Please use this identifier to cite or link to this item: http://hdl.handle.net/10603/176508
Title: Personal debt management a study related to urban households debt servicing burden
Researcher: Bhatia, Ruchi
Guide(s): Verma, Jayender
Keywords: Debt Management
Urban Households
University: Manav Rachna International University
Completed Date: 2015
Abstract: A LOAN MAY BE BORROWED TO BUY A HOME, BUY A CAR, PAY THE FEE FOR HIGHER EDUCATION, PAY OFF PREVIOUS LOAN/S OR MAY BE TO FINANCE A WEDDING AND SO ON. OFTEN THERE ARE INDIVIDUALS/ HOUSEHOLDS WHO AT TIMES FAIL TO MEET THE PAYMENT DEADLINES ON THEIR DEBTS AND THEREFORE HAVE TO BEAR THE BRUNT OF PENALTIES IMPOSED ON THEM BY THEIR RESPECTIVE LENDERS. THE STUDY WAS CONDUCTED WITH AN AIM TO FULFILL THE FOLLOWING OBJECTIVES: TO ANALYZE THE VARIOUS FACTORS DUE TO WHICH INDIVIDUALS CHOOSE TO BE INDEBTED, TO ANALYZE THE VARIOUS REASONS DUE TO WHICH BORROWERS DEFAULT IN REPAYING THEIR DEBT, TO FIND WHETHER THERE EXISTS ANY DIFFERENCE BETWEEN THE ESTIMATED COST OF BORROWING AND THE ACTUAL COST PAID BY THE BORROWERS AND TO CONSTRUCT A MODEL FOR BORROWERS THAT MAY HELP THEM IN JUDGING THEIR REPAYING CAPACITY. newlineTHE DESIGN OF THE RESEARCH IS BOTH EXPLORATORY AND DESCRIPTIVE. FOR THE PURPOSE OF THE RESEARCH, HOME LOANS, VEHICLE LOANS, EDUCATION LOANS, PERSONAL LOANS AND CREDIT CARDS WERE TAKEN INTO PERUSAL. THE STUDY MADE USE OF INFORMATION COLLECTED FROM PRIMARY AS WELL AS SECONDARY DATA SOURCES. THE RESEARCHER RESORTED TO A CHOICE-BASED OR CONVENIENT SAMPLING APPROACH FOR SELECTING THE RESPONDENTS FOR THIS SURVEY. newline newline
URI: http://hdl.handle.net/10603/176508
Appears in Departments:Department of Humanities and Management

Files in This Item:
File Description SizeFormat 
01_title.pdfAttached File78.33 kBAdobe PDFView/Open
02_certificates.pdf133.45 kBAdobe PDFView/Open
03_acknowledgements.pdf6.24 kBAdobe PDFView/Open
04_contents.pdf92.72 kBAdobe PDFView/Open
05_abstract.pdf71.7 kBAdobe PDFView/Open
06_list_of_tables_figures.pdf94.44 kBAdobe PDFView/Open
07_chapter_1.pdf310.16 kBAdobe PDFView/Open
08_chapter_2.pdf300.3 kBAdobe PDFView/Open
09_chapter_3.pdf211.27 kBAdobe PDFView/Open
10_chapter_4.pdf456.97 kBAdobe PDFView/Open
11_chapter_5.pdf824.88 kBAdobe PDFView/Open
12_chapter_6.pdf160.47 kBAdobe PDFView/Open
13_chapter_7.pdf158.46 kBAdobe PDFView/Open
14_references.pdf107.6 kBAdobe PDFView/Open


Items in Shodhganga are protected by copyright, with all rights reserved, unless otherwise indicated.