Premium Essay

How Npa Can Be Reduced

In: Business and Management

Submitted By Mima
Words 922
Pages 4

1) Repayment of loans:
Repayment of term loans depends on income generating capacity of the borrowing concern. A unit, which does not earn profits, may repay a few repayments. Therefore it is necessary to fix repayment schedule for a term loan according to income generating capacity of the unit. If repayment profit, possibility may be explored in consultation with the borrowers, for replacement of the loan installments. The classification of the assets may improve, if the performance of the loan account remains satisfactory for two years after repayment. It may be mentioned that repayment of the loan installments should be done only when it is expected to get payment after the repayment.

2) Rehabilitation of Potentially viable units:
If a sick unit is potentially viable, necessary efforts should be made to finalize the rehabilitation package without loss of time. Provisions need not be made for a period of one year from the date of disbursement in respect of additional facilities sanctioned under rehabilitation packages approved by BIFRV term lending institutions. If the rehabilitation program runs smoothly, it may be necessary to make provision even after one year for additional facilities provided statutory auditors are also satisfied about the progress of rehabilitation programmed.
If the unit becomes viable the entire outstanding will become standard assets. Although the rehabilitation of sick units is long drawn procedure, it may be encouraged where units are potentially viable and the management is reliable. However non-viable sick units should be liquidated to get funds for recycling j without avoidable loss of time in decision-making. 3) Acquisition of sick unit by healthy units:
If a healthy unit acquires a…...

Similar Documents

Premium Essay

How Can Leadership Be Developed

...Projects 4-1-2010 Can Leadership Be Developed by Applying Leadership Theories? : An Examination of Three Theory-based Approaches to Leadership Development Joshua C. Laguerre Rhode Island College, Follow this and additional works at: Part of the Business Administration, Management, and Operations Commons, Human Resources Management Commons, Industrial and Organizational Psychology Commons, and the Organizational Behavior and Theory Commons Recommended Citation Laguerre, Joshua C., "Can Leadership Be Developed by Applying Leadership Theories? : An Examination of Three Theory-based Approaches to Leadership Development" (2010). Honors Projects Overview. Paper 42. This Honors is brought to you for free and open access by the Rhode Island College Honors Projects at Digital Commons @ RIC. It has been accepted for inclusion in Honors Projects Overview by an authorized administrator of Digital Commons @ RIC. For more information, please contact, CAN LEADERSHIP BE DEVELOPED BY APPLYING LEADERSHIP THEORIES?: AN EXAMINATION OF THREE THEORY-BASED APPROACHES TO LEADERSHIP DEVELOPMENT By Joshua C. Laguerre An Honors Project Submitted in Partial Fulfillment of the Requirements for Honors in The Department of Management and Marketing The School of Management Rhode Island College 2010 1 Can Leadership......

Words: 11568 - Pages: 47

Premium Essay

How Investment Can Increase

...Explain the term ‘investment’ and analyse two possible economic benefits for the UK when it is investing overseas. Investment is spending by firms on buildings, machinery and improving the skills of the labour force. Investment is an injection into the economy, which may cause a multiplier effect to operate so that the increase in national income is likely to be larger than the initial injection. This diagram shows how an increase in investment overseas means there wil be foregn direct investment so there will be a huge flow in capital, which will allow the economy to benefit with exchange of supply and demand. Advantages Of Foreign Direct Investment There is a huge inflow in capital, technology and openings in employment. The economy benefits with exchange of supply and demand in an international market. Foreign direct investment increases the employment in the trading countries which is a significant benefit. Imports and exports increase in both the trading countries. The quality of the product increases with a free flow of international trade. There is widespread technological advancement. There is a spill over effect of technology and quality in the existing economies. Focus on research and development increase The profits gained by foreign direct investment increases re-investment opportunities in the developing economy. Low transportation costs Avoiding trade restriction to expand into foreign markets Tax benefits Same currency......

