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dc.contributor.authorMeher, Tunaza
dc.date.accessioned2018-08-08T09:55:43Z
dc.date.available2018-08-08T09:55:43Z
dc.date.issued2018-08-07
dc.identifier.urihttp://dspace.uiu.ac.bd/handle/52243/378
dc.description.abstractThe report is based on the “Evaluation of Credit Information Bureau under Credit Risk Management Department of IDLC Finance Limited”. The significant goal of the report is to know the exercises of credit risk management of IDLC Finance Limited for ensuring customer retention. Focusing on the non-performing loan and financial performance is another objective of the report. Exploring the loan sanctioning procedure and pricing strategy are also objectives of the report. To prepare the report both qualitative methods have been used in the report. Most of the information of the report has been collected from primary sources and also some information has been collected from secondary sources. All branches of IDLC Finance are the population and head office of IDLC Finance has been selected as sample of the report. To complete the report judgment sampling is used. Customer retention strategy and how credit risk management department influences to reduce non-performing loan are also used in the report. Credit risk management department of IDLC Finance does not focus on risk based financing rather focus on collateral based financing. Due to ensuring customer satisfaction, turnaround time of loan sanction has been reduced and repayment histories of the clients are noticed more compared to cash flow of clients. The greater part of the non-performing advance makes as a result of the impacts of reference gatherings, and political gatherings but the effect of these groups are zero at IDLC Finance that are the main reasons for being the non-performing loan only 2.77 percent in 2017. Credit risk management department are now focusing on SME division to create new entrepreneur and the growth is almost 16.84 percent. Influences of macro and microeconomic factors are always analyzed by the credit risk management department to get information on cash flow and financial performance of clients. Growth of return and equity of IDLC Finance is decreased in 2017 because the institution wants to ensure balancing development all over the country and due to executing that IDLC Finance is providing more attention on increasing branches at different locations. On the contrary, loans growth of IDLC Finance is little less compared to other years because in 2016 IDLC Finance lost some core clients that influenced loans’ growth. The rate of non-performing loan of IDLC Finance can be reduced, if the institution follow risk based financing because it allows analyzing the associated risk of each client and makes able to give loan according to future prospects of clients. On the other hand, IDLC Finance can reduce its rate of interest so that credit risk management can give more loans to its clients and it also helps to reduce its liquid funds. There are 38 branches of IDLC Finance in Bangladesh but it can increase its number of branches to ensure equal development in all sides of Bangladesh.en_US
dc.language.isoen_USen_US
dc.subjectCredit risk management, Non-performing loan, Financial performance, Credit Information Bureau, IDLC Finance Limited.en_US
dc.titleA Study on the Evaluation of Credit Information Bureau under Credit Risk Management Department of IDLC Finance Limiteden_US
dc.typeIntership Reporten_US


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