download (pdf, 11MB) - SNV

Table - 28 :
Repayment Status Of Bank Loans
Installments paid till date No. of Household Percentage
Nun 29 29
First 9 9
SECOND 6 6
Third 5 5
All 12 12
Loan not taken 31 31
Response not given 8 8
It was reported that out of 69 households who took bank loans, 55 households have repaid loans on time.
Furthermore, the number of households who have due payments with the bank was told to be only 14. All the
users who had due payment told that they are well aware about the loan repayment schedule but they found it
difficult to manage money to repay the loan in time.
When asked about how they repaid/will pay the loan. 33 users told that they used income sources such as salary,
pension etc, 28 told the source to be selling of agricultural products and selling milk and milk products, 1 told
the source to be the money borrowed from others and the remaining 7 told that they have not yet decided or
planned the source.
4.5 Services Rendered by Banks
It was reported that all the users who took loans to install their biogas plant received it from the ADB/N. To get
more information on the users' perception as regards the service being rendered by the ADB/N, the financial
institution responsible for loan sanctioning, the respondents were asked with various questions. The following
table - 29 illustrates total duration taken by the bank to approve the loans as responded by the sampled recipient.
Table - 29 :
Total Time Taken By ADB/N To Sanction Loans
Duration (in days) No. of households Percentage
24 24
11-30 27 27
30 - 90 6 6
More than 90 1 1
No loan taken 35 35
Could not say 1 1
Total 100 100
When asked the respondents if they faced any difficulties to get their loans sanctioned, 12 of them replied
positively. As responded by these users, the major problems faced by them in getting the loan sanctioned were
the non-cooperative attitude of the bank staff (stated by 6 HHs), repeated visits (stated by 3 HHs) and unusual
delays (stated by 2 HH). The other complain of the user (1 HH) as regards the role of ADB/N was that it
valuated the land at a lower rate.
The respondents were also asked with question on the frequency of visit to their households by bank personnel.
Among them, 39% of the total respondents told that bank staff visited once, 10% of them told twice, 3% told
three times and 4% told more than three times. The remaining 44% of the total respondents replied that non of
the bank personnel had ever visited to their households to monitor the plant condition after the installation of
their plants. It was experienced that most of the plant owners expected the routine visits of bank personnel so
that the effectiveness of after-sale services is well known to them.
Despite few complain and dissatisfaction, it can be concluded that the service being rendered by the ADB/N in
this sector is highly satisfactory and loans easily sanctioned.