Words: 519 - Pages: 3

Premium Essay

How Good Can Education Be

...use of logos is clear there is an underlining essence of pathos, and a lack of pathos. ​The article starts with talking about how special graduation is, and how important receiving a college degree really can be. Nevertheless it also says that the difficulty of schooling has significantly decreased in recent years. School is more about fun now then about work. Surveys have shown that “Almost 9 out of 10 reported overall they were satisfied with the college experience” (291). This study is showing that more students are having fun in college than actually receiving an education. The article goes on to say that another study was done to follow around students for all four years of college. During this time they had a lot of free time, and minimum coursework. They also noticed that little to no effort was put into the amount of work being done at the time. The author then says that “In a typical semester 32 percent of the students did not take a single course with more than 40 pages of reading per week and 50 percent did not take any course requiring more than 20 pages of reading.” (291) Here again the college student tries to receive the minimum amount of course work. Students are not growing in their critical thinking, and reasoning skills. Rather they are just using their time in college to receive social skills. To conclude the articles sums up how the quality of schooling has dropped significantly. ​Throughout the essay there is a clear understanding that logos is used,......

Words: 1087 - Pages: 5

Premium Essay

Npa: Introduction About Npa

...last year, and the net profit of the Public Sector Banks is 12,295,47crore. However, the only problem of the Public Sector Banks these days are the increasing level of the non performing assets. The non performing assets of the Public Sector Banks have been increasing regularly year by year. If we glance on the numbers of non performing assets we may come to know that in the year 1997 the NPAs were 47,300crore and reached to 80,246crore in 2002. The only problem that hampers the possible financial performance of the Public Sector Banks is the increasing results of the non performing assets. The non performing assets impacts drastically to the working of the banks. The efficiency of a bank is not always reflected only by the size of its balance sheet but by the level of return on its assets. NPAs do not generate interest income for the banks, but at the same time banks are required to make provisions for such NPAs from their current profits. NPAs have a deleterious effect on the return on assets in several ways – • They erode current profits through provisioning requirements • They result in reduced interest income • They require higher provisioning requirements affecting profits and accretion to capital funds and capacity to increase good quality risk assets in future, and • They limit recycling of funds, set in asset-liability mismatches, etc. The RBI has also tried to develop many schemes and tools to reduce the non performing assets by introducing internal checks and......

Words: 6989 - Pages: 28

Free Essay

What Are the Causes of Crime and How Could Crime Be Reduced?

...provide order. People need to be accountable for their actions so rules are needed. However in reality, some people still do not follow the rules or even they don’t care about the rules at all. This action of breaking rules or laws is called crime. Nowadays, the reported cases of crime all over the world are alarmingly increasing. It is believed that the main reason behind this is the rise in population which will lead to unemployment. The crime can be reduced with the involvement of the government to the society. Firstly, I would like to state that the population of a country will be the first and foremost reason behind this increase in crime. Take Indonesia for instance, it is a developing country and in the prevailing scenario its population is sharply increasing, which creates a significant number of problems. With respects to that, unemployment is the major one, because of that, educated and sophisticated people survive without jobs and result in indulge in the crime to bear their expenses. To combat this grave problem, governments can arrange educational classes and programs to increase public awareness about the adverse effects of the increase in population. If the increase rate of population decrease, there will be less unemployment which will of course decrease the number of crimes. Eventually, after analyzing all the views, I would like to conclude that crime in any way is a major problem for any country. It needs a combined effort by governments and masses......

Words: 293 - Pages: 2

Premium Essay

How Inventory Can Be Managed?

