saving & Credit Co-operative society Limited. These types of research were done rarely.
This study Shows that the unique feature of findings. Previous research based on
financial Performance ratios analysis of Commercial banks in Nepal. Either it shows the
individual Sectors of Co-operative Deposit analysis analysis or particular this
BSCCOSLTD. However, this research is ready or made for Deposit analysis of
BSCCOSLTD. In the previous research, there is no clear-cut financial Performance ratios
analysis of BSCCOSLTD. The research can provide Importance to Those People who
want to deposit in BSCCOSLTD using the analysis of Deposit analysis trend of this co-
operative organization.

1.5 RESEARCH METHODOLOGY

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1.5.1 TYPES OF RESEARCH

A research design encompasses the methodology and procedures employed to conduct
Scientific research. Research design means an overall framework for the activities to be
Taken during the course of a research study. It enables the way of research be followed.
Generally, research design describes the general plan for collecting analyzing and
Evaluating data. It is an integrated system that guides the research questions and to
Control variance. The present study is diagnostic and exploratory in nature and makes use
of secondary data to attain the overall objectives.

1.5.2 POPULATION AND SAMPLE

Population refers to the industries of the same-nature of its services & product. It is the
Collection or the aggregate of objects or the set of results of an operation. On the other
Hand, sample means they represent parts of population selected from it with the
Objectives of investigating parts of population selected from it with the objective of
Investigating its properties. Thus, a sample is just a portion of the population selected
with a view to draw conclusion about the population under study. Population of the study
is all the annual report of fiscal year of BSCCOSLTD. However, it is not possible to
study all data related with these fiscal year data. Hence, data of five years have been
taken from the whole population of fiscal years. This study is based on convenient
sampling Method. This research is focused on Deposit analysis of Bindhavasini Saving &
Credit Co-Operative society Limited.

1.5.3 TYPES OF DATA

1.5.3.1 Primary Data
It is Original research is obtained through first hand investigation known as primary Data.
It includes collected from BSCCOSLTD, Experiment.

1.5.3.2 Secondary Data

Secondary data is research that is widely available and obtained from other party, email
Addres info@biscol.org.np for enquiring the details about previous reports.

1.5.4 TECNIQUES OF ANALYSIS

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Various financial, accounting and statistical tools are used to make the analysis more
Effective, convenience, reliable and authentic. The analysis of data is done according to
The pattern of data available because of limited time and sources. Simple analytical
Statistical tools and accounting tools such as percentage, ratio analysis and trend analysis
Have been used for analysis of data. Microsoft word, Microsoft excel is used to perform
Calculation and for the analysis.

1.6 LIMITATIONS OF STUDY

Mainly the study of deposit analysis of ESCCOLTD is based on secondary data that I
Have collected from various published & unpublished sources. The limitations of the
Study are as follows.

 This study is mainly based on secondary data.

 Only 5 years' data is used to prepare this report.
 It is the only analysis of deposit trend of BSCCOSLTD, not an entire co-
operative.
 Only the deposit amount of saving is used for analysis.