Sahakari Peth Sanstha, Sample of Research papers

6 pages, 2857 words

Introduction to Study

Welcome Sudarshan Nagari Sahakari Peth Sanstha Ichalkaranji. As a partial fulfillment of university for requirement for the award of master of administration degree. It is necessary for each and every student to visit the organization during summer vacation to implant training.The researcher has visited the organization, “The Sudarshan Nagari Sahakari Peth Sanstha Ichalkaranji”.As it is convenient for researcher to have a research study. With my due interest to work in their organization, they granted me permission to work for work in their organizations. The researcher has spent 2 to 5 days in the organization to study the overall organization culture and functions of the organization.

The object was to create a role model which would be capable of providing sustainable financial solutions in an affordable manner. The target beneficiaries would be those in the vicinity who were financially excluded despite their potential, honesty and integrity on account of their inability to fulfil stricter compliance requirements.

The most logical conclusion of these developments was the establishment of a credit co-operative under the nomenclature of “The Sudarshan Nagari Sahakari Peth Sanstha Ichalkaranji”. Being under the aegis of the Maharashtra Cooperative Societies Act, 1960 the set up was naturally democratic. But the insistence was on professionalism and transparency without losing sight of the ethical standards.

Within no time the selfless spirit, shared vision and collective wisdom of the Board Members could inculcate the expected esteem, glory and wisdom for “SUDARSHAN” in the minds of the people at large.

33 pages, 16139 words

The Research paper on ESTABLISH THE IMPACT OF SUPPLY CHAINS ON PURCHASING AND SUPPLIES IN AN ORGANIZATION

ESTABLISH THE IMPACT OF SUPPLY CHAINS ON PURCHASING AND SUPPLIES IN AN ORGANIZATION; A CASE STUDY OF EAST AFRICAN BREWERIES LIMITED. A RESEARCH PROJECT REPORT SUBMITTED TO MOUNT KENYA UNIVERSITY IN PARTIAL FULFILLMENT FOR THE AWARD OF BACHELORS DEGREE IN BUSINESS MANAGEMENT- PURCHASING AND SUPPLIES OPTION September 2013 DECLARATION I hereby declare that this research project submitted for the ...

As a consequence SUDARSHAN could achieve great strides during the last fifteen years and is poised for a great leap ahead in the time to come!

* OBJECTIVE OF THE STUDY

* To study the Type Deposits in detail

* To study the process of providing loan with respect to The Sudarshan Nagari Sahakari Peth Sanstha

* To study the process of funds management in detail in Pat. Sanstha

* To provide the suggestion whenever necessary.

SCOPE OF THE STUDY

In view of the statement of problem and the scope of the study a following have been set out as Objectives of the present study.

* To review the historical development of The Sudarshan Nagari Sahakari Peth Sanstha during the period of reference.

* To draw appropriate conclusions and put forward meaningful suggestions.

* To find out what are customer’s complaints and their satisfaction regarding service..

* To analysis and interpret the financial statements

* Study the Type Deposits

* Study the Funds mgmt

* Study of the CRR maintained on daily basis.

* Study the SLR maintained on daily basis

* Study of the Call Rates.

* Study of Non SLR.

* Study of Valuation.

* METHODOLOGY FOR STUDY

Research Methodology:

The Researcher has done the research by using two types of data. Both the data are provided. There were formal discussions are also carried while collecting required information. Discussions on the articles coming in newspaper, magazines, on equity market. In order to collect the data the Treasury &accounting Dept. extents its full cooperation’s.

For the purpose of collection of data for study; the following methods were undertaken.

* Data Collection:

Data collection means the systematic collection of facts, figures or information and its formal presentation for the purpose of drawing inferences. The statistical information collected complied and presented may also be included in the data, which play vital role in the research and analysis.

4 pages, 1840 words

The Review on Caribbean Studies IA Guildlines

The following is a brief guideline of what the Internal Assessment should entail. Ensure the sections of the I.A. are presented in the same order (as the bold-print words) below. USE THE SYLLABUS TO GUIDE YOU AS WELL. 1. Theme is clearly typed on the first page (top) of draft. 2. Topic is clearly typed on the first page (after Theme) of draft. Select a Theme and a Topic you can identify with so as ...