...needed against the prospects of high stock out costs. Inventory can be used to “buffer” against such uncertainties. Likewise, lead time, the time between ordering and receiving goods, is not always constant. Buffer stocks can be used to protect against stock outs from uncertain demand during lead time. • Decoupling Inventories are also useful when they decouple operation-that is, when they break operations apart so that one operation’s supply is independent of another’s supply. This decoupling serves two purposes. First, decoupling operations means that breakdowns, material shortages, or other production fluctuations at one stage of operation do not cause later stages of operation to shut down. A second purpose of decoupling through inventories is that tone organizational unit can schedule its operations independently of other. In automobile manufacturing, for example, engine buildup can be scheduled separately from seat assembly, and each can be decoupled from final automobile assembly operations through in-process inventories. • Production Smoothing Inventories can also help to level production. When we examined aggregate planning and scheduling, we noted that products can be built during slack demand periods and used in peak demand periods. Thus high costs of production rate and work force level changes can be avoided. • Material Handling For some operations, material handling costs can be reduced by accumulating parts between operations. This is particularly......

Words: 5983 - Pages: 24

Premium Essay

How Personal Can Ethics Be

...School: Strayer University Professor: Dr. Denean Robinson, PhD Assignment # 1 – “How personal can ethics get?” Submitted by Abdul Kamara April 21, 2011 1. Discuss how personal differences and preference can impact organizational ethics. Human resources is the core component of any organization, therefore their behavior and attitude, or preference can seriously impact the ethics of an organization. This section of this paper is going to cover the impact of personal differences, and preferences on the ethics of any organization.  According to Griffin (2009), “when you go into any job, no matter where you are in the world you will come across a multitude of individual differences and preferences, so an individual difference does not affect the individual alone, but everyone around them in an organization.” In an organization, there is no way an individual can be treated the same way as the other employees because everyone’s personality is difference. “Perhaps one employee has a dynamic personality and prefers being the center of attention in every discussion, whereas others avoid crowd and enjoy being alone.” (Griffin, 2009) However, that would be the personality that represents the overall profile of stable psychological attributes which captures the unique nature of that individual. Personality combines a set of physical and mental characteristics that reflect how a person looks, thinks, acts and feels. Therefore, trying to understand......

Words: 1488 - Pages: 6

Premium Essay

How Difficult Can It Be?

...How Difficult Can It Be? The unpleasant feelings a person might get when attempted to write something about they mighty not even know can be very interesting. The writing can be a thesis, a simple task of a poor student or maybe just a personal diary. The feelings gotten during a write can be described in two different stages which are physical and mental. First of all the physical feelings will be mentioned are aches, sickness and urge to eat more and more which is both related in physical and mental feelings. The writer-to-be person sits at the table takes a paper and a pencil with a nice looking both happy and curious expression in the face then places the pencil on the paper but In the moment he starts to think about the topic he is not knowledged enough to write the first thing will come to their head is more likely to be a terrible headache feels one like there is a drum beats as your heart does, than an idea. After a while the beats of headache probably will get thougher as if there is a terrifying melody playing because it’s going to be a very scary scene in a movie. And then the scary scene comes, that feeling chokes your maw, tickles your stomach, absorbs all your life energy and the inevitable final throwing out. Poor writer has already quit writing and went to the kitchen to eat like the Cookie Monster in this phase. Enjoy your meal writer! Second and the lastly the mental feelings or with another saying emotions are another trouble while writing about......

Words: 496 - Pages: 2

Premium Essay

How Can This Be Justified?

...How Can This Be Justified? Submitted by: Charlotte Tilley Submitted for: Ms Moser Submitted on: October 28th EWC 4UI-01 How Can This Be Justified? When Lesley Parrott states “Take a life in order to show people that it is wrong to take one,” she summarizes the thoughts of many who disagree with the death penalty by focusing on its cons. In her essay within the book The Writer Within: Dialogue and Discovery, Lesley Parrot discusses many points that convince readers to be against the death penalty. As the essay begins, one of the many points she discusses is the suffering of the victims’ families Not only does the family of the victim suffer, so does the family of the potentially innocent human who has been condemned to death row for even long periods of time, agonizingly waiting for their day to come. This is the case of Mathew Poncelet in the film Dead Man Walking. Although Mathew’s actions are in fact unforgivable, he deserved to be given a fair chance to live their lives regardless of their crimes. Attorneys are very difficult to afford and due to the fact that he was poverty stricken, Mathew was unable to afford one during his court hearing. This is the case for many and just like those before him who were treated unjustly, he has an under qualified, under equipped and unsatisfactory attorney appointed to him. Without the chance to properly defend himself, he was sentenced to the death penalty without even a second thought. Despite the fact that Mathew......

