• Login
    View Item 
    •   DBS eSource Home
    • Masters Dissertations
    • Business & Management
    • View Item
    •   DBS eSource Home
    • Masters Dissertations
    • Business & Management
    • View Item
    JavaScript is disabled for your browser. Some features of this site may not work without it.

    Impact of job instability among bank customers on loan sanctioning by Indian Banks

    View/Open
    mba_george_m_2016.pdf (1.075Mb)
    Author
    George, Maria
    Date
    2016
    Degree
    MA of Business Administration
    URI
    http://hdl.handle.net/10788/3188
    Publisher
    Dublin Business School
    Rights holder
    http://esource.dbs.ie/copyright
    Rights
    Items in Esource are protected by copyright. Previously published items are made available in accordance with the copyright policy of the publisher/copyright holder.
    Metadata
    Show full item record
    Abstract
    Commercial banking sector is considered to be the driving engine of India’s economy (Datta and Gupta, 2009). Indian banking industry is the biggest employer (Vairagkar, 2014) and employs nearly 1.2 million people according to the latest statistical reports of the Reserve Bank of India (RBI database, 2016). The banking and financial services sector has also witnessed many downturns since the global crisis in 2007. As banks undergo these transformations, it encounters new risks that demand the need for more advanced and flexible instruments for risk evaluation, checking and controlling risky exposures. When a customer with a history of job hopping every year or alternate year applies for loans, banks place the customer in a ‘high-risk category’. This means that the chances of employer change or unemployment in the future are high, which leads to loan defaults. Hence, job stability is clearly an important aspect as far as loan approval is considered. A major drawback associated with changing jobs frequently is financial insecurity (Meister, 2012). Banks therefore need to focus on credit risk management that will focus on the financial instability of customers due to job hopping. This study analyses the various aspects related to job hopping and aims to identify if job hopping has any impact on loan sanctioning procedures. Author keywords: Credit risk management, loan default, non-performing asset, employee turnover, job instability, job hopping
    Collections
    • Business & Management

    Browse

    All of DBS eSourceCommunities & CollectionsBy Issue DateAuthorsSupervisorTitlesSubjectsThis CollectionBy Issue DateAuthorsSupervisorTitlesSubjects

    My Account

    LoginRegister

    Statistics

    View Usage Statistics

    DSpace software copyright © 2002-2022  DuraSpace
    Contact Us | Send Feedback
    DSpace Express is a service operated by 
    Atmire NV