A Study on Credit Risk Management at Beejady Fishermen Co-operative Society Ltd, Beejady, Udupi

Abstract

The project report is prepared as requirement of MBA program of Visveswarya Technological University. This report is on “Credit Risk Management” of Beejady Fishermen Co-operative Society Ltd. This report aims to help the reader to understand in detail the issue of credit risk management. Also try to capture the practices which are used by Beejady Fishermen Co-operative Society Ltd in relation to Credit handling. The concept of risk management related to credit is the risk outstanding to uncertainty regarding the counterparty’s ability to meet their obligation. Because there are many types of obligations credit risk take many forms. The project tries to find the efficacy of credit risk concept in the co-operative banks. The project also tries to analyse the lending practices adopted at co-operative society and to know how exactly apprising a borrower’s credit worthiness is done. The major objective is to control the credit risk of the society when they are issuing loans to the required customers and also to giving some suggestions for proper utilization of loan amount and repayment of the same.