CREDIT DELINQUENCY IN COOPERATIVE BANKING: EVIDENCE FROM PUNE DISTRICT
Keywords:
Credit delinquency, cooperative banking, default behaviour, Pune District,,Abstract
This paper presents empirical insights from a pilot study on credit delinquency among customers
of cooperative banks in Pune District, undertaken as a preparatory stage for full-scale PhD research.
The pilot analysis draws on a structured dataset to summarize borrower characteristics, visualize
key distributions, and apply inferential statistical tests, including Chi-square, t-test, correlation
analysis, and an exploratory regression proxy, to examine potential determinants of delinquency.
Socio-economic, demographic, and loan-related attributes were assessed to identify patterns in
repayment behavior and explore their relative importance. The findings indicate that certain
categorical features, such as borrower profile and income source, may be associated with
delinquency, while numeric measures, such as installments paid or unpaid, display varying degrees
of correlation. Beyond statistical outputs, the pilot highlights the importance of rigorous data
cleaning, accurate variable classification, and targeted feature selection. These insights will inform
the refinement of survey instruments, analytical frameworks, and methodological approaches for
the comprehensive study, with potential implications for cooperative banking policy and credit risk
management.
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