...___________________________________________________________ Credit Appraisal System in Allahabad Bank Dr..Rosy Kalra* __________________________________________________________ Finance is required at every stage of business either for meeting day to operations or for starting up a new project. One of the important sources of raising finance is loans from banks. Commercial lending is one of the prime functions of any bank. But how does the bank appraises the creditworthiness of a borrower? What are the criterions to be fulfilled for granting loans? What are the tools used by the banks to appraise the loan proposal? These questions are being answered in this paper. This paper describes the credit appraisal process followed in Allahabad Bank. * Assistant Professor, Department of Accounting and Finance, Amity Business School, Amity University, Noida. A Monthly Double-Blind Peer Reviewed Refereed Open Access International e-Journal - Included in the International Serial Directories Indexed & Listed at: Ulrich's Periodicals Directory ©, U.S.A., Open J-Gage as well as in Cabell’s Directories of Publishing Opportunities, U.S.A. International Journal of Management, IT and Engineering http://www.ijmra.us 537 May IJMIE Volume 2, Issue 5 ISSN: 2249-0558 2012 ___________________________________________________________ Companies can avail a variety of credit facilities from banks for meeting the requirement of funds. The various credit products which can be availed are listed...
Words: 6141 - Pages: 25
...“ANALYSIS OF LONG TERM FINANCING IN RIICO’’ A Summer Internship Project/Dissertation SUBMITTED FOR THE PARTIAL FULFILLMENT OF THE REQUIREMENT FOR THE AWARD OF Master of Business Administration SUBMITTED BY RAUNAK JAIN ROLL NO.-AUR1001049 UNDER GUIDANCE OF MS. ARPITA SHARMA AMITY BUSINESS SCHOOL AMITY UNIVERSITY RAJASTHAN 2010-2012 Acknowledgement Achieving A Milestone For Any Person Is Extremely Difficult. However, There Are Motivations Which Come Across The Curvaceous Path Like Twinkling Stars And Make Our Task Easier. An Opportunity Has Been Given To Me By Rajasthan Sate Industrial Development And Investment Corporation Limited. Jaipur For Summer Training In The Field Of Finance For The Period From 6 june 2011 To 21th July 2011 (45 Days) I Would Also Like To Express My Special Gratitude To Mr. P.M. Jain For Giving His Precious Time For Guiding Me And Help Me In Bringing Out The Work In The Present Shape And Sharing A Valuable Knowledge Which Help Me In Building The Future Edge Of My Career. Also I would Like To Thanks Mr. A.K Jahalani (Agm –Appraisal), Mr. Suneet Mathur (Osd-Infra/Finance), Mr. V.B.Mathur (Agm-F&R), Mr.A.C. Chhabra(Sr.Dgm-Finance), Mr.R.K.Limba(Dgm-Appraisal),Mr.P.K. Sharma(Dgm),Mr. Vishal Dixit, Anoop Kumar Mathur(Dgm-Pid). Unger The Supervision Of Sir Krishan Goyal Sipriya (Dgm(Finance)) Thanks To Sir For Giving Valuable Input Time To Time In The Course Of My Training...
Words: 11007 - Pages: 45
...2010 A Grand Project Report on Credit Risk Management at State Bank of Mysore N. R. Institute of Business Management 23/3/2010 A Grand Project Report on Credit Risk Management at State Bank of Mysore N. R. Institu of Business Manag itute agement A Grand Project Report on rand Credit Risk Manag anagement at State Bank of M k Mysore (IN PARTIAL FULFILLMENT OF PROJECT STUDY COURSE, IN TWO YEARS FULL TIME LMENT O WO YEAR MASTER OF BUSINESS ADMIN SS ADMINISTRATION PROGRAMME OF GUJARAT U UJARAT UNIVERSITY) Submitted To: Prof. Dharmesh Shah hah (Asst. Professor, NRIBM) Submitted By: Subm Sandip A. Makwa (08056) akwana Luv D. Palk (08064) . Palkar Prof. Viral Pandya (Asst. Professor, NRIBM) (Batch: 2008-10) N. R. Institu of Business Management nstitute ent CERTIFICATE This is to certify that Mr. Sa ndip A. Makwa wana (08056) and Mr. Luv D. Palk alkar (08064 ) students of N.R.Institute of Business Management has successf te essfully completed their grand project on “Credit Risk Management at State Bank of Mysore” “Credit Mysore” Ba in partial fulfillment o two years Master of Business Administration of s A Programme of Gujarat University. This is their original wor and has not t U work been submitted elsewhere ere. _________________________ Dr. Hitesh Ruparel Director In-charge, NRIBM _____________________________ Prof. Dharmesh Shah Asst. Professor, NRIBM & Internal Project Guide ______________ _______________________ Prof. Vir Pandya...