Words: 969 - Pages: 4

Free Essay

The Damaging Influence of Advertising on Children Can Be Reduced.

...The damaging influence of advertising on children can be reduced. Academic Reading and Writing Course EWR 1211 July 1, 2009 Outline Title: The damaging influence of advertising on children can be reduced. I. Introduction Thesis statement: As advertising causes childhood obesity, which can lead to serious diseases, government and schools should take urgent actions to improve the situation. II. Background of the problem 1. Marketing Industry 2. Children 3. Increased risk of being overweight and its serious consequences III. Solution one The first possible solution is that government should restrict the attack of food marketing on kids. A. Advantages 1. Decreased number of commercials 2. Elimination of junk food marketing B. Disadvantages 1. “The system has kinks” 2. Difficulties in identifying junk foods 3. Limitation of democracy IV. Solution two Another feasible solution that schools should create a healthy environment. A. Advantages 1. Availability of healthful foods 2. Improvement in kids’ diets 3. Connection with local farmers 4. Health education 5. Promotion of nutritional products 6. Decreased rate of obesity B. Disadvantages 1. Long cafeteria lines, not enough time for lunch, noise 2. Accessibility of competitive foods 3. Schools’ fundraising V. Conclusion To sum up, due to the......

Words: 1539 - Pages: 7

Premium Essay

How Can Be

...audience to donate their organs and tissues when they die and to act upon their decision to donate. Thesis Statement: The need is constantly growing for organ donors and it is very simple to be an organ donor when you die.   I.  INTRODUCTION A.  Attention material/Credibility Material: How do you feel when you have to wait for something you really, really want? What if it was something you couldn’t live without? Well, my cousin was five years old when he found out he needed a new kidney. He went on the organ waiting list right away. He was called twice during a six month span that they had a kidney available only to find out that the kidney wasn’t a good match. He had to wait again. The third time was a charm. A small adult was in an accident and his kidney was a good match. This story had a happy ending but so many do not. B.  Tie to the audience: One of the people on the waiting list for an organ transplant might be someone you know. C.  Thesis and Preview: Today I’d like to talk to you about first, the need for organ donors in our area, second, how you can become an organ donor after you die, and finally, how your family and organ donor recipients benefit from you donation. [Transition into body of speech]: I’ll begin by telling you about the need for organ donors. II.  BODY A.  People around the world but also right here in Minnesota, Wisconsin, Iowa, and Illinois, need organ......

Words: 635 - Pages: 3

Free Essay

How Low Can It Go

...Questions: 1. How should Jonathan describe the rationale of the dividend discount model (DDM) and demonstrate its use in calculating the justifiable price of common stock? The dividend discount model (DDM) states that the price of the stock at a given time is: Po= Div1/ (r-g) where; Po= value of the stock, Div1=Dividend distributed the following year, r= required rate of return, g=growth rate of dividends, the growth rate “g” is assumed to be constant. The value of the stock can also be found based on the following over time: Po = Div1/ (1+r) + Div2/ (1+r) 2 + Div3/ (1+r) 3 + (Divn +Pn)/ (1+r) n Therefore, Po, P1, P2 and Pn can be found by using the following equations; Po= (Div1+P1)/ (1+r) where; P1= (Div2+P2)/ (1+r) and Po= Div1/ (1+r) + (Div2 + P2)/ (1+r) 2. Now, P2 = (Div3+P3)/(1+r) So, Po = Div1/ (1+r) + Div2/ (1+r) 2 + (Div3 + P3)/ (1+r) 3 which can continue into infinity as indicated above with the letter “n”. 2. Being a researcher Dwayne asked Jonathan a key question, “How did you estimate the growth rate(s) used in applying the model?” Using the data given in Tables 1 and 2 explain how Jonathan should respond. Since we are assuming that the growth rate of dividends is constant we will only need to be concerned with the first and last dividend values given. This is shown by rearranging the following equation: Div1*(1+g) n = Divn, therefore g = (Divn/Div1)1/n – 1 Using the data given, we compute the growth rate to be: g = (0.94/0.6)1/9 – 1 = 5.11%...

