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Education loan and non-performing assets: banker'S perspectives Kumar S Sajith* *Project Fellow & Research Scholar, Department of Applied Economics, Kannur University Thalassery Campus, Palayad, Kerala. India. Email id: ssaji05@gmail.com Online published on 9 February, 2018. Abstract Bank managers act as an intermediary and linkage between banks and the students and play a crucial role in delivering the service of education loan. Therefore the study tries to analyse the perspective of manages in sanctioning, recollecting and controlling the problem of NPAs associated with education loan. The major objective of the study is to analyse the perspective of bank managers towards the education loan, and to identify the common reasons and its solutions education loan NPAs. The problem of NPAs in the banking system is one of the primary and the most difficult problems that had an impact on the entire economy. Higher NPAs ratio causes poor recycling of funds, which in turn will have a deleterious effect on the deployment of credit for all other sections. The non-recovery of loans affects not only the further availability of credit but also financial soundness of the banks. Performance linked finance to students, strict qualification criteria for Education Loan, criteria to rank/evaluate the performance of education institutions and specialized branches for Education Loan are the major suggestions recommended by bank managers to make education loan scheme more effective. The problem of Non-Performing Assets in education loan is a serious matter of concern for both public sector and private sector banks in the state and for the whole country. Since it is, a sensitive issue solving the problem requires a combined effort from all the relevant sectors: the banks, Governments, higher education institutions and general public-especially from students and borrowers. The study therefore attempts to make policy implications on the part of banks, Govt. and the Public. Top Keywords Education, Bank, Government, Public & Non-performing Assets. Top | |
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