We apologize for a recent technical issue with our email system, which temporarily affected account activations. Accounts have now been activated. Authors may proceed with paper submissions. PhDFocusTM
CFP last date
20 December 2024
Call for Paper
January Edition
IJCA solicits high quality original research papers for the upcoming January edition of the journal. The last date of research paper submission is 20 December 2024

Submit your paper
Know more
The week's pick
Responsive image
Improved Shuffled Frog Leaping Algorithm with Self-Adaptive Shuffling for Fuzzy Logic PD+G Controller Optimization in Robotic Manipulators

Duc Hoang Nguyen
Random Articles
Reseach Article

Smart Loan Generation System for Small and Medium Financial Enterprises

by Pranjal Chikhaliker, Suvarna Patil, Shubham Jaiswal, Dhanashree Patil, Neeta Chavan
journal cover thumbnail

International Journal of Computer Applications
Foundation of Computer Science (FCS), NY, USA
Volume 174 - Number 25
Year of Publication: 2021
Authors: Pranjal Chikhaliker, Suvarna Patil, Shubham Jaiswal, Dhanashree Patil, Neeta Chavan
10.5120/ijca2021921166

Pranjal Chikhaliker, Suvarna Patil, Shubham Jaiswal, Dhanashree Patil, Neeta Chavan . Smart Loan Generation System for Small and Medium Financial Enterprises. International Journal of Computer Applications. 174, 25 ( Mar 2021), 34-37. DOI=10.5120/ijca2021921166

@article{ 10.5120/ijca2021921166,
author = { Pranjal Chikhaliker, Suvarna Patil, Shubham Jaiswal, Dhanashree Patil, Neeta Chavan },
title = { Smart Loan Generation System for Small and Medium Financial Enterprises },
journal = { International Journal of Computer Applications },
issue_date = { Mar 2021 },
volume = { 174 },
number = { 25 },
month = { Mar },
year = { 2021 },
issn = { 0975-8887 },
pages = { 34-37 },
numpages = {9},
url = { https://ijcaonline.org/archives/volume174/number25/31831-2021921166/ },
doi = { 10.5120/ijca2021921166 },
publisher = {Foundation of Computer Science (FCS), NY, USA},
address = {New York, USA}
}
%0 Journal Article
%1 2024-02-07T00:23:04.551720+05:30
%A Pranjal Chikhaliker
%A Suvarna Patil
%A Shubham Jaiswal
%A Dhanashree Patil
%A Neeta Chavan
%T Smart Loan Generation System for Small and Medium Financial Enterprises
%J International Journal of Computer Applications
%@ 0975-8887
%V 174
%N 25
%P 34-37
%D 2021
%I Foundation of Computer Science (FCS), NY, USA
Abstract

In the socio-economic development field, the Indian banking sectors play an important role through its pioneering as well as conventional services in the current period with innovative models in banking payments and small financing sectors. The paper focuses on the following question, “what factors would lead the customer to apply for a bank loan?”. Four constituents namely human capital, business strategy, firm and information asymmetry underlie the theoretical framework of this study. The main purpose of the project is to develop a system model based on bank loan for its applicability.

References
  1. Yu, S., 2017, May. Design and Implementation of Internet Financing Platform for Rural SMEs. In 2017 International Conference on Smart Grid and Electrical Automation (ICSGEA) (pp. 668-671). IEEE.
  2. Chirag Rathod, ChiragRanpura, Chirag Patel, 2016. Star Small and Medium Banking and Finance, pp.210-216.
  3. Le, N.T. and Nguyen, T.V., 2009. The impact of networking on bank financing: The case of small and medium–sized enterprises in Vietnam. Entrepreneurship theory and practice, 33(4), pp.867-887
  4. Klapper, L., 2005. The role of factoring for financing small and medium enterprises. The World Bank.
  5. Abe, M., Troilo, M. and Batsaikhan, O., 2015. Financing small and medium enterprises in Asia and the Pacific. Journal of Entrepreneurship and Public Policy.
  6. Sajić, M., Bundalo, D., Bundalo, Z. and Pašalić, D., 2017, November. Digital technologies in transformation of classical retail bank into digital bank. In 2017 25th Telecommunication Forum (TELFOR) (pp. 1-4). IEEE. Brown, L. D., Hua, H., and Gao, C. 2003.
  7. Lee, M.C., 2009. Factors influencing the adoption of internet banking: An integration of TAM and TPB with perceived risk and perceived benefit. Electronic commerce research and applications, 8(3), pp.130-141.
  8. Maina, E.W., 2014. Small and Medium Sized Enterprises Access To Finance as A Growth Constraint Case Study: Chase Bank’s Asset Financing
  9. Mondal, P.C., Deb, R. and Huda, M.N., 2016, December. Know your customer (KYC) based authentication method for financial services through the internet. In 2016 19th International Conference on Computer and Information Technology (ICCIT) (pp. 535-540). IEEE.
  10. Council, F.F.I.E., 2005. Authentication in an internet banking environment. FFIEC agencies (August 2001 Guidance).
  11. Aithal, P.S., 2016. A review on advanced security solutions in online banking models. International Journal of Scientific Research and Modern Education (IJSRME), 1, pp.421-429.
  12. Hsieh, W.B. and Leu, J.S., 2011, July. Design of a time and location based One-Time Password authentication scheme. In 2011 7th international wireless communications and mobile computing conference (pp. 201-206). IEEE.
Index Terms

Computer Science
Information Sciences

Keywords

Banking Loan Bank loan model Socio economic development

Powered by PhDFocusTM