This project report entitled the credit facilities in Shiva Credit Co -
operative Society, Honnali. This has been brought out to know the
customer¶s or member¶s opinion about the credit facilities provided by
the society. This project is also prepared to kno w the performance of the
society.
After this state, barter system came into existence. Barter system
means trade with exchange of goods, with the absence of money. At this
stage the concept of dependency emerged in the routine life of the human
beings. And their dependenc y demanded co-operation that is how co-
operation was born.
Æ
The follows are the important objection:
1.c To make detailed study of flow of credit provided by the co -
operative society.
2.c Effective utilization of service by the members.
3.c To study the problem connected with the credit facilities provided
by the society.
4.c To study establishment, growth and progress of service provided
by the society.
5.c To know the general opinion of the customers about the society.
6.c To express our own opinion about the society¶s developing,
services to attract and hold the customers.
7.c Togo into their depth about the problem faced connected with the
credit facilities provided.
u
³Shiva credit co-operative society´ is located in Nyamathi road in
Honnale. Is selected and their information about the opinion towards the
society¶s functioning are collected.
S
The data is collected for the preparation of this project report
includes both primary and secondary data. The primary data is that the
secretary of the society. Directors of the society and the society ¶s staff is
personally interviews to collect information about the credit facilities
provided by the society to the study.
Secondary data has been collected throng survey the survey was
conducted; questionnaire was prepared and passed to the selected
customers which reveal the customer idea about the society.
ñc%
1.c e can get a clear idea about the credit facilities provided by the
society.
2.c The report is helpful in knowing about the customers wants about
the society¶s service.
3.c The study given us to know the performance and growth of the
society.
4.c By preparing this project report the study helps us in coming to our
own conclusion about the society¶s and to write our own
suggestion for its improvement.
ñcÔ
There are some limitations in doing project report, they are as
follows:
1.c Here we cannot contact all type of customers.
2.c Some customers will not give correct opinion about the survey.
c
Sahyadri Arts & Commerce College
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c
Sahyadri Arts & Commerce College
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p u
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Co-operation means working together to accomplish the common
goal through cooperative principles.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
In 1919 co-operative was removed from the central list and made a
provincial (State) subject under the federal constitution. Vigorous efforts
were made by the govt. during the great depression period of the thirties
to save the movement. During the IInd world war, also the Indian co -
operative movement experienced URS and down till independence. The
co-operative in india has recorded by the tardy growth, inspite of the
morale and material support provided by the government.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
The internal labour organization definer a co-operative as ³an
association of persons, usually of limited, means, who have voluntarily
joined together to achieve a common economic and together the
formation of a democratically controlled business organizat ion making
equitable contribution to the capital required and accepting a fair share of
risks and benefits of the undertaking´.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
doesnot mean that a co-operative society will have work for profit.
It is quite usual for society to earn profit by extending their service
to max-members.
5)c Disposal of surplus: It is usual for commercial concern to distribut e
profits among the owners in the ration of their capital distribution
or in agreed ration. A co-operative society differs from trading co.
in this respect. Under the co-operative form of ownership and
organization, surplus arising of a year working is given to the
members not directly or divided on share held by each of them. But
in the form of a bonus which need not be proportionate to their
respective capital contribution.
6)c Fixed return on capitals: The fixed or limited return on capital
subscribed to the society must be paid out of the surplus to the
members. ³Making payment of fixed interest or paid up capital
definitely a first charge on the trading surplus, of all those who
joined the society a solid reason for leaving their savings in
deposits with it´.
7)c State control and co-operative status: Although voluntary in their
basic character the co-operative society are subject to considerable
state control and supervision. In india the co-operative society act
as the case may.
c
Sahyadri Arts & Commerce College
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c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
c
Sahyadri Arts & Commerce College
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Man is a social animal, he always live together with others. He
need groups. He cannot be left in isolation. Human being work together
thinks together and lives together the entire human society is based on
mutual understanding and co -operation.
