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 335
- Downloads 9
Image Inpainting Using Multiscale Salient Structure Propagation
In this study, a new image inpainting approach using multiscale salient structure propagation is proposed. The proposed approach consists of four stages, namely, (1) detection of salient structure(s), (2) inpainting of...
slugIMPLEMENTATION OF IMAGE STEGANOGRAPHY USING LEAST SIGNIFICANT BIT INSERTION TECHNIQUE
Transferring information on internet or on any public network is very common now-a-days. However I is not a secure mean of transformation for transmitting any important information. Anyone can hack, peek or copy the in...
Encryption and Decryption
The encryption standards such as DES (Data Encryption Standard), AES (Advanced Encryption Standard) and EES (Escrowed Encryption Standard) are widely used to solve the problem of communication over an insecure channel....
slugTHE PROBLEM OF HIGH DIMENSIONALITY WITH LOW DENSITY IN CLUSTERING
In many real-world applications, there are a number of dimensions having large variations in a dataset. The dimensions of the large variations scatter the cluster and confuse the distance between two samples in a datas...
slugAchieving Optimal DoS Resistant P2P Topologies for Live Multimedia Streaming using Cost function Algorithm
The peer-to-peer approach for live multimedia streaming applications offers the promise to obtain a highly scalable, decentralized, and robust distribution service. When constructing streaming topologies, however, spec...