Loan Case Study

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1. Introduction:
The project is undertaken on study on Loans and Advances at St. Milagres Credit Souhardha Co-operative Ltd, Karwar. The study involves understanding the process involved in providing loans and advances. It helps to know and understand the pattern of loans and advances offered at St. Milagres Credit Souhardha Co-operative Ltd, Karwar
Loans and advances are the most important aspects of any banking organization. The term “Loan” refers to the amount borrowed by one person from another. The term “Advances” are the credit facility provided by the bank. The main objective of the project was to study the various types of loans and advances provided at St. Milagres Credit Souhardha Co-operative Ltd, Karwar. The project also aims at
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Milagres Credit Souhardha Co-operative Ltd, Karwar.

1.2 Need for the study:
 To identify the role of St. Milagres Credit Souhardha Co-operative Ltd, Karwar in providing assistance to the borrowers for fulfilling their needs.
 To assess the financial benefits obtained by the borrower in regards to the term loan.
 To get knowledge regarding the working of St. Milagres Credit Souhardha Co-operative Ltd, Karwar.
 To suggest some strategies for the bank to improve its position.
 The project is also beneficial for the management to know the profitability and the growth of loans and advances.

1.3 Objectives of the study:
 To understand the practices of lending by St. Milagres Credit Souhardha Co-op Ltd, Karwar.
 To examine the growth rate of loans and advances.
 To study the various types of loans and advances offered at St. Milagres Credit Souhardha Co-op Ltd, Karwar.
 To study the procedure involved in for issuing loans and advances
 To make some suggestions based on the study.
 To compare the total loans and advances provided by the bank for the period of 5
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Milagres Credit Souhardha Co-operative Ltd, Karwar
 The study also determines the advantages and disadvantages of loans and advances, benefits to the borrowers and also the risk associated with the loans and advances.

1.5 Methodology adopted:
The study is based on analysis made from both primary and secondary data collected for the purpose of the study.

1.5.1 Methods of data collection:
The data required for the study is collected by means of two methods
Primary data:
Primary data is also known as first hand information which i have collected through discussions with the Branch Manager as well as officers of various sections for getting knowledge regarding the bank and its services, the data required as per the requirements of the topic.
Secondary Data:
The secondary data was required to get the data related to the theoretical aspects. The information was collected through
• Official records of the bank
• Annual reports of the bank
• Reference book
• Internet

1.6 Literature

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