Words: 16592 - Pages: 67
...MANAGEMENT TECHNOLOGY HUMAN RESOURCE MANAGEMNET (MG-540) SPRING 2013 TITLE: (TERM PROJECT: PERFORMANCE EVALUATION AND APPRAISALS) ASSIGNMENT NO/WAC #: (3) SECTION: DATE OF SUBMISSION: SESSION OF SUBMISSION: YOUR PROGRAM: ID 130580210-01 130580210-02 130580210-03 130580210-04 (EXEC) 31/12/2013 13 MBA EXEC S. # (Ascending Order) 1 2 3 4 LEAVE BLANK FULL NAME (AS PER ROSTER ATIF IQBAL RIAZ MASOOD ZEESHAN RIAZ ARSALAN ZAFAR FOR GRADING: COMMENTS: MARKS SECURED: Disclaimer This project report has been prepared by the authors as Students of Human Resource management in “University of management and Technology Lahore” in cooperation with the “HR Department of Shokhat khanam memorial cancer hospital Lahore” for academic purposes only. The views expressed in the report are personal to the students and do not necessarily reflect the view of the hospital or any of its staff or personnel and do not bind the Hospital in any manner. This report is the intellectual property of the university and Hospital and the same or any part thereof may not be used in any manner whatsoever, without express permission of the mentioned authorities in writing. HR PROJECT – PERFORMANCE EVALUATION & APPRAISALS Page 2 Acknowledgments Our first and sincere appreciation goes to Mr.Syed Aly Raza, our subject instructor, for all we have learned from him and for his continuous help and support in all stages of this project. We would also like to thank him for being an open person to ideas, and for...
Words: 3764 - Pages: 16
...CIS517-IT Project Management VoIP Implementation-Risk Management Introduction: Risk is for all intents and purposes anything that debilitates or limits the capacity of a group or philanthropic association to accomplish its main goal. It can be startling and erratic occasions, for example, devastation of a building, the wiping of all our PC records, loss of stores through robbery or harm to a part then again guest who stumbles on a tricky floor and chooses to sue. Any of these or a million different things can happen, and on the off chance that they do they can possibly harm our association, money loss, or in a most dire outcome imaginable, cause your association to close. [1] Risk Management: Risk management is the procedure of distinguishing risk, surveying risk, and making moves to diminish risk to a worthy level. The risk management methodology decides the procedures, strategies, instruments, and group parts and obligations regarding a particular task. The risk management plan portrays how chance administration will be organized and performed on the venture. As an administration procedure, risk management is utilized to recognize and maintain a strategic distance from the potential cost, timetable, and execution/specialized dangers to a framework, take a proactive and organized way to deal with oversee negative results, react to them on the off chance that they happen, and distinguish potential open doors that may be covered up in the circumstance. The risk management...
Words: 1755 - Pages: 8
...Business Administration (BBA) program. For the internship purpose, I chose Islami Bank Bangladesh Ltd. (IBBL), Mirpur-10 Branch and prepare this report on the investment related activities of the organization. 1.2 Objective of the Study The primary objective of this report is to observe the investment related activities for the Investment Department of Islami Bank Bangladesh Ltd., Mirpur-10 Branch. The other objectives include: • To understand the different modes of investment of IBBL, Mirpur-10 Branch. • To familiarize with the various investment schemes offered by Mirpur-10 Branch. • To get the practical exposure of the banking activities. • To adapt with the corporate environment. 1.3 Scope of the Study In this report I have focused on all the qualitative which include profiles of IBBL, investment modes like Bai mode, Profit & loss sharing, bearing mode, Rent sharing mode, different schemes of investment such as household durable schemes, housing investment scheme, transport investment scheme, car investment scheme, investment scheme for doctors small business investment scheme, rural development scheme, etc. and lastly financial performances have been depicted. 1.4 Methodology of the Study The data required for this study were collected from both primary and secondary sources; however, majority of the information was collected from secondary sources. a) Primary source Primary data was collected form Branch Manager & Second...