Both the primary and secondary may be used for the purpose of analysis. Let us discuss these types of data.

* Primary Data:

“The first hand information bearing any research which has been collected by the research may be called as primary data.” Thus result which are based on primary data are bound to be empirical and of great utility value.

The primary data which are collected fresh and for the first time and thus happen to be original in character.

* Secondary Data:

The data which has already been collected, compiled and presented earlier by an agency for the purpose of investigation, such data is called as secondary data.

The secondary data has been obtained from the bank Investment Policy annual reports, department’s manuals and other relevant documents.” The Banks data have been obtained from the following record.

* LIMITATIONS OF THE STUDY

There were various constraints that were faced during the span of the project which might have affected the outcome of the project and thus to be taken into consideration they are as follows:

* Study is based on the given information by Pat. Sanastha

* Data been confidential.

* Size of the organization and the nature of business itself were Eliminating fact.

* Only financial aspects of the unit under study are analyzed.

* COMPANY PROFILE

Co-operative movement started functioning from 1904 with passing co-operative act in India. Maharashtra Co-operative societies act 81(5 B) and Maharashtra Co-operative society rules 69.Co-operative institute is a society of the member who comes together uniformly with common intention of all.

The Sudarshan Nagari Sahakari Peth Sanstha, Ichalkaranji.On October 6th 1988, promised pillars were the founder Chairman

Shri Mahadev Vittal Amne etc.

The Sudarshan Nagari Sahakari Peth Sanstha, Ichalkaranji began its operation with a caption of Rs. 8 lakhs simultaneously at Ichalkaranji. The first member of its body was thinker, leader and economist Prof. A.B. Lathe.

On 29th August 1995 the bank has completed the rules and regulation and become a Schedule bank and awarded as schedule Peth Sanstha of Ichalkaranji.

7 pages, 3161 words

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SUDARSHAN NAGARI PAT. SANSTHA ICHALKARANJI function started by the year 1988-89. At the time of before SUDARSHAN NAGARI PAT. SANSTHA ICH. Was the year of 1992-93. Now days the Balaji Sahakari Pat Sanstha is operating only in Ichalkaranji.

* Members of The Sudarshan Nagari Sahakari Peth Sanstha, Ichalkaranji

Chairman and Board of Directors. |

1. Shri M.V. Amne (Chairman)(Director) 2. Shri R.S Bhutada (Vice. Chairman) 3. Shri K.P. Ingale (Director) 4. Shri B.P. Ubale (Director) 5. Shri S.Y. Bhosale (Director) 6. Shri U.V. Pote (Director) 7. Shri D.R. Patil (Director) 8. Shri U.V. Shid (Director) 9. Shri A.R. Khotawla. (Director) 10. Shri G.M. Patil (Director) 11. Shri A.M. Lole (Director) 12. Shri V.D. Kole (Director) 13. Shri. S.S. Bugad (Director) |

Executive 1. Mr. R.D. Bhadade General Manager

2. Mr. P.V. Hazare Manager

3. Mr. A.B.Patil Sp.Recovery Officer

4. Mr. A.H. Kanade Pigmi Member

5.Mr. P.D. Bhadade Pigmi Member

6.Mr. M.V. Hazare Pigmi Member

7.Mr. V.T. Maagne Pigmi Member

8.Mr. S.B .Badva Pigmi Member |

Administrative Set-up:

4 pages, 1512 words

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With the inevitable focus on customer satisfaction through prompt service and decision conveyance, Pat. Sanstha has adopted a flat administrative structure. Head Office is in Ichalkaranji. With customer interests in mind, the chain of command is kept to the minimum.

Management:

The BOD comprises of progressive Agriculturist, Reputed Traders, Merchant, Professionals like CA,B.Com, Small Scale Industrialist etc. The Counsel emanating from the rich and varied fields of exposure is reinforced by having programmatic, professional banker of acknowledgement foresight and vision of Shri M.V. Amne Chairman(Director)

Services:

The Bank Launched variety of “Loan scheme such as “ Education Loan, Personal Loan, Kisan Credit Loan etc.” The Pat. Sanstha provide financial assistance to all type of commercial value enterprise like, be it for Agriculture, Horticulture, Dairy, Traders, Small borrowers etc.

