A Comparative Study Between Public and Private Housing Finance Companies (HFCs) in India


Book Description

A house is a basic necessity, a symbol of security, and a measure of socioeconomic status and pride. In India the policy reforms in the housing sector have led to an increase in the number of banking and non-banking financial institutions providing different types of housing finance services. In this regard, the public (HFCs) and private HFCs are operating at different levels to provide housing finances to all the sections of society. The present study is an attempt to comparatively analyze the financial performance of five public HFCs and five private HFCs in India for the period of 2009-2018. The collected data were analyzed using descriptive statistics in the form of means and a student t-test was conducted to compare the performance of public and private HFCs with regard to various financial ratios. The result showed that profitability, and operating ratios significantly influenced the financial performance of public and private HFCs. The present study calls for regulatory measures and policy reforms to improve the profitability and operating efficiency of both public and private HFCs. This study has an implication in improving the housing finance sector from the perspective of Indian HFCs.







International Encyclopedia of Housing and Home


Book Description

Available online via SciVerse ScienceDirect, or in print for a limited time only, The International Encyclopedia of Housing and Home, Seven Volume Set is the first international reference work for housing scholars and professionals, that uses studies in economics and finance, psychology, social policy, sociology, anthropology, geography, architecture, law, and other disciplines to create an international portrait of housing in all its facets: from meanings of home at the microscale, to impacts on macro-economy. This comprehensive work is edited by distinguished housing expert Susan J. Smith, together with Marja Elsinga, Ong Seow Eng, Lorna Fox O'Mahony and Susan Wachter, and a multi-disciplinary editorial team of 20 world-class scholars in all. Working at the cutting edge of their subject, liaising with an expert editorial advisory board, and engaging with policy-makers and professionals, the editors have worked for almost five years to secure the quality, reach, relevance and coherence of this work. A broad and inclusive table of contents signals (or tesitifes to) detailed investigation of historical and theoretical material as well as in-depth analysis of current issues. This seven-volume set contains over 500 entries, listed alphabetically, but grouped into seven thematic sections including methods and approaches; economics and finance; environments; home and homelessness; institutions; policy; and welfare and well-being. Housing professionals, both academics and practitioners, will find The International Encyclopedia of Housing and Home useful for teaching, discovery, and research needs. International in scope, engaging with trends in every world region The editorial board and contributors are drawn from a wide constituency, collating expertise from academics, policy makers, professionals and practitioners, and from every key center for housing research Every entry stands alone on its merits and is accessed alphabetically, yet each is fully cross-referenced, and attached to one of seven thematic categories whose ‘wholes' far exceed the sum of their parts
















Housing Market Dynamics in Africa


Book Description

This open access book utilizes new data to thoroughly analyze the main factors currently shaping the African housing market. Some of these factors include the supply and demand for housing finance, land tenure security issues, construction cost conundrum, infrastructure provision, and low-cost housing alternatives. Through detailed analysis, the authors investigate the political economy surrounding the continent’s housing market and the constraints that behind-the-scenes policy makers need to address in their attempts to provide affordable housing for the majority in need. With Africa’s urban population growing rapidly, this study highlights how broad demographic shifts and rapid urbanization are placing enormous pressure on the limited infrastructure in many cities and stretching the economic and social fabric of municipalities to their breaking point. But beyond providing a snapshot of the present conditions of the African housing market, the book offers recommendations and actionable measures for policy makers and other stakeholders on how best to provide affordable housing and alleviate Africa’s housing deficit. This work will be of particular interest to practitioners, non-governmental organizations, private sector actors, students and researchers of economic policy, international development, and urban development.




JAIIB Exam 2024 (Paper 1, 2, 3, 4) - Based on Latest Exam Pattern & Syllabus Released by IIBF - 40 Mock Tests (4000 Solved Questions) with Free Access to Online Tests


Book Description

• Best Selling Book for JAIIB Exam with objective-type questions as per the latest syllabus given by the IIBF (Indian Institute of Banking and Finance). • JAIIB Exam Preparation Kit comes with 40 Practice Mock Tests (Paper 1, 2, 3, 4) with the best quality content. • Increase your chances of selection by 16X. • JAIIB Exam Prep Kit comes with well-structured and 100% detailed solutions for all the questions. • Clear exam with good grades using thoroughly Researched Content by experts.




The evolution of the State Bank of India


Book Description

&Nbsp; Playing A Part In The Story Is A Cast Of Bankers Who Left Their Imprint On The Bank&Rsquo;S Policies, Practices And Character, Among Them A Series Of Remarkable Chairmen, Not To Speak Of The Hundreds Of Dedicated Officers And Other Employees Who Helped Establish The Bank&Rsquo;S Pre-Eminence And Provide Leadership To The Banking System. &Nbsp; The State Bank Of India Act Received The President&Rsquo;S Assent On 8 May 1955, And On 1 July, Moving With Remarkable Swiftness, The New Bank Came Into Being. The Purpose Was To Create An Institution That Would Form An Essential Part Of The Country&Rsquo;S Plans For Modernization, Envisaged In The Era Of Economic Planning. The Bank Would Have Its Roots Firmly Planted In The Countryside Through A Network Of Branches That Spanned The Country&Rsquo;S Farthest Corners, And Play A Major Role In National Development. In Volume 4 Of The Evolution Of The State Bank Of India We Are Taken Into The Heart Of The Entire Exercise, Ranging From The Organizational Issues Posed By A Rapidly Expanding Network Of Branches Running Into The Thousands To Those Of Motivating A Huge Workforce, Besides The Problems Of Venturing Into Areas Of Banking&Mdash;Such As Development Banking Geared To The Needs Of The Artisan And The Farmer&Mdash;That Had Not Been Tried Before.