QUESTIONNAIRE

NAME ……………………………..

ADDRESS………………….............

PHONE NO……………………….
Q-1 Do You Know about Credit Appraisal techniques?

YES
NO

Q-2 Are You Aware of Different Credit Appraisal In banks?

YES
NO

Q-3 Investment decision can take on the basis of credit appraisal?

STRONGLY AGREE
AGREE
DISAGREE
STRONGLY DISAGREE

Q-4 Do You Know About the Purpose of Cerdit Appraisal?

To measure credit risk

Assisting investments
Assure about safety

Q-5 Does the credit appraisal is a privilege given to the customer?

Increase Credit Limit

To Check The Performance
Target Achievement

Q-6 Do you know about the credit appraisal provide the loans on high rate of interest?

YES
NO
Q-7Does the credit appraisal is helpful in increase confidence among the corporate bankers and
improved sales decisions?

STRONGLY AGREE
AGREE
DISAGREE
STRONGLY DIS AGREE

Q-8 According you it reduce the risk during providing of loans?

VERY HIGH
HIGH
SOME
LITTLE
Q-9 Can we assess to improving loan quality as well as credit risk exposure?

YES 40
NO 10
Q-10 Are you examine the impact of this deteriorating with the help of credit appraisal related
of financial institutions?

STRONGLY AGREE 17
AGREE 15
STRONGLY DISAGREE 10
DISAGREE 8

Q-11 Can you analyze the rating of banks with the help of credit appraisal?

YES
NO

Q-12 Does it provide the various guidelines and information to borrower related of finance at
low cost ?

YES
NO
Q-13 The credit appraisal investigates the relationship between loan officers and persons
applying for loans?

VERY HIGH
HIGH
SOME
LITTLE
Q-14 Can you ensure the money of the banks and its customers with credit appraisal?

STRONGLY AGREE
AGREE
STRONGLY DISAGREE
DISAGREE

Q- 15 Does the every customer can understand the term of credit appraisal?

YES
NO

Q-16 Can you this to check the general attitude of customers along with efforts are put into
understand their needs better?

STRONGLY AGREE
AGREE
STRONGLY DISAGREE
DISAGREE

Q-17 Are the loan approval and credit appraisal functions separate?

YES
NO

Q-18 Do you believe are the most important potential benefits of a credit appraisal?

STRONGLY AGREE 18
AGREE 22
STRONGLY DISAGREE 6
DISAGREE 4

Q-19 What are the major challenges faced in successful implementation of credit appraisal
management?

LESS FINANCIAL
INFORMATION
PROBLEM LOAN MANAGE
ACCURACY OF
APPRAISAL
DIFFICULTY TO PREDICT
FUTURE
Q-20 Does the banks have a written appraisal policy ?

YES
NO

Q-21 Do you think that credit appraisal system is necessary for present scenario?

YES
NO

Q-22 How does a lender evaluate the eligibility of a borrower through credit appraisal ?

FIXED OBLIGATION TO
INCOME
LOAN TO COST RATIO
INSTALLMENTS TO
INCOME RATIO

Q-23 If you have to rate credit appraisal system how would you rate to it?

POOR
SATISFACTORY
GOOD

Q-24 According to you how credit appraisal is useful for clients?

ENSURE THE SAFETY

PROVIDE LOAN ON
REASONABLE RATE
ANALYSIS OF BUSINESS

Q-25 Do you think credit appraisal system is help reduce NPA?

YES
NO