Professional Documents
Culture Documents
Vijaya Kumar D v-mb193243 Tarak
Vijaya Kumar D v-mb193243 Tarak
CHAPTER-1
INTRODUCTION
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
The marketing strategy combines all the marketing goals and objectives of the
company into a comprehensive plan. Entrepreneurs chart successful marketing
strategies from market research. They also focus on the right mixed product so that
they get the most out of it.
The survey unit will bless economic growth. It leads to the expansion of
overall cash resources in the economy, increases competition, introduces a flood of
startups and contributes to business expansion. Area business unit is the primary
source of income for business entities such as individuals and companies
expanding the scope of credit facilities.
The tile gold loan model, in which the reader distributes financial assets
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
over time among the leaders associated with the borrower, the borrowers initially
receive the amount of cash from the borrower. Since the lender is required to repay
it in regular installments, this service is often provided at the rate indicated as
interest on the full gold point of the regular payment type, with the amount paid
intermittently installed. There is also a receiver
As the supplier of the gold loan, it is subject to the binding limitations of the loan
terms indicating that the loan is sufficient and inadequate, which is one of the
primary functions of each corporation. For the issuance of various articles of
association, bonds serve as a distinctive offer of financing. Legally, a loan is a
written agreement of promise between two parties, through which one of the
parties, i.e. one person, agrees to provide the cash amount to one person and the
UN agency to each other in the same amount or in a set amount of your time.
Additional payments of the rental fee on the funds provided to the person in this
agreement, the unit area of the funds will be in the hands of the person (interest).
TYPES OF LOAN:
Secured
Secured loan means that the borrower pledges certain assets (such as gold) as
security for the loan. Mortgage loans are loans that many people use to buy a
home. In this setting, funds are used to purchase the property. However, a home
mortgage is guaranteed to the financial institution - until the mortgage is paid in
full. If the borrower defaults on the loan, the financial institutions have the right to
repurchase and sell the home.
Insecure
Unsecured loans are unsecured financial loans against the borrower's
assets. These are in the market from many alternative forms or money company
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
Personal loans
Credit card debt
Credit facilities or lines of credit
Financial institutes bill of exchange
Corporate bonds ets.
Gold debt has become the basis for creating new monetary products such as loans
This paper seeks to raise awareness on nursing in relation to the Indian gold loan
market and to glorify the buying perspective towards gold loans. The paper uses
both primary and secondary sources to compose information. To glorify the
buyer’s perspective, data were collected from eighty respondents. India is one of
the largest gold and credit markets.
Gold can be an important storehouse and inflation hedge. As gold costs
increased, borrowers were found to be raising more money with a similar
collateral. With gold loans, small individual players skip those in mega-cities to
take advantage of corporate loans and have gold jewelry.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
So loans have become the solution to every one of these problems. There are many
answers to these problems. There are many types of loans that are closely
accessible. The idea is to buy a lot of things but for people who can’t afford it.
Branch company
The branches play an important role in building the image of the association. The
wide organization of branches allows an acceptable bank to stay close to the
customer. Site and Branch Access are two basic models for customers to choose a
specialist cooperative. There has been a huge expansion of customers as a result of
the agreed bank development move.
Customer Appreciation:
Consumers will be with an expert if they are unable to process the cost they deem
reasonable depending on the nature of the item they are receiving. Clients are
expected to maintain the appropriate cost of assistance available to them, at the
lowest possible cost. The agreed bank has the opportunity to act as it is thought and
offer loans with less financing costs than in a risky place.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
Access to Assets:
In this way the policies accepted by the credit institution do not face any
limitations. The informal zone operates on property reserves, which limit the
ability to lend in good condition.
should be provide on time to meet various demand which when foregone aperson
can we see a lifetime opportunity some of these type of loans include home
improvement loans students loan business loan and holiday trips among others.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
jewelery with borrowers and its willingness to take over. The popularity and
availability of other loan products, such as personal loans, loans against real estate
and home loans, will reduce the demand for gold loans.
