Category: MBA Projects

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Data Collection Methods in Marketing Research

Introduction to Data Collection Methods in Marketing Research:

According to Sasha Hurrell (2004) the data collection method is one of the important aspect within the entire research methodology process and it plays a major role in estimating the main search related to the research and it will verify the collected data and the comparable analysis through the actual search against the literature. In general there are two types of data collection methods like the primary source of data and the secondary source of data.

 Primary source of data

The primary source of data is one of the important data collection method and it is been established across to the research methodology. The primary data is collected from the actual source of the problem so it is referred as one of the best data collection method when compared with the other data collection methods as well as the other data sources. In the previous discussion it is been mentioned that the primary source of the information is the actual case study approach. In general the primary source of the information is been gathered conducting the interviews, the general discussions, group meeting and the semi structured interview. In the research process the semi structured interviews are used and the required questionnaires are been prearranged and then they are transferred to the individuals who are taking part in the research process in order to make them to understand the actual research problem and to get the required information.

The information which is been gathered from the individuals in the form of their views and ideas are been considered as the primary data source and these information is been analyzed in order to complete the entire research process and to get the expected outcome. The answers and the ideas which are been proposed by the individuals and the participants is more and more efficient, trustworthy and faultless, as a result this data collection method is referred to as the perfect and useful source of data.

 Secondary source of Information

In order to continue the research process the secondary source of the information is required and to compare the actual search and views which is obtained from the primary source of information with the secondary source of information. In general the secondary source of the data is been gathered by making use of the article, journals, book reviews and the websites. The data and the information gathered from secondary source are compared with the actual sources by means of considering the views and ideas of the individuals involved within the research process from the primary source of information then these entire information is been analyzed to get the expected outcome. 

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Research Design Case Study Approach for MBA Students

According to D Vermeulen (2009) the research design is the process of identifying the basic research questions and then changing them into the testing process. There are various types of the research designs but they are implemented and used according to the research problem. In general there are two types of research designs like the fixed research design and the flexible research design. Initially the fixed research design method is been situated before fixing the appropriate data.

This fixed research design is entirely a theory based method, so it not possible to calculate the mathematical variables and the factors which are been resulted in the future aspect. The collected data is fixed and then the authentic methods utilized in the data collection process is been implemented in this specific research design. There are wide varieties of choices that available in the research process. This research process is entirely different from the actual research process and even it is different from the flexible research design. Within the flexible research process the variables which are identified will be varied from the actual statement, so there is a need of flexibility in process of selection of the research variable.

The investigational results are totally based on the approach that is implemented against the flexible research design. In general the research design is been divided into two different types such as the experimental type and the non-experimental types. The experimental research design one of the appropriate process for the projects related to the statistical analysis. For the experimental research design the research sample size is more and the sample size is less for the non-experimental research design. The general observations and the individual activities are been utilized in order to get the results. The experimental research design is one of the best and suitable method for the quantitative research methodology. And for the purpose of the qualitative research methodology the non-experimental research method is the suitable one.

The case study can be considered as the example for the non experimental research design. In this the process the data should be gathered through the single source and the required conclusions are been finished by the common observations, the views and ideas of the particular individual is involved in the case study. 

 Case study chosen

According to Jennifer Rowley (2002) the case study approach is the simple and best method which is been used in order to collect the information or else the data required against the qualitative research methodology. The required solution for the research questions and the research problem can be identified by this case study approach.

The individuals or else the participants who are taking part in the research process are been examined in order to get the answers required to fulfill the research work. The actual aim of the research is been explained to the individuals and their views and ideas on the particular topic are considered and analyzed to get the required idea on the research.  By using these case studies there are various benefits and the most important benefit is that the data which is gathered from these source is the direct data and the information which is been collected is more truthful and reliable. When compared with the other data sources this is the most useful source. In order to solve the research problem the information is been gathered from the case study.

To conduct the research work on a specific topic the person who acts as the researcher must be able to have the minimum knowledge upon the case studies of that particular topic and case studies which are selected for the research should provide the entire required information and even should be able to solve the problems in the research process. By having all these capabilities then this case study approach can be referred to as the best source in order to collect fulfill the primary information which belongs to the qualitative research method.