Words: 8642 - Pages: 35
...the students are selected for different company and to be supervised by our respected teachers. I was selected for Square Pharmaceuticals Ltd., a manufacturing concern to have practical knowledge on “Human Resource Management”. Human resource management is an important department of Square Pharmaceuticals Ltd. In the absence of these all efforts will failed to fulfill the target that in such a technique which cannot solve any problem within short time. Though Square Pharmaceuticals Ltd has been sat up in a town, it faces some problems with regard to manpower that require providing quality medicine to the society. The industry is running in a righteous way with the applicable management with name and fame with a view to know the esteemed industry. I meet the Square pharmaceuticals Ltd authority. The development, extension, communication, production system, and labor relation of an industry depends on the proper management system of that industry. 2. Objectives Of The Study Every activity has some objectives. The...
Words: 14921 - Pages: 60
...Empowerment of Coastal Fishing Communities for Livelihood Security GOB/UNDP/FAO Project: BGD/97/017 Community Empowerment Abu Nashir Khan Fisheries Officer (Marine) Introduction: The report is structured as follows. The background information of “ Empowerment of the Coastal Fishing Communities for Livelihood ” project is first followed by justification of the report. The implementation of the process is described next. It also explores the best practices regarding community empowerment of the ECFC project. Background: The project works with the coastal fishing communities who are exposed to multiple vulnerabilities that determine their current condition of poverty and threaten their future. Though the project started functioning from December 2000 most of the field activities were launched in January 2001 onwards. The project is considered to be an innovative effort at evolving a partnership among GoB agencies, NGOs, fishing communities and the private sector for providing services at the doorsteps of the communities to empower them and encourage the community thus prepared to contribute to regeneration of coastal fisheries resources for their own sustainable livelihoods. The Empowerment of Coastal Fishing Communities For Livelihood Security project aims to enable and facilitate participatory community-based fisheries co-management and sustainable human development in coastal fishing communities of selected Upazilla of Cox’s Bazar District, through awareness...
Words: 9095 - Pages: 37
...WEST BENGAL UNIVERSITY OF TECHNOLOGY [pic] Summer Project Report On ANALYSIS OF PERFORMANCE MANAGEMENT SYSTEM At Reliance Communications New Delhi By Itisha Sharma [pic] WBUT REGN. NO. : 111360710034 WBUT ROLL NO. : 13600911034 CONTENTS ➢ Certificate from Guides ➢ Acknowledgement ➢ Executive Summary ➢ Chapter I : The Company 1.1 Company Profile ➢ Chapter II : The Project 2.1 Project Profile 2.2 Purpose & Scope of study 2.3 Limitation 2.4 Methodology ➢ Chapter III : Collection & Analysis of data 3.1 Data collection 3.2 Data Analysis ➢ Chapter IV : Finding & Recommendations 4.1 Findings 4.2 Recommendations 4.3 Conclusion ➢ Reference Matter 5.1 Bibliography GUIDANCE -cum- COMPLETION CERTIFICATE This is to certify that Ms.Itisha Sharma, WBUT Registration Number of 20011-13, WBUT Roll Number had undertaken the project titled “ANALYSIS OF PERFORMANCE MANAGEMENT SYSTEM AT RELIANCE COMMUNICATION, New Delhi” under our guidance from 18th June, 2012 to 31st July, 2012 at Reliance Communications, New delhi and has completed the said project successfully. External Guide’s Full Signature [Organisation Seal] Internal Guide’s Full Signature ...