Since during olden days the small formers or the peasants of India
are suffering from many problems. The main problem to them is food,
clothing and shelter. They all depend on agriculture to satisfy all these
needs. Agriculture in India is depend on ³Monsoon´ which is uncertain
and which is playing with lives of our frames and peasant. hen
monsoon use to fail the crops will be washed away with the floods. Thus
formers and peasant were played by the monsoon. During the failure of
monsoon former and peasant used to suffer a lot. They felt difficulty even
to satisfy their basic needs. At this time the former or the peasant used to
go to ³ZAMINDARS´ or ³LANDLORDS´ to ask for help the zamindars
and landlords are god to them. They are to grant the former loan at a very
high rate of interest after pleading the lands f rom the formers. As the
peasant and formers had only way, they used to agree the conditions of
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
Not only to the formers even to the middle and high class people
realize the need of co-operative society. It is helpful all aspects like
industries, banking, clubs etc it is very useful to every persons or
individual either he may be an industrialist a professional or a
businessman people of every class in modern days are farming their own
group or societies with the help of principles of co-operation by making
their and others dreams come true.
c
Sahyadri Arts & Commerce College
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A)cA Profile
B)cSource of Fund
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
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The ³SHIVA CREDIT CO-OPERATIVE SOCIETY´ is a co-
operative society, which is registered under ³KARNATAKA STATE
CO-OPERATIVE SOCIETY ACT of 1959 column-4´, established on
31.07.2000 has completed its useful of a 9 years in Honnali.
Before 2000 in Honnali, there were only two or three co-operative
societies which were also not concentrated on giving credit facilities
(credit flow) and financial aid to the people. In such a situation, a few
leaders of community firmly decided to establ ish a co-operative society
by keeping aside their own personal work. Some of the persons who
initiated for the establishment of society were:
1.c M.G.Virappa gowda
2.c T.Shankarappa
3.c D.G.Shanthanagowda
4.c D.Thirthalingappa
5.c H.Haleshappa
6.c M.Siddappa
7.c K.V.Manohar
8.c A.G.Chandrashekar
9.c K.G.Someshekarappa
10.cH.P.Rajashekar
11.cK.S.Hiremane Naik
12.cT.G.Sowbaghya
share of the society and on ³31 st July 2000´ the society was retgistered
under the name ³SHIVA CREDIT CO-OPERATIVE SOCIETY
LIMITED´
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
50,66,255 for self loans. The total transaction of the society was
Rs.29,99,834/- the society has not made any loss in this year.
In 22.09.2002 it conducted its 2 nd annual general body meeting and
the members were discussed about the incomes and expenditures
profits and losses and the budget and loans and advances during their
year its total transactrion was Rs.5,42,70,995 and during this y ear
competerisation of transaction was adopted.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
If we study the above figure, it is very clear that year by year, the
society has gained more and more profit and had economic progress.
The society is helpful in the community not only in the Honna li but in
the various region society stands as on ideal model for private
upcoming community in the society.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
6
The main source of fund of this society is share capital collected
from share holders which is limited to Rs.50crores and with 4500
members Acceptance of deposits from members. Its own funds which are
created out of profits and borrowing from district central co -operative
banks in case of need.
The Society has collected different types of deposits form 2004 -05 to
2009 are as follows.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
From the above table we can conclude that from 2004 -05 to 2005-
06 the total deposit has been increased of 35.96 lakhs and from 2005 -06
to 2006-07. The total deposit increased to 162.73 lakhs and the year
2006-07 to 2007-08. The deposits were increased to 50.01 as compared to
previous year the deposit collected got steady growth. In the year 2007 -08
to 2008-09 the deposits got decreases. It has been came down to 56.14
lakhs.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
9
9
9
Ô
Important types of loans provided to its members are as follows on
members own responsibility it provides Rs.2000/- without interest for the
loan amount exceeding Rs.1000/ -, It provides loan upto Rs.5000/- at 10%
rate of interest.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
The society provides the loan on the surely of gold ornaments for a
maximum amount of Rs.1,00,000/- the loan is given on the basis of 65%
of the appraises value of the gold. The rate of interest charged is 11% the
amount should be repaid within 6 months on daily basic.
9
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
From the above table, we come to know the total lending of the
society from 2005 to 2009. As the loans and advances given are
increasing year by year upto 19.8 crores this shows the improvement and
lending capacity of the society.
