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Tractor & Rural Finance
An empirical analysis of gold jewellery lending across Indian banks, examining balance-sheet behaviour, renewal patterns, exposure duration, and why loan closure matters more than delinquency in assessing risk.
Tractor & Rural Finance
Gold jewellery loans in India show consistently low NPAs, but that does not equate to low risk. This empirical analysis demonstrates that risk in gold lending manifests through renewal behaviour and exposure duration, not delinquency. Using bank and jeweller archetypes, the article shows why loan…
Tractor & Rural Finance
Jewellery businesses are often misclassified because retailers, manufacturers, and job-workers are treated as one. This episode explains how jewellery archetypes differ in gold ownership, risk, inventory, and working-capital needs—and why misclassification leads to credit stress in jewellery lend…
Tractor & Rural Finance
The RBI’s revised co-lending guidelines, while aimed at strengthening transparency and risk sharing, have inadvertently dealt a blow to the lesser-used but strategically vital Model 2 structure. By mandating a minimum 10% on-book retention and a 5% first-loss guarantee from originating lenders, t…
Tractor & Rural Finance
When a man in crisp whites, a red-beacon car, and bureaucratic polish walks into a village, suspicion doesn’t rise — respect does. In this episode, we unravel how looking like authority is often more powerful than being one. From Tamil Nadu’s fake Collector to global impersonators, we explore why…
Tractor & Rural Finance
An elderly woman in North Chennai opens her door to a man in uniform — calm, courteous, clipboard in hand. He looked official. He sounded official. But what followed was a quiet theft that left behind no signs… except a lingering question: Why did I believe him? This is the beginning of our journ…
Tractor & Rural Finance
Originally Written on Jun 21, 2018 "Vivek ! we are in the business of secured funding" announced a classmate of mine who worked for a...
Tractor & Rural Finance
Written Originally on Jan 7, 2018 One of the most fascinating aspects of the tractor is the way in which power gets transmitted...
Tractor & Rural Finance
Originally written on Nov 16, 2017 Practically every retail finance company out there is carving out “exclusivity” image which signifies...
Tractor & Rural Finance
Written Originally on June 12, 2017 “ What is Risk ? Can you define it for me ? “ was the question asked by a highly experienced...
Tractor & Rural Finance
Originally written on May 21, 2017 During one of our tea session discussions, one of my team mates asked " We have multiple functions...
Tractor & Rural Finance
Originally written on May 27, 2017 Questions that are frequently asked, with specific regard to Audit / Internal Check / Hindsighting -...
Tractor & Rural Finance
Originally written on May 1, 2017 Scene was a Board Room, and a new person inducted into the senior management was being introduced. His...
Tractor & Rural Finance
Originally Written on May 9, 2017 One of the first aspects I was taught to look at in a Tractor, was ........... Guess what - Not Engine,...
Tractor & Rural Finance
Originally written on April 16, 2017 I sat dazed after one of my training sessions. An enthusiast in class had asked me question, " Are...
Tractor & Rural Finance
Originally Written on April 1, 2017 - Reproduced as is, and may represent some facts relevant to those times. Yet the concepts are still...
Tractor & Rural Finance
Used Tractor valuation has always been a challenge. The attempt is constantly to metricize, templatize and simplify the valuation process. They buyer and seller need to conclusively arrive at a value. Today, majority of…
Tractor & Rural Finance
A recent chance meeting at an Agri University, led a group of us discussing very broadly on the systems orientation / adapting of an algorithm based approach in Agri Business Management. It was very interesting to note…
Tractor & Rural Finance
“Navarathri” is one of most fertile marketing and sales period for Tractors and Farm Equipments in the country. In tamilnadu, we celebrate this period through “Golu”, exhibition of dolls and toy models depicting real…
Tractor & Rural Finance
It was a frenzied Monday morning, towards the month end. As I quickly ran through the figures. So what is surprising here ? The average usance / work based growth is about 5-6%, and a stretch to about 8%. So…
Tractor & Rural Finance
THUREEYA / SAHASRAHARA - The overview / Big Picture " The Brain " One of the main challenges in the assessment methodology is – Dissection / eliciting information with the big picture in mind. To understand this better,…
Tractor & Rural Finance
AGNA - Awareness / Red Flags " The Intuition" Facial expressions and show of emotions are by far the best indicators of intentions. Many a time these are quick, short or even subtle. Yet the trained eye is able to…
Tractor & Rural Finance
A question was posed by a fellow mate from the same finance industry, about the practicality of detecting frauds. He explained himself with an example. A customer was assessed by them, and found fit to be financed.…
Tractor & Rural Finance
Continued from Part 1.... ANAHADHA - Information Eliciting " The Immunity System" Information about the Customer builds better health in the Customer - Financier Relationship. Ultimately, irrespective of use, the…