Words: 8049 - Pages: 33
...University of Nairobi MBA Project List 2011 CANDIDATE | PROJECT TITLE | NDIRANGU SAMUEL NJOGO | A SURVEY INTO THE CAUSES OF FINANCIAL DISTRESS IN CO-OPERATIVE SOCIETIES IN NAIROBI | NDIANG’UI DOROTHY WAIRIMU | THE RELATIONSHIP BETWEEN DIVIDEND GROWTH AND RISK FOR COMPANIES LISTED AT THE NSE | MURIITHI ERIC | THE RELATIONSHIP BETWEEN CORPORATE GOVERNANCE PRACTICES AND FINANCIAL AND FINANCIAL PERFORMANCE OF INVESTMENT BANKS IN KENYA | NICHOLAS KIPYEGOMEN CHEPKOIWO | FACTORS AFFECTING THE DEVELOPMENT OF EMERGING CAPITAL MARKETS. THE CASE OF NAIROBI STOCK EXCHANGE | KIPKURUI KIMOSOP | THE RELATIONSHIP BETWEEN CORPORATE GOVERNANCE AND FINANCIAL PERFORMANCE OF INSURANCE COMPANIES IN KENYA | OMENDA CHRISTOPHER ODHIAMBO | EFFECT OF STOCK SPLITS ON STOCK LIQUIDITY OF COMPANIES QUOTED AT THE NSE | GEORGE MARTIN NZIVE KASYOKA | THE USE OF STRATEGIC POSITIONING TO ACHIEVE SUSTAINABLE COMPETITIVE ADVANTAGE AT SAFARICOM LIMITED | MUTIE PETER KIOKO | RELATIONSHIP BETWEEN PRIOR PERIOD DIVIDENDS AND FINANCIAL PERFORMANCE OF FIRMS LISTED AT THE NSE | EVANS ODHIAMBO OYIEYO | BALANCE SCORE CARD AS A STRATEGIC MANUFACTURING INDUSTRY IN KENYA | SAMBA STEPHEN MIDEGA | INVESTIGATION OF CAPACITY MANAGEMENT STRATEGIES AND THEIR INFLUENCE ON SERVICE QUALITY: CASE OF NAIROBI SUPERMARKETS. | LUCY MUTHEU KIILU | CAUSES OF INDUSTRIAL DISPUTE IN GARMENT FACTORIES AT THE ATHI RIVER EXPORT PROCESSING ZONES, KENYA | JENIFFER N. MULI | THE RELATIONSHIP BETWEEN HOUSE PRICES AND MORTGAGE...
Words: 15830 - Pages: 64
...IFAC Board Exposure Draft November 2012 Comments due: February 28, 2013 Professional Accountants in Business International Good Practice Guidance Project and Investment Appraisal for Sustainable Value Creation IFAC’s mission is to serve the public interest by: contributing to the development of high-quality standards and guidance; facilitating the adoption and implementation of high-quality standards and guidance; contributing to the development of strong professional accountancy organizations and accounting firms and to high-quality practices by professional accountants, and promoting the value of professional accountants worldwide; and speaking out on public interest issues. The PAIB Committee serves IFAC member bodies and professional accountants worldwide who work in commerce, industry, financial services, education, and the public and not-for-profit sectors. Its aim is to promote and contribute to the value of professional accountants in business. To achieve this objective, its activities focus on: increasing awareness of the important roles professional accountants play in creating, enabling, preserving, and reporting value for organizations and their stakeholders; and supporting member organizations in enhancing the competence of their members through development and sharing of good practices and ideas. Copyright © November 2012 by the International Federation of Accountants (IFAC). For copyright, trademark, and permissions information, please see page...
