DR. SHAILESH RASOTGI

Title:Lending to SMEs: Indian Banker’s PerspectiveYear: 2020
Authors: Akanksha Goel, Shailesh Rastogi Journal: International Journal of Business and Globalisation Publication date: 2020 Publisher: Inderscience Publishers URL: click here Abstract Credit officers act as a pivot in the loan decision-making process, which is greatly affected by their assessment. The objective of this research is to examine the lending decision criteria of bankers. To attain this objective, qualitative methodology has been adopted for this research. In-depth interviews of twelve credit officers were undertaken. For the analysis, thematic approach was adopted. Three main themes emerged from the thematic analysis. The first theme relates the complimentary existence of transactional and relationship lending. The second theme discloses the information sought by lenders under transactional lending approach. The third and major theme of this research (which emerged from this study) is the identification of data affecting the subjective decisions of credit officers. Investigation revealed that, while taking loan decisions, credit officers place emphasis on borrowers certain characteristics such as his/her political background, egotism, business skills, age, experience and previous defaults. The findings of this study provide a new understanding of the factors that are perceived by lenders while evaluating a loan applicant. This is the first study reporting the factors that affect the subjective judgements of credit officers.

Title:Lending to SMEs: Indian Banker’s PerspectiveYear: 2020

Authors: Akanksha Goel, Shailesh Rastogi
Journal: International Journal of Business and Globalisation
Publication date: 2020
Publisher: Inderscience Publishers
URL: click here

Abstract

Credit officers act as a pivot in the loan decision-making process, which is greatly affected by their assessment. The objective of this research is to examine the lending decision criteria of bankers. To attain this objective, qualitative methodology has been adopted for this research. In-depth interviews of twelve credit officers were undertaken. For the analysis, thematic approach was adopted. Three main themes emerged from the thematic analysis. The first theme relates the complimentary existence of transactional and relationship lending. The second theme discloses the information sought by lenders under transactional lending approach. The third and major theme of this research (which emerged from this study) is the identification of data affecting the subjective decisions of credit officers. Investigation revealed that, while taking loan decisions, credit officers place emphasis on borrowers certain characteristics such as his/her political background, egotism, business skills, age, experience and previous defaults. The findings of this study provide a new understanding of the factors that are perceived by lenders while evaluating a loan applicant. This is the first study reporting the factors that affect the subjective judgements of credit officers.

Name	Designation
Mr. Anand Singh	Administrative Officer
Ms. Jagriti Partho Goswami	Office Superintendent
Mr. Prasanna Pendke	Sr. Supervisor
Mr. Amit Marathe	Sr. Supervisor
Mr. Prakash D Karkar	Supervisor
Mr. Amit Shinde	Supervisor
Ms. Supriya Rahalkar	Supervisor
Ms. Poorva Zende	Sr. Coordinator
Mr. Yogesh S. Mane	Sr. Coordinator
Ms. Rucha Desai	Sr. Coordinator
Ms. Roma Kale	Sr. Coordinator
Ms. Deepti Gokhale	Sr. Coordinator
Mr. Gautam S. Mane	Coordinator
Ms. Margaret Dsouza	Coordinator
Mr. Prasad Bonde	Coordinator
Ms. Anuja Joshi	Coordinator
Mr. Pradeep Chaveria	Coordinator
Mr. Rohit Rane	Assistant Coordinator
Ms. Shilpa Ravalallu	P.A.to Director
Mr. Abhishek Kudale	Office Assistant
Mr. Rajesh Bagewadi	Network Engineer
Ms. Saee H. Gokhale	Sr .Lab Instructor
Mr. Nilesh S Kadam	Sr. Lab Assistant
Ms. Shital Balkawade	Accounts Assistant
Mr. Sumit Bhoinkar	Accountant
Mr. Avadhoot Joshi	Accountant
Mr. Ankush Kolhe	Office Attendant
Mr. Mukesh Thopate	Office Attendant
Mr. Ashok Mankar	Office Attendant
Mr. Puran Walmiki	Sr. Office Attendant
Mr. Kailash Shinde	Sr. Office Attendant
Mr. Vasant Shitole	Sr. Office Attendant
Mr. Yogesh Nevrekar	Sr. Office Attendant
Mr. Sanjay Takle	Sr. Office Attendant
Mr. Vishal Kadam	Driver cum Office Attendant