Future Plan:

* Opening of new branches at near city

* Introducing Following service

* Internet Banking

* New Deposit Schemes to be launched for premium segment Customers.

* ATM Services

* All Credit products to be reviewed repackaged new products to be designed.

* Facility of malty cheques to be introduced for cash credit accounts.

* Regional Processing cells to be created at for faster loan appraisal.

* Business development offices to also be appointed for certain regions for marketing.

* Performance liked incentive scheme to be launched for employees.

Sudarshan Nagari Sahakari Pat.Sanstha Ichalakaranji

INTEREST ON DEPOSIT RATE: –

Sudarshan Nagari Sahakari Pat Sanstha is rate of interest on deposits as follows –

PERIOD OF DAY & YEAR | interest rate |

90 Days and Above | 6% |

1 Year To 2 Year | 7% |

2 Year Complete | 8% |

2 Year and Above | 9% |

Period | Interest Rate |

7Years .2 Months | Double Amount |

1 page, 417 words

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Loan | Interest Rate |

Taken Loan Int. Rate | 15% |

* for Senior Citizens 1.00 % Additional Interest Rate

Types Of Saving Account In Sudarshan Nagari Sahakari Pat. Sanstha

* Savings Account |

Period | Int. Rate | Eligibility |

| 4% | Individual |

Documents Required | Minimum Bal. | |

 A/c Opening Form 2 Photographs Address Proof Pan Card Reference Person# Self Attested Copies of Pan Card / Driving License / Electricity Bill / Telephone Bill | With Ch. Book Rs 200

Without Ch. Book Rs 100 | |

* Fixed Deposits (Short Term Deposit ) |

Period | Int. Rate |

From 30 Days to 80 Days | 5.50 % |

Eligibility | Documents Required | Minimum Bal. |

Individual | A/c Opening Form | Rs. 500 & Above |

* Current Account |

Period | Int. Rate |

| 1% |

Eligibility | Documents Required | Minimum Bal. |

Individual | * A/c Opening Form * Signing Authority of Karta * 2 Photos * Address Proof * Pan Card * Reference Person | With Ch. Book Rs 200

Without Ch. Book Rs 100 |

Hindu Undivided Family |  A/c Opening Form Signing Authority of Karta 2 Photographs of Karta Address Proof Pan Card Authority Letter of Co-parsoners Reference Person | With Ch. Book Rs 200

Without Ch. Book Rs 100 |

Proprietory Firm |  A/c Opening Form Shop Act Lincences 2 Photographs of Propritor Address Proof Pan Card Reference Person | With Ch. Book Rs 200

Without Ch. Book Rs 100 |

Partnership Firm |  A/c Opening Form Partnership Deed  Letter of Signing Authority of Partner 2 Photographs of Partner Address Proof Pan Card Reference Person | With Ch. Book Rs 200

Without Ch. Book Rs 100 |

Pvt. Ltd. Co, |  A/c Opening Form Registration Copy Article Memorandum Partnership Deed Xerox Letter of Signing Authority of Partner 2 Photographs of Partner Address Proof Pan Card Reference Person | With Ch. Book Rs 200

Without Ch. Book Rs 100 |

Trust |  A/c Opening Form Trust Deed Xerox Letter of Signing Authority of Trustees 2 Photographs of Trustee Address Proof Pan Card Reference Person | With Ch. Book Rs 200

