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@article{203438,
        author = {Kavya and Mrs. Rekha Shetty},
        title = {A Study on Loan Management and Factors Affecting Repayment Performance in Souharda Cooperative Societies},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {12},
        pages = {11590-11595},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=203438},
        abstract = {Souharda Cooperative Societies play an important role in providing financial assistance through various non-agricultural loans such as business, vehicle, housing, gold, and personal loans. Effective loan management is essential for maintaining financial stability and reducing the risk of loan defaults. The present study focuses on the loan management practices adopted by Souharda Cooperative Societies and the factors affecting repayment performance of borrowers. The study is based on both primary and secondary data collected through questionnaires, journals, annual reports, and previous studies. The findings reveal that proper sanctioning procedures, borrower appraisal, documentation, guarantor systems, monitoring, and recovery mechanisms help improve repayment discipline and reduce default risk. The study also identifies factors such as low income, business losses, high interest rates, family responsibilities, medical emergencies, and poor financial planning as major causes of repayment difficulties among borrowers. Further, the Chi-Square test indicates that there is no statistically significant relationship between income level and repayment frequency. The study concludes that effective loan management practices and borrower financial awareness are essential for improving repayment performance and ensuring financial sustainability in Souharda Cooperative Societies.},
        keywords = {Loan Management, Repayment Performance, Souharda Cooperative Societies, Financial Stability},
        month = {May},
        }