TY  - JOUR
T1  - Borrowing Behavior of Retail Customers in Indian Bank-An Analysis
AU - Sumathisri, B. AU - Gayathri, G.R. 
JO  - International Business Management
VL  - 11
IS  - 11
SP  - 1728
EP  - 1736
PY  - 2017
DA  - 2001/08/19
SN  - 1993-5250
DO  - ibm.2017.1728.1736
UR  - https://makhillpublications.co/view-article.php?doi=ibm.2017.1728.1736
KW  - Creditworthiness
KW  -borrower’s behavior
KW  -satisfaction level
KW  -equated monthly installment
KW  -trustworthiness
KW  -non-banking asset
KW  -micro finance
AB  - Commercial banks extend financial assistance or the credit facilities in different ways. Although, all
credit facilities are basically a loan, different methods of financing are adopted depending upon the period of
finance, purpose of finance, Quantum of balance, etc. In this context, the study was undertaken to analyze the
retail borrower’s behavior in Indian bank. The objectives were analyzed with the help of primary data and tools
like correlation, regression and factor analysis have been explored to interpret the data. The study concludes
that by enhancing and developing Indian bank on the basis of facilities and proper loan sanctioning system
will enable retail borrowers to pay their dues on time. The said objectives were analyzed with the help of primary
data which was collected from 160 respondents who have availed the various loans from the Indian bank. The
data were limited at micro level. The regression model has no significant prediction for the dependent variable.
It has been inferred from the study that the overall satisfaction level of the Indian bank was conferred an
attitude of bank employee’s mode of payment towards loan and qualify amount which were highly appreciable
among the borrowers.
ER  -