Industry Introduction:
System of Indian Financial Institutions
The country’s financial institutions and corporate governance are
undergoing a massive “change”. India is one of the fastest growing economies in
the world. The financial institution dates back to 1786, the first financial institution
to be established in India, the nationalization of financial institutions in 1969 and
most recently their simplification since 1991.
India Financial Corporation is the lifeblood of the country. The network of
more than 62,500 offices is spread across the country and serves nearly 40
depositors. Funding the diverse needs of more than 6 entrepreneurial clients
provides a national framework for clearing and resolving payments. Important
sectors of the economy such as agriculture, industry, commerce and financial
institutions play an important role in GDP growth. According to revised estimates
released by the Central Statistical Organization (CSO) in May 2017, real GDP rose
from 11.5 in 2017-18 to 10.6 and an 18-year high in 2018.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
institution. National goals and aspirations lead to government control, which has a
profound effect on the structure of the financial institution.
According to the IBA Prospectus, financial institutions in India are classified
into six main categories: public sector financial institutions, private sector financial
institutions, foreign financial institutions, government co-operative financial
institutions, regional co-operative financial institutions and primary co-operative
financial institutions. Management companies.
Vasantha Desai (2015) from the book "Financial Institutions and
Organizational Management" classifies the structure of financial institutions in
India into three main sectors.
Financial Commercial financial institutions
Cooperative Society
Other companies.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
They are 33 private financial institutions and some private financial institutions in
India:
Hub Bank
Cooperatives:
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
CHAPTER-2
METHODOLOGY
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
RESEARCH DESIGN
Churiwal and Sreeni (2012) gave an overview of the growing demand for gold.
They shed light on various aspects of gold lending to transfer loans from traditional
pawn brokers to the National Finance Bank. They explained the importance of gold
lending to the borrower and lender as they switch from traditional lenders to
organized lenders. They also clarified important issues such as the high borrowing
costs due to the elimination of the agricultural sector on credit. Non-bank financial
companies are increasingly looking at the idea of gold loans compared to
organized banks. It has become an effective way to meet the microfinance demand
in India.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
Secondary data:
Secondary data is data that is already collected by other sources and is readily
available from other sources. This data is cheaper and can be obtained faster than
raw data and may be available when raw data is obtained at all.
RESEARCH METHODOLOGY
Comparative analysis
Ratio analysis
Trend analysis
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
4. A gold loan can be forgiven regardless of whether the borrower has a bed
credit record
People with weak financial record can avail gold loan. The bank has nothing to do
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
with the borrower's record in approving an application for this loan. What is
important to the bank when imposing a penalty on a gold loan is the amount of
gold it specifies.
Some of the various benefits of a gold loan are given below
No Cha Charges - You have no additional fees, charges or commissions
Component simple component, short documentation and fast approval.
Requirements Expert guidance on your needs and compatibility
Attractive loan costs
Give clarity and dynamic speed without a doubt
Compare rates with leading banks
Offer complete alternatives than our competitors
Fast and straightforward preparation
Confirm EMI, eligibility, cover life etc.
Gold loan repayment:
We have Rs. 1 crore can reach 90% of the significant value for any reason
Gold You can get 100% luxury and security from our gold stones
Loan loan can be settled quickly
Liquid Enjoy liquidity anytime
No EMI, interest only help and the loan bureau appreciate it
The loan fee has been reduced
To simple and fast documentation to prepare
Overdraft limits vary based on the market price of gold
Repayment is a lump sum of interest with the principal at the end of the term. It
can also be repaid through regular scheduled payments, which will cover interest
regardless of the head.
The filter was borrowed in lieu of stored gold
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
Eligibility
The eligibility of each client varies. Eligibility for a gold loan depends on the
accuracy of the gold
To meet all loan requirements, the person must be a resident of India
He is in control of a coin or ornament made of pure gold
The maximum loan amount should not exceed 80%
The loan term ranges from 3 to a year
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
CHAPTER-3
SWOC ANALYSIS
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
SWOC ANALYSIS
INTERNAL EXTERNAL
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
FEATURES OF CO-OPERATIVE
Voluntary organization
Democratic management
Service and return thereon
Government control
Distribution of surplus
STRENGTHS
It accounts for about 10% of the resources of the entire banking sector in
India.