S
The management of the society is democratic and honorary. It is
based on the principle that ³One member, one vote´ the management is
entrusted to two bodies.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
6
g
Particulars 2005 2006 2007 2008 2009
Share capital 44.73 45.49 46.22 48.87 51.75
Reserve fund 8.18 12.00 28.30 33.58 39.02
Deposits 133.00 142.00 147.00 194.00 195.94
Advances 107.60 157.67 188.16 188.64 198.30
Members 3558 3455 3451 3508 3557
Net profits 7.71 7.82 8.86 9.15 11.32
Dividends 6 7 7.5 9 10
Investment in 39.13 27.71 21.41 31.20 30.00
banks
From the above table we can say that from the year 2005 to 2009
every item has increased except number of members; it got decreased
from 2005 to 2008 and again it increased to 3557 and investments in
other banks also decreased and also fluctuated in 2008 and 2009, it
increased at the last two years.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
c c
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c
Sahyadri Arts & Commerce College
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c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
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A.cMeaning of Credit
B.cClassification of Credit
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
The word ³Credit´ has been derived from the Latin word ³Credo´
meaning ³I believe´. Credo, however is a combination of the Sanskrit
word, meaning ³Trust´ and the Latin word ³do´ meaning ³I Place´
ñc According to ingfield streford, credit is ³nothing more or less than
faith and faith no less on the stock exchange than before the alter, is
the substance of things hoped for, the evidence of things not seen´.
ñc According to illiam Stanley Jevons, credit is ³nothing but the
deferring of payment´.
ñc According to Cole, ³credit is purchasing power not derived from
income, but created by financial institutions either as an offset to idle
incomes held by depositors in the banks, or as a net addition to the
total amount of purchasing power´.
It is in this sense that the term credit is used in current monetary
discussions.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
Pc Æ
a.c These include purchase of buildings and ornaments shares and
debentures of companies, co-operatives.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
In the Society, the Secretory knows from the experience that all the
depositors does not withdraw all their money at the same time. Moreover,
has when there are withdrawals, the society gets deposits fromt eh
existing as well as new depositors. The loans granted for fixed assets like
buildings, machinery, repayable within 3 to 4 years. The secretary
stipulates periodical repayment of installment towards liquidation of these
advances thus by a proper employment of funds, the secretary is able to
keep the funds liquid or repayable at short noti ce and is in a position to
meet the demand of his depositor as members.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
c
The particulars of the applicant consist of two phase one should
be filled by the applicant and other phase should be filled by the
office staff. This column contains the particulars like name of
shareholders in the applicant¶s family type of loans etc.
c Æ
It contains date of membership of the applicant and bailee, share
amount paid, if any penalty paid is post if bailee has paid any
penalty on the loan amount is the past is past if any loan taken and
not repaid is time etc.
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Self loan is a loan provided by the society to its members on
members own responsibility. Rs.2000 without interest. For the loan
exceeding Rs.2000 its provides loan upto Rs.5000/ - at 15% rate of
interest.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
9 9
9
9
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
Vehicle loan is provided by the society on the surely of Vehicles
for two wheelers and three wheelers the loan amount will be 80% of the
on the road value and 4 wheelers the loan amount will be 75% of the on
the road value and 13% rate of interest for both repayable in 40 and 60
installments respedively.
9
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
The loan provided to business is increased year by year the members are
benifited by this loan.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
Ô
Society provides loan to employees who are the members of it and
it is based on the salary of the persons and the interest rate charged on
this loan is 15%.
9
c
Sahyadri Arts & Commerce College
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9
c
Sahyadri Arts & Commerce College
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9
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
From the above data the housing loan provided is fluctuated from year to
year and decreased to 2.25lakhs in 2008 -09.
9
9
9
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
9
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
From the above table we can conclude the loan taken on pigmy deposits
are increased in 2005-06 and no majors till 2008-09.
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
c
Sahyadri Arts & Commerce College
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ñc Introduction
ñc Analysis of Response
c
Sahyadri Arts & Commerce College
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Survey means going into the depth of the responses and collecting
attitude of the members and problems faced by the them while dealing
into different parts and the members are given the format of questionnaire
The survey has been successfully carried out and the respondents
are having close contact with the society. They gave good and realistic
c
Sahyadri Arts & Commerce College
c ccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccccc Shiva Credit Co-operative Society Limited
% $
1 18-25 years 08 16
2 25-40 years 25 50
3 40-50 years 10 20
4 Above 50 years 07 14
50 100
The above table shows that 50% of respondents are the age group
50 years, while 16% of respondents from the age group of 18 -25 years
and 14% of respondents are from the age group of Abov e 50 years.