Words: 283 - Pages: 2

Free Essay

How Personal Can Ethics

...increasing in time and are very bad because they get people sick. Reflection Why did you choose this article? The reason why I chose this article is to see the main reason for bedbugs’ being in the store. Another reason is that it was funny and intersecting. Why is the topic in this article important to learn about? This topic is important to learn about because if you keep your home nasty and dirty you have a 100 percent of having bedbugs in your homes. How is the topic of this article controversial? I think this article can be controversial because people will think that the store is not being clean everyday and some people might make that store run out of business with in a heartbeat. Is this topic about something you would like to look into further? If so why? Yes, i really want to know if the employees are the one who brought these bedbugs at the store or the store was just dirty a lot. Did you enjoy reading this article why or why not? I love this article because it was fun to read. You can also learn the way some people live....

Words: 317 - Pages: 2

Premium Essay

How Personal Can Ethics Get

...“How Personal Can Ethics Get?” 1. Discuss how personal differences and preference can impact organizational ethics. Personal differences and preference can impact organizational ethics whenever there is a departure between what work ethics are expected to be in place and the actual ethical environment of the organization. If a leader or a leadership team lacks the appropriate ethical intensity and thus fails to highlight the moral importance given to an issue, then the leader’s personal preference will become the ethical compass for the organization. Clearly, while every individual has his/her own perception of work ethics, the organizational culture of professional standards demands that personal differences and preference take a back seat to the organizational ethical well-being especially considering the organizational responsibility to its stakeholders and public image. When personal differences and preference become part of the decision making process, the organizational ethics become diluted thus causing confusion, disbelief, disappointment and even decreased performance among the members of the organization itself. The immediate by-products are the unraveling of the ethical canvas of the organization and the increasing negative social consensus: both of which will eventually erode the organizational ethical foundation and could potentially have a direct impact on diminished product loyalty and market share. The case study “How Personal Can......

Words: 839 - Pages: 4

Premium Essay

How Personal Can Ethics Be?

...Running head: HOW PERSONAL CAN ETHICS BE 1 BUS520 Organizational Leadership October 20, 2011 HOW PERSONAL CAN ETHICS BE 2 Abstract Business ethics in an organization have become extremely relevant in today’s business society. Graduate schools teach business ethics to prepare leaders and managers to be more responsible. Although ethical issues often arise out of business relationships many companies strive to implement a code of ethics that eliminates room for doubt and place emphasis on the expectations for the company’s culture. HOW PERSONAL CAN ETHICS BE 3 Discuss how personal differences and preferences can impact organizational ethics. A profound quote that is used by so many is “to thine own self be true,” though this is easily spoken it is not easily able to be done. Being true as defined by moral principles involve character, integrity and self-awareness, this is one reason why many organizations develop core values and policies as their foundation. Hellriegel and Slocum (p. 10, 2011) define ethics as the values and principles that distinguish right from wrong. Personal differences and preferences are based from one’s experience and frame of reference that is developed from birth and linger long into our lives as adults. It is who we are and it’s symbolic of a woven masterpiece handed down from many generations. This impact on organizational ethics can be positive and allow the company’s culture to embrace......

Words: 1341 - Pages: 6