Words: 13604 - Pages: 55
...ABSTRACT This report focuses on the concept of Dividend Policy used in a firm. It talks about the importance of using a Dividend Policy which is giving a share to the stockholders. A dividend policy is first known as a heavy factor in a company’s stock value and is a set of company rules and guidelines used to decide how much the company will pay out to its shareholders. The report then highlights the common theories and models used in dividend policy decision in an organization. The feasibility of the concept had been further exemplified with the case study of City Lodge Hotels Limited and Microsoft vs Berkshire Hathaway which depicts two companies that do not believe in using a dividend policy and a lodging company that believes in keeping dividends. Keywords Dividend Policy, Residual Dividend Policy, Shareholders, Walter Model, MM Model, Dividend Irrelevancy. INTRODUCTION Dividend policy is the policy used by a company to decide how much it will pay out to shareholders in dividends. In financial accounting course, it is said that after deducting expense from the revenue, a company generates profit. Part of the profit is kept in the company as retained earnings and the other part is distributed as dividends to shareholders. From the share valuation model, the value of a share depends very much on the amount of dividend distributed to shareholders. Deciding on the amount of earnings to pay out as dividends is one of the major financial decisions that a firm’s managers...
Words: 4205 - Pages: 17
...Different Modes of Investment of Islami Bank Bangladesh Limited [pic] Islami Bank Bangladesh Limited Date of submission: 19th May, 2011 Different Modes of Investment of Islami Bank Bangladesh Limited Kawran Bazar Branch and Its Performance Prepared By www.AssignmentPoint.com Student Declaration I hereby declare that report entitled Different Modes of Investment of Islami Bank Bangladesh Limited Kawran Bazar Branch and Its Investment Submitted in partial fulfillment of the requirement for the degree of Bachelors of Business Administration (BBA) Is my original work and not submitted for the award of any other Degree, Diploma Fellowship or other similar title or prizes ________________________________ www.AssignmentPoint.com Certification This is to certify that the internship Report titled Different Modes of Investment of Islami Bank Bangladesh Limited Kawran Bazar Branch and Its Investment Submitted in partial fulfillment of the requirement for the degree of Bachelor of Business Administration (BBA) is approved and accepted in form and quality. ________________ ____________________ Supervisor ...
Words: 16295 - Pages: 66
...Program VOs Village Organizations WOs Women organizations NAC Northern Areas and Chitral SOs Social Organizations MACP Mountain Area Conservancy Project CIDA Canadian Institutional Development Agency NRM Natural Resource Management FMU Field Management Unit AKDN Aga Khan Development Network VBIs Village Based Institutions VBOs Village Based Organizations PM Program Manager RPMs Regional Program Managers GaD Gender and Development MIES Mountain Infrastructure and Engineering Service EXECUTIVE SUMMARY: The Aga Khan Rural Support Programs is a private and non-government organization established by Aga Khan Foundation. In its 29 year of operation continues to be an effective instrument to improve the quality of life through income generation, skill development and technical training of the communities in Northern Areas and Chitral, and the welfare of families in these communities. This has resulted from its interventions in productive investment, productive-support investments, such as access road, training and financial and technical services. A key element has been institutional development at the village level: Village Organizations (VOs) and Women Organizations (WOs): which has provided the framework to organize the energies of community members to avail themselves of outside assistance as well as to...
Words: 12143 - Pages: 49
...families. In spite of its considerable outreach, successful savings mobilization and high repayment rates, as with most other microfinance models, the financial viability of SHG banking has not been clear. SHG federations attempt to provide financial viability and sustainability to SHG banking. This study explores the merits of federating and finds that SHG federations create economies of scale, reduce promotional and transaction costs, enable provision of value added services and increase empowerment of the poor. Acknowledgements This study was done for the South Asia Region Finance and Private Sector Development Unit of the World Bank. The support of Sophie Sirtaine at the World Bank, who helped design the study and took time to read through the different drafts, is gratefully acknowledged. I thank all the organizations visited and individuals interviewed for their cooperation, and participants of the various fora at which the initial drafts were presented for their valuable comments. I also thank Marilou, Director, South Asia Region Finance and Private Sector Development Unit and other members of the unit for their support during the course of the study. Finally, I thank Maya Tudor and Kathryn Gwatkin, my classmates at the Woodrow Wilson School, who read through the final draft and suggested changes that make the report read better. Currency Equivalents (Exchange Rate Effective June 2001) Currency Unit = Rupees (Rs.) US$ = Rs...
Words: 19349 - Pages: 78
