Indian Journal of Public Health Research & Development
Year : 2018, Volume : 9, Issue : 12
First page : ( 1957) Last page : ( 1962)
Print ISSN : 0976-0245. Online ISSN : 0976-5506.
Article DOI : 10.5958/0976-5506.2018.02276.3

An Analysis of the Potentiality (Loan Repayment Capacity) of Unorganised Sector Employees on the basis of Ratio Analysis Related to their Disposable and Discretionary Income

Mittal Sharad

Research Scholar, SGT University, Gurgaon

Online published on 2 February, 2019.

Abstract

The purpose of this study is twofold: 1. to ascertain the potentiality of the unorganised sector employees for the repayment of the EMI of housing loan. 2. to calculate the disposable and discretionary income of the unorganised sector employees. The current paper studies the infuence of various factors related to household monthly expenses on the discretionary income. The study was conducted on the unorganised sector employees working in NCR, Delhi. MHFIs face problems while deciding the potentiality of the unorganised sector employees for the repayment of the EMI of housing loan. The present study focus on the issue faced by MHFIs and attempted to solve it by proposing most logical and pragmatic solutions of ascertaining the potentiality of the unorganised sector employees for the repayment of the EMI of housing loan. This study is helpful for both the MHFIs and the unorganised sector employees also. Ratio analysis was used for ascertaining the potentiality on the basis of disposable and discretionary income of the unorganised sector employees.

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Keywords

Micro housing inance, otentiality, unorganised sector employees, disposable and discretionary income.

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