Sectoral Distribution of Credit of Caldron Saving and Credit Co-Operative Limited and its Payment Scenario

Abstract

This thesis entitled "Sectoral Distribution of Credit of Caldron Saving and Credit Co-operative Limited and its Payment Scenario" identifies and analyzes various aspects related to Caldron Saving and Credit Cooperative Limited, particularly its loan distribution and and status of payment by its members. This thesis attempts to analyze the repayment capacity of loan borrowers in various sectors and their impact on their household economy using primary secondary data. The methodology used in this research work is inductive as well as deductive whereas mathematical tools such as mean, percentage, average and correlation were used during study. The findings of the study show that cooperatives cooperatives can play a vital role for economic empowerment of people in Nepal. In essence, cooperatives have contributed to social inclusion and judicious distribution of benefits and opportunities among members of the community. After involvement in Caldron, members are found to have improved their economic, housing, business, educational conditions. Still, cooperatives in Nepalese context face various problems such as political interference, lack of specific policy, unscientific planning, controlling and budgeting system, lack of technical knowledge, lack of adequate infrastructure at the grass root level, lack of economic viability, restrictive and rigid cooperative law, inability to withstand competition with financial institutions and issues related to supervisory and regulatory matters