SMART JOURNAL OF BUSINESS MANAGEMENT STUDIES VOL. 9 NO. 1 PAPER 4
 
REPAYMENT PERFORMANCE AND THE ATTITUDE OF BORROWERS TOWARDS COOPERATIVE SECTOR
 
V. Darling Selvi
Assistant Professor of Commerce, Rani Anna Government College for Women, Tirunelveli, Tamil Nadu, India
 
A co-operative bank is a financial entity which belongs to its members, who are at the same time the owners and the customers of their bank. The co-operatives in Kanyakumari District play a vital role in the credit scene, particularly, in rural areas. The present paper is an attempt to bring out the borrowings and repayment performance of beneficiaries of cooperative banks in the District and to study the inherent factors behind the causes which lead to default through the attitude of the 100 sample beneficiaries. The study revealed that though the sample respondents displayed attitude regarding the formalities laid down by the co-operatives, they often found it positive difficult to repay the amount due to the farm and non-farm sector failures. It is suggested from the study that through effective recovery measures, marketing strategy and professionalism, the co-operatives can get rid of the default and to proceed towards success by competing with other commercial banks.
 
KEYWORDS: Repayment, Attitude, Borrowings, Cooperative JEL CLASSIFICATIONS: P13, Q13 FULL TEXT