2 pages, 917 words

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Without Ch. Book Rs 100 |

* Recurring (Samrudhi 1000) |

Monthly Rs.1000 per month and on maturity gets Rs 1 Lakhs |

Period |

6 Year 2 Months |

Eligibility | Documents Required | Minimum Bal. |

Individual | A/c Opening Form | Rs. 1000 per Month |

Hindu Undivided Family

Propritorship Firm

Partnership Firm

Pvt. / Unlimited/ Ltd. Co,

Trust | Authorised Signature (As Applicaple Person) | |

* An Accidental benifit Rs 1 lakh |

* Recurring Scheme (Samrudhi 500) |

Monthly Rs.500 per month and on maturity gets Rs 50,000 |

Period |

6 Year 2 Months |

Eligibility | Documents Required | Minimum Bal. |

Individual | A/c Opening Form | Rs. 500 per Month |

Hindu Undivided Family

Propritorship Firm

Partnership Firm

Pvt. / Unlimited/ Ltd. Co,

Trust | Authorised Signature (As Applicaple Person) | |

* An Accidental benifit Rs 50,000 |

* Recurring |

As Per Chart |

Period |

1 Year To 5 Year |

Eligibility | Documents Required | Minimum Bal. |

Individual | A/c Opening Form | Rs. 100 & Above |

Hindu Undivided Family

Propritorship Firm

Partnership Firm

Pvt. / Unlimited/ Ltd. Co,

Trust | Authorised Signature (As Applicaple Person) | |

* Accidental Insurance upto 25,000 |

* Locker Deposits |

| Int. Rate |

Amount of Deposited linked be size of Locker Specifications | —– |

Eligibility | Documents Required |

Individual | A/c Opening Form |

Hindu Undivided Family

Propritorship Firm

Partnership Firm

Pvt. / Unlimited/ Ltd. Co,

Trust | Authorised Signature (As Applicaple Person) |

TYPE | Sepcifications | DEPOSITS |

A | 15” | 20.8” | 19.3” | 20,000/- |

B | 7.4” | 20.8” | 19.3” | 15,000/- |

C | 4.9” | 13.5” | 19.3” | 10,000/- |

D | 6.25” | 6.2” | 19.3” | 7,500/- |

E | 4.9” | 6.8” | 19.3” | 5,000/- |

* Interest Rates for Loan |

Particulars | Period | Int. Rate | Sanction Limit |

Personal Simple Loan | 1 To 5 Years | 14% | From Rs. 5000/- to Rs.50000/- |

Hypothecation Loan | 1 To 5 Years | 14% | From Rs. 25000/- to Rs 40 Lakhs |

Property Mortgage Loan | 1 To 5 Years | 14% | From Rs. 25000/- to Rs 40 Lakhs |

Home Loan | 5 To 18 Years | 12% | From Rs. 25000/- to Rs 40 Lakhs |

Four Wheeler Loan | | 9.75% to 10.75% | From Rs. 25000/- to Rs 40 Lakhs |

As Per Requirment of Loan | | | |

Up To Rs. 5 Lakhs | 5 Years | 9.75% | |

Up To Rs. 10 Lakhs | 6 Years | 10.25% | |

Education Loan | 3 To 7 Years | 10.5% to 12% | From Rs. 25000/- to Rs 5 Lakhs |

First 4 Year or Education Year which is less, Moretoriem period | | | |

Travel Loan | 3 To 7 Years | 10.5% to 12% | Rs 1,00,000/- & Rs 2,00,000 |

Professionally Self Employed Loan | 7 Years | 12% | From Rs. 50000/- to Rs 40 Lakhs |

| | | |

an Two wheeler Loan | 3 to 5 Years | 11% | Up to Rs. 50000/- |

| | | |

These All Scheme are in the year of 2009-10‚ our deposit schemes as Above.

Working Time Table of Sudarshan Nagari Pat. Sanstha Ichalkaranji

TIME – TABLE

DAY | PARTICULAR | TIME |

Monday to Friday | Cash transaction | 11.00 To 2.30 |

| Lunch &Rest | 2.30 To 3.15 |

| Office Work | 3.15 To 6.00 |

Saturday | Cash transaction | 11.00 To 1.00 |

| Office Work | 1.30 To 3.00 |

Sunday | HOLIDAY |

* Services Offer By Sudarshan NAgari Sahakari Pat. Sanstha

Demand Draft Service ( Courtesy Service) |

| * Demand Draft Services * Moderate Commission charges * Facility for 526 Cities in India * 9 am to 6pm Facility for DD |

Safe Deposit Locker Service |

| * Rent free locker * 9 am to 6 pm Facility |

Cheque Clearing Service : |

| * Cheques Clearing service with support of other banks * Acceptance of cheque from 9 am to 9 pm * Local & out station clearing facility is also available. |

Senior Citizen Special service counter : |

| * Selective services at the door step * Immediate response to your telecall with service at your home. * Monthly Interest at your home, on 1st day of every month. |

