| Loan and management are both of important words in financial institutions.Every bank and financial institutions should well manage the loan,which has been long term,medium term and short term.There are two parties,one is loan taker and other is loan provider,Loan provider take more risk than loan taker because of banks collection the deposit from their customers for the certain period and certain interest rate.And other hand,management means the arts of manager's,and set of skills.Every organization can get success within well management and combination of skills.Main purpose of a bank is taking risk and getting more profit from investment.Banks provide the loan on the basis of evaluation of his / her collateral or any kind of guaranties.Nowadays,most people use banking facilities because of safety,guarantee,easy and time saving.Banks and financial institutions can establish under their governments' rules and regulation.Every banks deal with the money,without money bank can't their transaction on timely,properly and impossible.When a bank investment,its make loan.Loan management and recover are one another related work in the financial institutions.Bank invest their loan their customers as a businessman,clients and other institutions.Bank can provide loan based on their sector wise purpose like agricultural loan,hire purchase loan,home loan,educational loan,consumer loan,industrial loan and fixe loan.Every kinds of loan provides as a certain period and certain interest rate with guaranties but it recollection has more difficult and more risk because of various reason.In this research,in the period of research we can see the loan management and recovery process of Agriculture Development Bank Limited(ADBL)Dharan Branch Nepal,which bank is located in eastern region of Nepal.According to the five years(2013/2014 to 2017/2018)financial report,I want to research how is going banking transaction of the based on banks' purpose? What is the condition of loan investment and recollection? What are the interest income and interest expenses? And how about forecasting? All these are based on the financial report of Agricultural Development Bank Limited(ADBL)Dharan branch.For the complete this research,here I use certain methods to achieve accurate result.In a research,there are Introduction and background of an organization,problem statement and design,data presentation and analysis and in the last,findings and recommendation.To find out the result,I use some necessary tools for data analysis.Such as Statistical tools,Financial tools also Forecasting analysis.This topic is more meaningful and important.If the loan management decision isn't good,organization can't be their performance well and to bear more uncertainty.Right time right decision gives right profit for the financial institutions.Loan collection and loan provide is the basic work of every bank.Every bank can't get success without well loan management skill s,because of market competition,customers care and mobilization their fund regularly.Lastly,according to the result of research,researcher can say some suggestions for the future improvement and well decision making process. |
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