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Khanwalker, Sandeep M.
- Education Loan in India–A Review
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Authors
Affiliations
1 School of Management, IMS Unison University, Dehradun, Uttarakhand, IN
1 School of Management, IMS Unison University, Dehradun, Uttarakhand, IN
Source
International Journal of Banking, Risk and Insurance, Vol 7, No 1 (2019), Pagination: 48-55Abstract
Education is one of the primary area which the Govt. of India identified as a Priority sector segment for Banks to finance. Accordingly, Education loan scheme was formulated and propagated and Public sector, private sector Banks and other Financial Institutions made concentrated financing in this category in the last decade. However, it has been observed that in the recent past there is a surge in Non-performing loans of this segment (education loan) granted by the Banks / FIs. The present paper analyses reasons of high default and suggests some steps for Banks & FIs to obviate such slippages.Keywords
Education Loan, Irregular loan, Non-Performing Loans, Indian Banks Association (IBA).
References
- Financial daily --Business Standard, March 30, 2018.
- Financial daily -- Business Today, December 24, 2017.
- Financial daily -- Financial Express, January 23, 2018.
- Financial daily -- Times of India, December 23, 2017.
- Chakrabarty, K. C. (2011, June 17). Deputy Governor, RBI at ASSOCHAM’s National Banking Conclave, New Delhi.
- Patel, A., & Bhandari, K. (2017). A study on efficacy of education loan from students’ perspective.
- A Pragmatic Study of Bankers’ Life in India, after Retirement
Abstract Views :156 |
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Authors
Affiliations
1 School of Management Studies, IMS Unison University, Dehradun, Uttarakhand, IN
1 School of Management Studies, IMS Unison University, Dehradun, Uttarakhand, IN
Source
International Journal of Banking, Risk and Insurance, Vol 9, No 1 (2021), Pagination: 39-50Abstract
In India, banking jobs are one of the most stressful occupations. While working in stressful conditions, and bearing responsibility and accountability, bank officers lead a full life during their years on the job. However, on attaining the age of superannuation, their life changes drastically. The present study analyses how the life of bank officers changes after retirement, and how they use their knowledge and experience of the financial world in making worthwhile contributions to the banking sector and the Indian economy. The study is conducted on retired public sector bank officers in India. The retired bank officers, from junior officer cadre to senior grades, from different public sector banks across the country were invited to respond to a structured questionnaire. Convenience sampling was used for selection of the respondents and the response of around 150 retired bank officers was received. On analysis of the data, it has been observed that though there are ample job opportunities after retirement, bank officers do not wish to be employed gainfully. It has been suggested that retired bank officers should contribute towards making the public financially literate.Keywords
Public Sector Banks, Retirement, Voluntary Retirement, Retirement Planning, Post-Retirement Engagements.References
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- Byles, J., Tavener, M., & Robinson, I. (2013). Transforming retirement: New definitions of life after work. Journal of Women & Aging, 25(1), 24-44.
- Dingemans, E., Henkens, K., & Solinge, H. V. (2016). Access to bridge employment: Who finds and who does not find work after retirement? The Gerontologist, 56(4), 630-640.
- Dosman, D., Fast, J., Chapman, S. A., & Keating, N. (2006). Retirement and productive activity in later life. Journal of Family and Economic Issues, 27(3), 401-419.
- Gobeski, K. T., & Beehr, T. A. (2009). How retirees work: Predictors of different types of bridge employment. Journal of Organizational Behavior, 30, 401-425.
- Kamal, R., & Sengupta, D. (2008-2009). A study of job satisfaction of bank officers. Prajnan, 37(3), 229-245..
- Monk, A. B. R. A. H. A. M. (1990). Handbook of gerontological services (pp. 400-419).
- Rao, B. K. S., & Prasad, G. (2006). Voluntary retirement scheme impact on banking sector banking sector and human resources. Changing Scenario, 92.
- Shultz, K. S. (2003). Bridge employment: Work after retirement. In G. A. Adams and T. A. Beehr (Eds.), Retirement: Reasons, Processes, and Results (pp. 214-241). New York: Springer.
- Taylor, M. A., Goldberg, C. B., Shore, L. M., & Lipka, P. (2013). The effects of retirement expectations and social support on post-retirement adjustment: A longitudinal analysis. Journal of Managerial Psychology, 23(4), 458-470.