Abstract:
Kekirawa is one of the DS Area in Anuradhapura district which economically
depends on the cultivation. This is still a developing DS Area. Farming and
paddy Cultivation are the main source of income. Most people of this DS Area
raise funds for their cultivation and investment activities through the
commercial banks. But since of late loan recovery is a critical problem. But
since of late loan recovery is a critical problem. That means banks have to
dedicate their valuable time to recover these commercial loans. This is a
problem faced by all commercial banks in Kekirawa DS Area.
Kekirawa is one of the DS Area in Anuradhapura district which economically
depends on the cultivation. Therefore it will affect to the economy in fully.
The community is less educated and they have only general knowledge
regarding things. The new technology is not widely spread in the area. People
are less educated about the banking sector; therefore banks have to face many
problems in post financing. This research mainly focuses on this issue.
Under this section, the scientific and the methodical approaches of the
research are discussed. This research is going to discuss about the survey
method, measurement of variables, validity and reliability of questionnaire,
population and sampling, data collection and method of data analysis.
Hypothesizes were developed by the researcher at the beginning of the study.
According to hypothesizes, except Cultivation. Savings and Rotation of Jobs
other independent variables has a positive relationship with the Recoverability
of nonperforming loans in Kekirawa Divisional Secretariat area. After
analyzing the data by using Pearson's Correlation, factors such as Financial
Attitudes, Communication shows a positive relationship with Recoverability
of nonperforming loans. But Cultivation, Savings and Rotation of Jobs shows
a negative relationship with Recoverability of nonperforming loans. Therefore
3 hypotheses were accepted while 2 were rejected.