In general the case studies are differentiated in to many types like the individual case study or the organization case study. The case study is been selected based on the problem within the research process. 

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Research Methodology and Statistical Analysis

The methodology is the system that contains wide range of principles or rules in which the particular methods and procedures are been considered in order to solve the problems that arise within the specific aspect. Similar to the algorithm the methodology is a set of practices.

There are two types of research methods which are been used in order to solve the problems happened within the research process such as quantitative research method and the qualitative research method. The types of the research methodologies are been taken into consideration depending on the different types of factors happened within the research process. The correct and important data is been gathered and the entire research analysis process is been discussed in detail.

 Qualitative research

According to Trochim (2000) in the process of the qualitative research methodology the entire factors which are related to the human activities are taken into consideration. The problems which are been specified by the human activities are been considered within the qualitative research method. This qualitative research method is been used within the educational regulations, the social studies and for the basic problems that take place in the market place. The decision making process will involve different types of critical steps like the way of reaction against the problems happened within the research process. The small volume of contents should be considered than the large volume of contents within the process of data collection from the individuals or participants who are involves the research process. In order to complete the research successfully with an appropriate emotional observations   the typical non numerical data without the significant aspects such as the graphs, charts and the statistical methods are been considered.

 Quantitative research

In general the quantitative research methodology includes the models that are based on the mathematical and theory based approaches. This research method will even involve the statistical analysis and the experimental examination of the specific aspects as well as the internal relationship between the particular quantitative aspects. The important aspects within the quantitative research method are the measurements and the evaluations through which the actual results are been obtained.  This quantitative research method is been used in order to answer the questions such as the what, why and where. This research methodology will involve the concepts of the social sciences like the political science, economics, anthropology and psychology.

By making use of these research methodology the questions such as what, why and where are been answered and in this quantitative research methodology as the major research methodology will include the major social sciences such as political science, economics, anthropology as well as the psychology. In this research method the particular case studies and articles are been considered which are used as the major information sources. By using these resources the general conclusions as well as the hypothesis is been resulted.  By making use of the hypothesis list in the quantitative research method the problems can be rectifies within the research process. The numerical measurements like graphs, charts and the statistical analysis is been utilized in this quantitative research method. By using this method the data which is gathered can be analyzed in the form of the experimental examination and the comparable results are been calculated through the empirical analysis.

The best example for this is that survey conducted might result in the finishing the entire process of the research rather than that of the methodology which is been used in a specific levels. 

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Causes of Failure of Banks MBA Seminar Topic

The lending practices are one of the significant aspects for the failure of the banks. It is been concluded that if these particular lending practices are ended then there is a possibility to reduce the closure rate. The actual reason for the failure is because of the insufficient capitalization as well as lack of the appropriate planning. In order to stand by within the market without any failures and to be successful there is a necessity of initial planning and much more time should be spent to analyze the entire concepts of the business.

On the other hand if the business is started without a proper plan and management this will lead to the failures within that particular company or a bank. As, the banks need an appropriate planning process by considering the lending practices. The bad planning with the bad lending equities leads to the failure of banks. While the investment banks will allot the loan to the companies by verifying the planning documents as well as the financial models of that particular company but in some cases even the documents provided by that company may not be correct and if the banks give priority to the company but not to the documents or guarantees sometimes it may leads to the mismanagement case and will cause the failure of that specific bank.

In other sense most of the banks will not consider their managers as the staff but they will consider as the sales person by offering him a commission amount other than his salary, in order to fulfill the targets allotted to them they give more preference to the customers but not to their standards to get the loan amount.

Some of the banks will have an outlook on the current economy of the borrower and his profile within minutes of time without cross checking their credentials and collateral properties. Hence this thought shows that some of the banks are not having the correct plan and procedure for allotting the loans. 

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MBA Business Seminar Topic on Debt Recovery Tribunals in India

In order to help the banks and the financial institutions in recovering their pending debts and loan amount the government related to those particular countries has implemented some of the debt recovery tribunals in their countries. These debt recovery tribunals are located in each and every location where there is a problem of the non performing assets. And even if there is a problem of non performing assets in some areas there are no debt recovery tribunals, so that particular states should get registered with the authorities of the debt recovery tribunals. Based upon the number of the cases the debt recovery tribunals are been established within the specific locations. In this debt recovery tribunal there is an availability of the presiding officers and he will have all the rights and authorities in order to pass any type of the judicial orders.

