A Multidisciplinary Research Journal - Devanga Arts College

PROBLEMS IN SANCTIONING AND DISBURSEMENT
The study enquired about the difficulties faced by the borrowers at the time of
sanctioning and disbursement of loan amount by the primary co-operative banks. The study
reveals that out of 100 respondents, 57 respondents (57%) stated that the undue delay was the
difficulty, 43 respondents (43%) stated that more formalities were their difficulty.
NATURE OF
PROBLEMS
PROBLEMS IN SANCTIONING AND DISBURSEMENT
NUMBER OF
RESPONDENTS
PERCENTAGE OF
TOTAL
Undue delay 57 57
More formalities 43 43
TOTAL 100 100.00
From the table it is clear that undue delay is an important difficulty faced by the majority
(57%) of the borrowers.
REASONS FOR DISSATISFACTION
The study attempts to know the reasons for dissatisfaction. The analysis of the data
showed that out of 100 respondents’ majority of 57 respondents (57%) stated the reason of delay
in processing and sanctioning, 31 respondents (31%) stated the reason of personal bias, 22
respondents (22%) stated the reason of guarantee request as the case of for their dissatisfaction.
REASONS FOR DISSATISFACTION
NATURE OF REASONS NUMBER OF
RESPONDENTS
PERCENTAGE OF
TOTAL
Delay in processing and
sanctioning
57 57
Guarantee requirement 22 22
Personal bias 31 312
TOTAL 100 100.00
From the above table it is clear that 57% if the customers of the primary co-operative
banks stated the reason of delay in processing and sanctioning as the cause of their
dissatisfaction.
AVAILING NON-BANKING FUNCTION
Primary co-operative banks are involved in the non-banking services for their customers.
These activities differ from one bank to another. The study attempts to know the non-banking