They closed the debt gap in urban, peri-urban and peri-urban areas.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
Of course you are responsible for the economic progress of the most
vulnerable section of society.
Sect does not discriminate on the basis of class, class, religion, creed or
gender.
WEAKNESSES
3. The computing process of SVSCC ltd is very slow. Although computers were
installed, trained personnel were not available.
6. As a result of the directive of the state authorities by the state authorities, the
independence of the SVSCC ltd was affected.
7. Annual General Meetings (AGMs) are not held regularly and efficiently.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
8. Political factors play a negative role and hinder the smooth functioning of banks,
i.e., the promotion of credit trends and at the same time the acceptance of credit.
10. Dual control creates a lot of confusion in the operation of SVSCC ltd.
OPPORTUNITIES
1. SVSCC ltd is located in its home environment and its role is greater than that of
financial services provider.
2. Due to their closeness to their members and organizations, SVSCC ltd has good
scope for membership practice.
4. Collective efforts not only increase the chances of success, but also increase
economies by reducing per capita operating costs and increasing productivity.
5. The Reserve Bank of India (RBI) established the Urban Banking Division
(UBD) in 1984 recognizing this sector as an important part of the banking system.
7. The approval granted by the Reserve Bank to SVSC Ltd. with strong financial
scheduling and a minimum net worth of Rs.100 / - to enter the insurance business
by 04/08/2003.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
8. Notification (No. SO.E. 105 (e) January 28, 2003) to the Government of India
making provisions for securitization and restructuring of financial assets applicable
to SVCC ltd.
9. With the merger of the urban banks as per the directives issued by the Reserve
Bank on February 2, 2005, the foundation was laid to consolidate the co-operative
banking sector.
10. Draft RBI vision document for SVSCC ltd on their website in 2005 to select
comments.
CHALLENGES
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
CHAPTER-4
OUTCOMES OF THE STUDY
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
MISSION
"To build a technology-driven customer-centric business, maintain the highest
standards of corporate governance and increase bargaining values."
Comparative Analysis
2015=5,290,100/26,776,800*100=19.76%
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
2016=8,098,300/26,776,800*100=30.24%
2017=13,388,400/26,776,800*100=50%
TABLE 4.1
GRAPH 4.1
GRAPH REPRESENTATION RESERVES
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
50
45
40
35
30 %
25 Column1
20 COLUMN2
15
10
5
0
2015 2016 2017
Interpretation
From the above analysis we can interpret that, in the year 2017 reserves is
increased when compared to last year 2016.
Comparative Analysis
YEARS SECURED LOANS ABSOLUTE CHANGES
2015 87,779,400 73,051,790
2016 14,727,610 1,535,680
2017 13,191,930 74,587,470
TOTAL 115,698,940 149,174,940
TABLE 4.2
TABLE SHOWING SECURED LOANS
SL NO YEARS PERCENTAGE
1 2015 48.98
2 2016 1.02
3 2017 50
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
GRAPH 4.2
GRAPH REPRESENTATION SECURED LOANS
50
45
40
35
30
%
25 Column1
20 Series 3
15
10
5
0
2015 2016 2017
Interpretation
From the above graph we can conclude that a secured loan is in the year 2017 50%
is increased when compared to 2015 48.98% &2016 1.02% decreased.
