IDEAS home Printed from https://ideas.repec.org/p/pra/mprapa/59503.html
   My bibliography  Save this paper

Working Capital Management of SriLakshminarayana Cooperative Urban Bank Ltd.,Tiruvarur

Author

Listed:
  • Nagarajapillai, Ramu

Abstract

In fact, under the new competitive pressures in Urban Cooperative Banks (UCBs) to enhance their overall efficiency pose serious challenges. Since the operational efficiency of the UCB is crucial in ensuring adequate and timely flow of credit to urban and semi-urban people for diverse purposes, intensive observation on their performance deserves serious consideration. In this context, present study examined management of resources of the Sri Lakshminarayana Cooperative Urban Bank Ltd. (SLNCUB), Tiruvarur. The study revealed that the deposits (86.26%) was the major sources of resources of SLNCUB. The share of fixed deposits in the total deposits was 83.12%. This bank do not depend on borrowings for mobilizing resources. The accumulated reserves are 3.39 times of the share capital and increasing trend of membership during the study period. Working capital of the bank, has shown on an average growth rate of 11.66% under the study period. The study suggests strengthening share capital base and offering new product such as insurance linked savings bank account. Besides this, the study urged for reducing the share of high cost deposits in the total deposits and concentrate more on low cost deposits. The repeal of individual ceiling for collection of share capital from members at the time of borrowings is warranted.

Suggested Citation

  • Nagarajapillai, Ramu, 2007. "Working Capital Management of SriLakshminarayana Cooperative Urban Bank Ltd.,Tiruvarur," MPRA Paper 59503, University Library of Munich, Germany, revised May 2007.
    • Handle: RePEc:pra:mprapa:59503
    as

    Download full text from publisher

    File URL: https://mpra.ub.uni-muenchen.de/59503/1/MPRA_paper_59503.pdf
    File Function: original version
    Download Restriction: no
    ---><---

    More about this item

    Keywords

    Urban Cooperative Bank; Deposit; Insurance; Operational Efficiency;
    All these keywords.

    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages

    Statistics

    Access and download statistics

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:pra:mprapa:59503. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    We have no bibliographic references for this item. You can help adding them by using this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: Joachim Winter (email available below). General contact details of provider: https://edirc.repec.org/data/vfmunde.html .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.