These debt recovery tribunals are been ruled by the provisions of recovery debt due to the banks as well as the financial institutions act 1993 which is known as the RDB act. The rules are been outlined and advised under the recovery of debts due to the banks and the financial institutions act 1993.

After passing out the securisation and the reconstruction of the financial assets and the enforcement of the security interests act the customers happened to be the initial applicants prior to the debt recovery tribunal. The debt recovery tribunal is having the entire powers and authorities in order to pass the complete orders in the civil court.

The tribunal is capable of hearing the cross suits, the counter claims as well as it can permit the set offs. But they are not capable of hearing the claims of the damages or else the lack of services and the illegal inattention of the lenders. The debt recovery tribunals are even having different types of principles and ethics while taking the actions on the customers. The banks and the financial institutions can make use of this debt recovery tribunals in order to recover their loans and pending debts. 

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Loan Recovery Process Seminar for MBA Students

The banks should take certain measures in reducing the problem of the Non-performing measure such as conducting recovery camps, the debt recovery, the adjustment of the loan rates, the interest free credits as well as the genuine credit check. Among all these measure the most effective measure which had some what reduced the problem of the Non-performing assets are the debt recovery tribunals as well as the recovery camps which are conducted by the banks.

Recovery Camps held by the banks

The banks and financial institutions should conduct some recovery camps in order to overcome the problem of the non performing assets as well as to recover the pending loans from the borrowers. This recovery camps should in each and every place where there is a problem of the non-performing assets. This recovery camp should be designed with an efficient plan and should include the entire aspects related to the banks and financial institutions. The banks and financial institutions should be able to explain the actual problem of the non performing asset to the customers.

The banks should explain the procedure and steps before and after getting the loans. They should make the customers to clearly understand the problem of the non performing assets in such a way that if they do not pay the loan amount in time, it will affect the economical status of the bank and they cannot even grant the loans to the other customers who are in need and they should understand that if others doesn’t pay the loan amount in time they would have not get the loan amount.

The special type of awareness should be created to the customers so that they should be able to understand the total problem of the non-performing assets. In this camp the banks and the other financial institutions should even specify the acts related to the banks such as the securitization and reconstruction of the financial assets as well as the enforcement of the security interest act 2002. And should mention the principles of the legal actions which are been taken on the customers after getting the alert notice from the banks and the financial institutions. They should even clearly explain the recovery process of their banks and the financial institutions and should mention the actions and activities of the recovery agents which are taken on the customers.

Totally the recovery camps should be capable of creating the efficient awareness to the customers about loan procedure within the banks and financial institutions. 

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Best Topic Seminar MBA on Monitoring Practices and Monitoring Systems

The monitoring practices and monitoring systems process is nothing but the effective recovery management.

Recovery Management

The Indian banks have not considered the recovery of the loans as the serious issue which leads to the reduction of the NPAs-non-performing assets. The banks should notice that the recovery management of the old and the new loans is one of the essential factors of the Non-performing assets management.

This specific management process must be started within the initial stage of the loan it self and the banks should clearly explain this process to the borrowers before allotting the loans. The effective management of the recovery of the NPAs will have two strategies such as the arresting of the defaults and formation of the non-performing asset, while the second one is the handling of the loan delinquencies. 

The individual banks will appoint their own recovery staff in order to process their recovery procedure. The recovery management system is been designed with specific strategies in order to fulfill all the objectives of the banks. By making use of this particular recovery system the banks will be able to recover their pending credits and loans without losing their customers. There are some advantages as well as disadvantages in this recovery process:

Advantages:                           

  • By assigning or allotting the debt or loan recovery process to the outsiders it will allow the officials from the banks to improve or develop more and more effective new businesses
  • Within this recovery process because of the third party involvement will save more and more time and will improve or enhance the chances to recover the due payments and this recovery persons are the specialists in dealing with the typical customers and by using this type of people the banks can usually recollect their pending debts in time
  • The efficient data collection process may save the cost of the legal proceedings

Disadvantages:

  • The debt collection process is cost effective
  • This agency will play the major role in establishing the relationship or communication source between the banks and the customers, if these agents deal in a rude manner with the customers then it may affect the relationship between the banks and the borrowers. So the bank should maintain certain measures and allot some principles to the recovery agents within the process of recovery process.
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Effective Debt Collection Practices MBA Reference Material

The effective collection practices are nothing but a process of recovery of the loan amount from the borrowers. Within the entire loan process period if the borrower is not paying the loan amount in time which means overdue of payments, then the banks are having different types of collection procedures in order to recover their loan amount form the borrower.

