Review Paper- A Study of Credit Management Policies and Loan Disbursement Operations of Co-operative Bank

Review Paper- A Study of Credit Management Policies and Loan Disbursement Operations of Co-operative Bank

Miss Arati S. Gadhave1, Prof. Megha M. Bhogawar2

1Student of Master of Management Studies, Alamuri Ratamala Institute of Engineering and Technology, Mumbai University,

1994arati@gmail.com

2 Associate Professor, MMS Department, Alamuri Ratamala Institute of Engineering and Technology, Mumbai University

mmsho.armiet@gmail.com

ABSTRACT –

This study is conducted to know Credit Policy and Loan Disbursement Operations of Co- operative Bank. Co-operative bank provides variety of credit facilities as per customer’s needs. This facilitates can be for short term or loan term. The loan growth and performance of bank is required level or not it is also assessed in this study. This study confirms that Co- operative bank should maintain a good relation with its customers to increase the profitability. To increase total number of borrowers the bank should provide all the necessary information to their customers and should provide attractive rate of interest.

KEYWORDS

Banking guide, Credit Term, Interest, Credit Period, Credit Policy, Collateral, Capacity, Margin, Credit Limit