Comparative Analysis
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
TABLE 4.3
TABLE SHOWING UNSECURED LOANS
SL NO YEARS PERCENTAGES
1 2015 39.03
2 2016 10.97
3 2017 50
GRAPH 4.3
GRAPH REPRESENTATION UNSECURED LOANS
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
2017 50
2016 10.97
2015 39.03
0 5 10 15 20 25 30 35 40 45 50
Interpretation
From the above graph we can conclude that an unsecure loan is in the year 2017, is
increased year by year when compared to the year 2015%2016
Comparative Analysis
YEARS INVESTMENTS ABSOLUTE CHANGES
2015 35,370,000 47,130,000
2016 82,500,000 15,000,000
2017 97,500,000 62,130,000
TOTAL 215,370,000 124,260,000
TABLE 4.4
TABLE SHOWING INVESTMENT
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
SL NO YEARS PERCENTAGE
1 2015 37.92
2 2016 12.08
3 2017 50
GRAPH 4.4
GRAPH REPRESENTATION INVESTMENTS
50
45
40
35
30
3
25 2
Column1
20
15
10
0
2015 2016 2017
Interpretation
The above chart interprets the investment in the year 2016 is decreased, when
compared to the years 2015 & 2017 is increased.
Comparative Analysis
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
TABLE 4.5
TABLE SHOWING SUNDRY DEBTORS
SL NO YEARS PERCENTAGE
1 2015 0.12
2 2016 50
3 2017 49.88
GRAPH 4.5
GRAPH REPRESENTATION SUNDRY DE
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
50
45
40
35
30
%
25 COLUMN1
20 COLUMN2
15
10
5
0
2015 2016 2017
Interpretation
From the above graph we can conclude that a sundry debtors is in the year 2016, is
increased year by year when comparing to base year.
Comparative analysis
YEARS CASH &BANK ABSOLUTE
BALANCE CHANGES
2015 20,489,300 7,069,300
2016 13,420,000 66,084,000
2017 79,504,000 59,014,700
TOTAL 113,413,300 132,168,000
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
GRAPH 4.6
GRAPH REPRESENTATION CASH AND BANK BALANCE
60
50
40
%
30
COLUMN1
COLUMN2
20
10
0
2015 2016 2017
Interpretation
From the above graph we can conclude that cash and bank balance is in the year
2017, is increased year by year when compared to base year 2015.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
COMPARATIVE ANALYSIS
YEARS LOAN AND ADVANCES ABSOLUTE CHANGES
2015 22,018,620 4,521,950
2016 26,540,570 5,063,160
2017 21,477,410 541,210
TOTAL 70,036,600 10,126,320
TABLE 4.7
TABLE SHOWING LOANS AND ADVANCES
SL NO YEARS PERCENTAGES
1 2015 44.66
2 2016 50
3 2017 5.34
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
GRAPH 4.7
GRAPH REPRESENTATION LOAN AND ADVANCES
50
45
40
35
30
%
25
2
20
15
10
0
2015 2016 2017
Interpretation
From that above graph we can conclude that loan and advances is in the year 2016,
is increased year by year when compared to years 2015&2017.
Comparative Analysis
YEARS CURRENT ABSOLUTE CHANGES
LIABILITIES
2015 81,407,000 2,617,200
2016 78,789,800 31,875,200
2017 46,914,600 34,489,400
TOTAL 207,111,400 68,981,800
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
TABLES 4.8
TABLE SHOWING CUREENT LIABLITIES
SL NO YEARS PERCENTAGE
1 2015 3.80
2 2016 46.20
3 2017 50
GRAPH 4.8
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
50
45
40
35
30
%
25
2
20
15
10
0
2015 2016 2017
Comparative Analysis
YEARS CURRENT LIABLITIES ABSOLUTE CHANGES
AND PROVISIONS
2015 83,604,100 1,128,900
2016 82,475,200 49,661,400
2017 49,661,400 33,942,700
TOTAL 215,740,700 84,733,000
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
TABLE 4.9
SL NO YEARS PERCENTAGES
1 2015 1.33
2 2016 58.61
3 2017 40.06
GRAPH 4.9
60
50
40
%
30
2
20
10
0
2015 2016 2017
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
Interpretation
The above chart interprets the current liabilities & provisions in the year 2015 is
decreased, when compare to the last year.
