TY  - JOUR
T1  - Why Unsecured Loan Having High Loan Delinquency
AU - Kumar Tiwari, Kapil AU - Somani, Rashmi 
JO  - International Business Management
VL  - 15
IS  - 6
SP  - 262
EP  - 268
PY  - 2021
DA  - 2001/08/19
SN  - 1993-5250
DO  - ibm.2021.262.268
UR  - https://makhillpublications.co/view-article.php?doi=ibm.2021.262.268
KW  - Unsecured loan
KW  -NPA
KW  -loan default
KW  -loan delinquency
KW  -personal loan
KW  -COVID-19
AB  - The paper focuses on Unsecured loan
especially personal loan. A personal loan is a kind of
credit borrowed either from a banking institution or
Non-banking institution for private utility; it enables the
person to buy essential goods or services to sustain a
livelihood. This research also highlights the Personal
Loan Disbursement Portfolio of banks in Bhopal. To
analyze the trend and challenges of defaults or NPA of
unsecured loans. Presently, banking and financial
institution’s overabundance facilitates a variety of loans
like a car loan, home loan, personal loan, mortgage loan
and agriculture loan. To attract or influence the
customers, the banking providing several tactics to
connect with their banking facilities like easy payment
services, low-interest rate, rapid availability of loans, less
paperwork, etc. Enhance the chances of NPA and
defaulter cases. Moreover, the paper keenly and
comprehensively analyzes the issues and measures to
reduce defaults the defaulter by conducting a
questionnaire survey method and demonstrating the
consequences that can help overcome the defaulting,
strengthening the market’s feasibility.
ER  -