The recovery process varies from the bank to bank. Some of the banks will make use of the preliminary acts and authorities on the borrowers by sending them default notices in order to recover their loan amount, whereas some of the banks will use their self acts and norms of their banks such as they will appoint the special recovery agents to recover the allotted amount from the customers.

This is having positive as well as negative impact on the customers as some of the customers will pay their dues if the recovery agents visit their place, but some of the customers will not even consider the actions of the recovery agents, at this particular time the banks should make use of the existing preliminary acts in order to recollect their money from the borrowers. 

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Impact on Non Performing Assets Commercial Banks

Introduction to Impact on Non Performing Assets Commercial Banks:

Public and private sector banks profitability, liquidity and also competitive functioning are been affected by the non performing assets and as a result the psychology of the bankers will also affected by NPAs who are depositing towards the credits as well as in the expansion of credits.

The Non-performing assets Impact on profitability

Commercial banks from the year 1993 to 2001 have been incurring an entire amount of Rs. 31251 crores towards provisioning non performing assets. By incurring this amount the net non performing assets brought up by Rs. 32632 crore or in the other words it 6.2 percent net advances. The huge provision of NPAs combined by grasping cost of those assets of non productive is performed from so many years and has a severe drain on the profitability of PSBs.  In the issues of the nationalized banks regarding equity have been already strikes on the market and in the secondary market are now quoted at the discount. As a substitute this has been forced PSBs to have a loan seriously from the market of debt to built Teir II capital in order to meet rule of the capital adequacy by keeping serious pressure up on the restrictions of their profits (Amaresh Samantaraya, 2007).

The Impact of the Non-performing assets on the outlook of Bankers towards Credit Delivery

In the psychology of the banks in now days is to keep themselves from the risk free operation i.e. zero percentage of risk as well as to go towards the new credit. The credit growth of this type will affect adversely when these growth is compared to the deposits, this will finally result in the low ratio of C/D approximately in between 50% to 54% for the company.

It is obvious that the collateral security presence at the best might change the extension of the credit to productive sectors towards the investments of the real estate, but may not evade the account turning into NPA.  In future the blocked real estate and assets will correspond to the main NPA and illiquid security in this type of proceeds has the continuous inclination towards long period of time. Dead-line is achieved by the nationalized banks of the tunnel as well as their future affluence based up on the critical solution of this suspended threat (Arvind Virmani., 2005).

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The Legal remedies Indian Banks for MBA Students

Through the bank the Legal action is considered as final resort to improve debts. Actually in willful default cases, siphoning of funds and diversion legal actions were the final remedies (Sarat Chandra Dhal, 2003).

DTR (Debt Recovery Tribunals) Establishment in the Debts recovery because of 1993 Financial Institutions Act and the Banks.  Rs. 10 lakhs approaches for recovery and earlier banks can progress DTR. Debt Recovery Appellate Tribunal entertained that except debt at 75% in argument is deposited, no demand over DTR’s instructions is entertained.

Borrowers special investigate audits

The banks of a country must have the power in order to process the special investigation audit of capacity debtors. These debtors are those who drain off funds and make no fraud of banks.  This will be the measure for stream of debtors and improve the repayment methods for loans. These audits are very much useful in debtor’s investigation.

The Bench Marking

The concept of bench marking is very much required in several particular banking sectors. This will work with various parameters. There are different types of bench marking as internal, national and international wide. The practical experiences in private banking sectors will be taken as measures for the banks in people sector. Here the recognition of a bench mark will be of 90 days duration as the NPA is an international bench mark. This has been announced by RBI from March 31, 2004. NPA is an international bench mark which was recognized and prescribed (Mr. P.K. Kaul, 2008).