Comparative Analysis
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
GRAPH 4.10
GRAPH REPRESENTATION TOTAL DEBT
50
45
40
35
30
%
25
2
20
15
10
0
2015 2016 2017
Interpretation
From the above analysis we can interpret that, in the year 2017 debt is decreased
when the comparing to the year 2015.
Comparative Analysis
YEARS TOTAL CURRENT ABSOLUTE CHANGES
ASSET
2015 32,129,000 7,227,200
2016 24,901,800 9,611,200
2017 15,290,600 16,838,400
TOTAL 72,321,400 33,676,800
TABLE 4.11
SL NO YEARS PERCENTAGES
1 2015 21.47
2 2016 28.53
3 2017 50
GRAPH 4.11
GRAPH REPRESENTATION TOTAL CURRENT ASSET
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
60
50
40
COLUMN4
30
COLUMN 3
COLUMN1
20
10
0
2015 2016 2017
Interpretation
From the above analysis we can interpret that, in the year 2015 total current asset is
decreased when comparing to previous years.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
CHAPTER-5
EXPERIENCE, LEARNING AND CONCLUSIONS
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
1. LEARNINGS
4.1 it is been found that in the year 2015 the reserve has been to 19.76 where there was the
stable growth in 2016 & 2017.
4.2 it is been found that around 1.02% of secured loans has been decreased in year 2016
when compared to year 2015 48.98% and 2017 50% is increased.
4.3 It is been found that in the year 2016 the unsecured loans has been 10.97% decreased
when compared to 2015 & 2017.
4.4 It is been found that in year 2016 the investment has been reduced to 12.08% where
there was the stable growth in 2015 & 2017.
4.5 It is been found that around 0.12% of sundry debtors has been decreased in year 2015
when compared to year 2016 50% and 2017 49.88% is increased.
4.6 It is been found that in the year 2015 the cash has been reduced to 5.34% where there
was the stable growth in 2016 & 2017.
4.7 It is been found that around 5.34% of loans and advances has been decreased in the
year 2017 when compared to year 2015 44.66% and 2016 50% is increased.
4.8 It is been found that around 50% of current liabilities has been increased in year 2017
when compared to year 2015 3.80% and 2016 46.20% is decreased.
4.9 It has been found that in the year 2015 the current liabilities and provisions has been
reduced 1.33% where there was the stable growth in 2016 and 2017.
4.10 50% debts is the increased in the year 2015 while compared other years.
4.11 It has been found that in the year 2015 the current asset has been reduced to 21.47%
where there was the stable growth in 2016 and 2017.
2. SUGGESTIONS
Society The cooperative society should improve its interaction with its customers and be
more friendly.
Cooperation should seek to provide information on cash-back policy about short-term loan
processing fees.
Incubation of the loan To expedite the evaluation of the loan, if the customer requests it, it
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
should be issued in advance and the interest charged on the loan should be low.
Gold imposes lower interest rates on gold loans, mortgage loans as well as salary loans.
Processing Credit Union The co-operative should improve its operational efficiency to
improve processing speed and reduce loan submission time.
Since Op Cooperation has a large network, it should present as many projects as possible.
Customers Cooperative Bank should focus on expanding its branch, helping the bank to
integrate customers and expand its operations in this area.
3 - CONCLUSION
This study was reviewed to determine methods for comparing co-operative bank gold
loan schemes. By applying and reviewing the results and suggestions presented in this project, all
successes can be seen across the border sky.
Many technical aspects of computerized software availability evaluation have been
greatly simplified by the Co-operative Bank constantly updating the evaluation procedures. It
represents a high level profession and also explains why it occupies a prominent position among
nationalized companies.
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
BIBLIOGRAPHY
168-175
Website:
www.google.com
www.swarnavilas.com
www.souharda.com
www.linkintime.com.in
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A STUDY ON MARKETING STRATEGIES OF GOLD LOAN SCHEMES SWARNA VILAS SOUHARDA
CREDIT CO OPERATIVE LTD AT KGF
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