R.T.G.S. / N.E.F.T. SERVICES: |

|  Money Transfer without hassles As per your choice, sent & receive money any where in India. Minimum Charges. |

BANK GUARNTEE & BANK DEMAND DRAFT SERVICE: |

|  For your business, we are always with you. As per your business requirement,bank guarantee available. Service available in all branches with support of Head Office. Private, Co-operative & Government Banks Demand Draft in low Charges. |

E-TAXATION PAYMENT: |

|  No queue, No Writing Tension Immediate E-Payment of any Tax. Simple & Speedy process with Low charges. Expand your business by easy E Tax Payment. |

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Salient Features

1. ————————————————-

The Pat. Sanstha has aquired head office in Ichalkaranji 6/10/1988

2. ————————————————-

The Business mix acquired is about Rs.1Crs. with 16 employees.

3. ————————————————-

Thus the Pat. Sanstha Future plan of opening 5 new branches in the current financial year making total Branch Network to 5 with nearer city.

4. ————————————————-

The entire business Pat. Sanstha is conducted by manager with his personal touch.

5. ————————————————-

The Bank has already started RTGS for cheap funds transfer above Rs.1.00 lacs and for funds transfer below Rs.1.00lacs NEFT is already operational.

6. ————————————————-

SMS banking with information sharing within 6 month will be started.

————————————————-

Call Money Market

Call rate is the interest rate paid by the banks for lending and borrowing for daily fund requirement. Si nce banks need funds on a daily basis, they lend to and borrow from other banks according to their daily or short-term requirements on a regular basis. The money market is a market for short-term financial assets that are close substitutes of money. The most important feature of a money market instrument is that it is liquid and can be turned over quickly at low cost and provides an avenue for equilibrating the short-term surplus funds of lenders and the requirements of borrowers. The call/notice money market forms an important segment of the Indian Money Market. Under call money market, funds are transacted on overnight basis and under notice money market, funds are transacted for the period between 2 days and 14 days.

By definition, money market is for a maximum tenor of up to one year. Within the one year, depending upon the tenors, money market is classified into:

i. Overnight market – The tenor of transactions is one working day.

ii. Notice money market – The tenor of the transactions is from 2 days to 14 days.

iii. Term money market – The tenor of the transactions is from 15 days to one year.

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Information About Financial Statement Analysis

Introduction –

The object of this chapter is to design the theory of financial statement analysis, which will be is useful for the purpose of present study. To achieve the purpose the chapter divided into two parts.

Part – (A) financial statement

Part – (B) analysis of financial statement

Part A is sub divided into six sections as follows

MEANING OF FINANCIAL STATEMENT

Financial statement of the formal statement of accountants of Co-operative Society expressed in money value which are prepared at the end of financial year co-operative society annuals report which is prepared by all co-operative society at the end of each accounting year and certified by an Certified Auditor or Chartered Accountants is indeed a valuable source of information an annual a report content a balance sheet as at a particular data which is generally the last the date of accounting year. The profit & loss account for the specified period the directors report to the shareholders and the auditors reports to the shareholders through they are some other statement regarding financial data the following data to components are regarded most important.

————————————————-

5.1 FINDINGS

* The working of bank is as per the RBI guidelines master circulars .

It has found that the bank has made investments in statutory liquidity ratios

securities.

* It has been seen that bank has made investments in equity shares.

* It has been seen that bonds are also been purchased and valued.

* It has come to know that bank has made poorer investment in NON-SLR security too

* Till today bank has never made any repo.

* Reverse repo is done on daily basis.

* Maintenance of daily balance at RBI 70% and 100%.

* Maintaining the daily 6% of CRR and 25 % of SLR is compulsory.

5.2 SUGGESTIONS:

* Investment in Telecom Sector.

* Investment in Forex Market

* Investment in Venture Capitals

* Investment in Bullion Market

* Investment in Certificates of Deposit.

* Investment in Commercial papers.

BIBILOGRAPHY:

* Person survive and information given by there member.

* www.google.com.

* Annual Report.

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Introduction to Study

* LIMITATIONS OF THE STUDY

Management:

Services:

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