slugFactors of default in Small and Medium Enterprise: an Application of Cluster Analysis
Journal Title: International Journal of Management, IT and Engineering - Year 2011, Vol 1, Issue 7
Abstract
Lending activity is an integral part of the banking business. Howsoever good a bank may be in its credit management it cannot escape the natural laws operating within the dynamics of advance and recovery. To put in more manageable sense the strategic homogeneity of the factors of default are also affected by the category of default and the type of facility. Grouping and regrouping of the factors of default is a natural phenomenon based on certain rules. Thus this kind of an understanding calls for deliberation to find out the factors of default and also look for natural tendency of the factors for formation of clusters. Marketing as a process always looks for clusters based on certain homogeneity of variables so as to design techniques and means thus maximizing reach and minimizing cost. The formation of clusters and the affinity of certain units to cling to the same clusters can always provide with the much needed vital tip. The formulation of recovery plan is more strategic in nature when it comes to banks, with operational part playing a necessary role of execution. The dynamics of the factors of default and the formation of clusters according to major category of defaulter can open up new avenues to find out the synergistic agglomeration of units.
Authors and Affiliations
Subroto Chowdhury
Keywords
Related Articles
- EP ID EP18111
- DOI -
- Views 358
- Downloads 9
AN ASSESSMENT OF MONETARY REWARD IN KANO STATE:PERCEPTION OF TEACHERS OF PUBLIC SECONDARY SCHOOLS
This research work assessesthe perception of teachers of public secondary schools on their monetary reward in Kano State. The study, which is quantitative in nature, used survey research design. A total of 347 teachers...
An Implication of Three Tier Panchayati Raj vs PESA-1996 in Scheduled Areas of Sundargarh (A short vision of Katang Gram Panchayat)
The Indian constitution is an important source of social policies formation and its development with the objectives of social justice, social security, social peace and sharing of greater properties by the greater numb...
Supply Chain Analytics
Curiosity in supply chain management has increased since the 1980s when firms looked the benefits of collaborative relationships within and beyond their own organization. Firms are observing that they can no longer c...
International Trade – Boon or Bane for Economic Growth
International Trade has exerted a reflective sway on the economic growth of a country. It has been observed that with the advent of LPG policy of the Government and lifting bans on free trade, the developing countries,...
slugA STUDY ON EMPLOYEE STRESS MANAGEMENT IN SELECTED PRIVATE BANKS IN SALEM
The biggest killer is not AIDS or cancer but psychological problems, and we see that very high level of stress found in bank employees. The banking sector is becoming increasingly competitive around the country and the...