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Questionnaire

Dear respondent,
I jitendra arora pursuing master of business administration (MBA) from Medicaps Institute of
Technology and Management, Indore (M.P). As a part of my course I need to submit a research
project. My research project is based on Impact of celebrity endorsement on customers brand
preference for personal care products. Personal care products includes: soaps, deodorants, lipsticks,
lotions, perfumes, shampoo, conditioner, talcum powder, skin care, shaving cream, toothpaste etc.
Please cooperate with me in this survey by giving your responses; your views will be used only for
purpose of academic research.

Section 1 : Demographic profile:
Name: ______________________________
Gender: a) Male ( ) b) female ( )
Age:________________________________
Branch Name_________________________
City:___________________

Section 2: questions

Q 1What is the percentage (%) of NPA in your particular Branch?
a) 1-4% ( ) b) 4-7 %() c) 7-10 %() d) 10% above ( )
Q 2 What is trend of NPA in your bank?
a) Highly decreasing ( ) b) slowly decreasing ( ) c) constant ( )
d) Slowly increasing ( ) e) highly increasing ( )
Q3Previously an assets be called NPA after 180 days, but now it is being changed to 90
days in India context do you agree with it?
a) YES ( ) b) NO ( )


Q4 NPA classified as?
a) Standard Assets ( ) B.)Sub-standard Assets ( ) C.) Doubtful Asset
d) Loss Assets
YES ( )
NO ( )
Q 5 what are the reasons for assets becoming non-performing Assets?
a) Managerial deficiencies during work ( )
b) Lack of Knowledge of the Area of handling ( )
c) Lack of timely action ( )
d) Lack of adequate efforts for recovery ( )
f) Lack of proper verification of the genuine purpose of loan and advances ( )
Q6 what are the different advances treated as non-performing?
a) Agriculture loans ( ) b) Non agriculture loans ( ) c) Cash credit ( )
d) Overdraft ( ) e) term loans ( ) f) Housing loans ( )
Q7 Do you have similar Recovery strategy in all sectors and in all geographical regions?
a)YES ( )
b)NO ( )
Q8 Do you think anyone strategy below mentioned is helpful to reducing NPA?
a) Securitization of assets (debt) b) Legal recovery
YES ( ) NO ( )
Q9 What type of loan does your bank provide to your customer?
a) Retail Loan ( ) b) Education Loan ( ) C.) Agriculture Loan ( )
d) Personal Loan ( )
Q10What Precautions does your bank adopt in providing loan to the customer?
a) Collateral Security ( ) b) Guarantee ( ) c) Guarantee and collateral Security (
d) Any other measures ( )

Q11 who shall be made liable in case failure to recover the outstanding loan amount?
a) Bank ( ) b) Employee ( ) C.)Customer ( ) d) any other person
Q12. How much time does it take to recover the money from your customer?
a) Within the time limit ( ) b) Beyond time limit ( )
Q13 According to you what percentage are the regulatory measures proposed by BIS on
NPA?
a) Less than 25% ( ) b) 25% to 50 % ( ) c) 50% to 75% ( )
d) Above 75 % ( )
Q14 which method you have planned to use for measurement of NPA?
a) Early stage ( ) b) Alert Stage ( ) c) advance Stage ( )
Q15. What age group does your bank prefer in providing credit to the customer?
a) 18 years to 25 years ( )
b) Above 25 years to 40 years ( )
c) Above 40 years to 60 years ( )
d) Above 60 years ( )
Q16. Do you think factors contribute to NPA?
Internal factors
a) Defective Lending process
b) Inappropriate technology
c) Poor credit appraisal system
d) Managerial deficiencies
External factors
a) Wilful defaults
b) Industrial Sickness
c) Lack of demand
d) changes of Govt. policies
YES ( ) NO ( )
Q17 Does your bank incurs losses since recovery involves a huge cost thus resulting in
reduction in banks profit?
a) Low ( ) b) Medium ( ) c) High ( ) d) Nil ( )
Q18 what measures do you take while issuing credit card to your customer?
a) Education Background ( ) b) Age ( ) c) Monthly wages ( )
d) Investment ( )
Q19 Have you responded to RBIs NPA undertaken as part of Risk based supervision?
a) YES ( )
b) NO ( )