c
Sahyadri Arts & Commerce College
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%
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1 Male 30 60
2 Female 20 40
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Sahyadri Arts & Commerce College
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In the above table, the response obtained from the male members is
more in numbers i.e. 60% and remaining 40% of respondents are female
Sales
9
c
Sahyadri Arts & Commerce College
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9
$
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1 Business 08 16
man
2 Agriculture 15 30
3 Employees 14 28
4 Others 13 26
Total 50 100
In the above table, we can find that majority of individuals belong
to professionals. i. E. 30% followed by the govt. employees who are in
28% and 26% individuals belong to others group includes Housewife and
students. hile 16% of respondents belong to business who are in less in
numbers.
c
Sahyadri Arts & Commerce College
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1 Below 5000 20 40
2 5000-10000 14 28
3 10000- 12 24
20000
4 Above 4 08
20000
Total 50 100
From the above table we come to know that 40% of the
respondents belong to below 5000 group, while 28% of respondents
belong to middle income group, followed by 24% of respondents belong
to in come group of 10000 -20000 and 8% of respondents belong to
income group of above 20000.
c
Sahyadri Arts & Commerce College
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1 Long ± term 08 18
2 Middle- term 28 62
3 Short-term 09 20
Total 50 100
From the above table, we can easily understood that the long -term
lona required by the members are in 18% of total respondents, while 62%
of total respondents, while 20% of the respondents requires medium and
shoret term loan respectively.
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Sahyadri Arts & Commerce College
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suggestions, since they have long contact with the society. The
society considers the suggestions given by senior members.
ñc The society concentrates the female members because they are less
in number. And, it should take necessary measures to increase
female members also.
ñc The majority of members belong to middle-income group. Hence
society should concentrate on the mobilization of savings o f
middle-income class of members.
ñc Majority of the respondets are satisfied with the services provide
by the society, but till society should improve its services.
ñc The respondents who are borrowed loan from the society are more
in numbres and there is also some of members who are not
borrowed any loan from society. Therefore, society should
concentrate on those members who are not borrowed any loan from
the society.
ñc Most of the member¶s are required long-term land medium term
loans. So, the society increase its long-term, loans by reducing
short-term, loans.
ñc The loans facilities given by the society is satisfied to the majority
of the members but, till society should take measures to satisfy
other members.
ñc The maximum members utilize only Self loan, business loan, gold
loan, and vehicle loan. Some the society should re -arrange all those
loan facilities, which are not utilized by the members.
ñc Interest charged on loan is moderately satisfied to members and
society further decrease its interest rate and attract m ore members.
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Sahyadri Arts & Commerce College
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The society must increase the amount of business loan given
to its shareholders for the purpose of increase the enterpreniual
capacity of its members.
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Sahyadri Arts & Commerce College
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The society currently charging 2% more than the actual interest for
the surety loan and 3% more than the actual interest for the pledged
loan. So, in order to recover the debts in quicker way the society
must increase the penal rate of interest.
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Sahyadri Arts & Commerce College
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c No, a doubt, Shiva credit co-operative society ltd., is working in
the right direction. It cannot be ignored, since its establishment it is
striving hard for improving the economic conditions of the
members.
c At the same time it is servicing its members in various ways i.e.,
advancing loans as and when needed at cheper rate of interest,
collects deposits from their savings, work for welfare of members
etc.
c Loan distribution and collection system is also good and majority
of the members were satisfied. Loan is allotted without
discrimination members are satisfied with the working of the
society.
c It is necessarily that society should always orient its activities
towards welfare of members. It is well-known fact that the main
objective of the society is ³EACH FOR ALL AND ALL FOR
EACH´. Therefore, it is necessary that society should always aim
at continuous development or adoption, which will be more helpful
to the members of its services.
c The opinion of each member should be of great importance in
taking steps towards development. Therefore, research studies like
the present on may help the society to re-orient its strategy related
to advancing loans, deposits mobilizations and provision of
different services.
c
Sahyadri Arts & Commerce College
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I am Praveena.M.R, student of final BBM, Sahyadri Arts &
Commerce College, Shimoga. I am doing society members survey to
know the loan facilities provided by the u p pÆ
ÆuÆpÔ$ ÆuÔ I will be thankful to you if
you spend your precious time to answer this questionnaire. Your response
will be kept strictly confidential.
9.c From how many years you are dealing with this society?
_______________
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Sahyadri Arts & Commerce College
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6.c www.google.com
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