STATA ANALYSIS

ROHAN ALAN JAMES 11/000219SHREE KRISHNA SOMANI11/000201KSHITIZ DHYANI 11/000273PARUL SHARMA 11/000203

DISTRICTS IN PUNJAB

1. GURDASPUR

2. AMRITSAR

3. KAPURTHALA

4. JALANDHAR

5. HOSHIARPUR

6. NAWANSHAHR

7. RUPNAGAR

NaturloanPSrlNo 1 (Cash) 2 (Kind) Total

1 1,175,406 36,199 1,211,60597.01 2.99 100

2 316,897 13,877 330,77495.80 4.20 100

3 112,872 7,899 120,77193.46 6.54 100

4 46,828 6,292 53,12088.16 11.84 100

5 17,952 2,617 20,56987.28 12.72 100

6 7,185 305 7,49095.93 4.07 100

7 7,000 0 7,000100.00 0.00 100

Total 1,684,140 67,189 1,751,329

CASH LOANS:

1. 69.2% of the cash loans in punjab accrue to Gurdaspur.

2. 19.81% of the cash loans in punjab accrue to Amritsar.

3. 7.25% of the cash loans in punjab accrue to Kapurthala.

4. 2.336% of the cash loans in punjab accrue to Jalandhar.

5. 0.7785% of the cash loans in punjab accrue to Hoshiarpur.

6. 0.346% of the cash loans in punjab accrue to Nawanshahr.

7. 0.2595% of the cash loans in punjab accrue to Rupnagar.

KIND LOANS:

1. 52.73 % of the cash loans in punjab accrue to Gurdaspur

2. 23.64% of the cash loans in punjab accrue to Amritsar

3. 12.73% of the cash loans in punjab accrue to Kapurthala

4. 7.273% of the cash loans in punjab accrue to Jalandhar

5. 1.818% of the cash loans in punjab accrue to Hoshiyarpur

6. 1.818% of the cash loans in punjab accrue to Nawanshahr

7. 0% of the cash loans in punjab accrue to Rupnagar

TypesecurityPSrlNo 1 2 3 4 5 9

1 686,490 306,340 43,019 2,894 46,843 126,01956.66 25.28 3.55 0.24 3.87 10.4

2 201,662 64,508 30,219 0 8,511 25,87460.97 19.5 9.14 0.00 2.57 7.82

3 91,409 17,146 7,268 0 883 4,06575.69 14.2 6.02 0.00 0.73 3.37

4 34,620 9,797 3,572 0 4,515 61665.17 18.44 6.72 0.00 8.5 1.16

5 19,484 1,085 0 0 0 094.73 5.27 0.00 0.00 0 0

6 6,772 718 0 0 0 090.41 9.59 0.00 0.00 0 0

7 7,000 0 0 0 0 0100 0 0.00 0.00 0 0

Total 1,047,437 399,594 84,078 2,894 60,752 156,57459.81 22.82 4.80 0.17 3.47 8.94

NO SECURITY :

1. 65.53% of the non-secured loans accrue to Gurdaspur

2. 19.72% of the non-secured loans accrue to Amritsar

3. 8.889% of the non-secured loans accrue to Kapurthala

4. 2.778% of the non-secured loans accrue to Jalandhar

5. 1.111% of the non-secured loans accrue to Hoshiyarpur

6. 0.5556% of the non-secured loans accrue to Nawnshahr

7. 0.415% of the non-secured loans accrue to Rupnagar

LAND :

1. 73.44% of the land secured loans accrue to Gurdaspur

2. 18.75% of the land secured loans accrue to Amritsar

3. 5.078% of the land secured loans accrue to Kapurthala

4. 1.563% of the land secured loans accrue to Jalandar

5. 0.7813% of the land secured loans accrue to Hoshiyarpur

6. 0.3906% of the land secured loans accrue to Nawnshahr

7. 0.00% of the land secured loans accrue to Rupnagar

CROP :

1. 53.25% of the crop secured loans accrue to Gurdaspur

2. 30.65% of the crop secured loans accrue to Amritsar

3. 9.677% of the crop secured loans accrue to Kapurthala

4. 6.452%of the crop secured loans accrue to Jalandar

5. 0.00% of the crop secured loans accrue to Hoshiyarpur

6. 0.00% of the crop secured loans accrue to Nawnshahr

7. 0.00% of the crop secured loans accrue to Rupnagar

ORNAMENT :

All the ornament secured loans accrue to Gurdaspur

FINANCIAL INSTRUMENT :

1. 75% of the Financial instrument covered loans accrue to Gurdaspur

2. 16.67% of the Financial instrument covered loans accrue to Amritsar

3. 5.556% of the Financial instrument covered loans accrue to Kapurthala

4. 2.77% of the Financial instrument covered loans accrue to Jalandar

5. 0.00% of the Financial instrument covered loans accrue to Hoshiyarpur

6. 0.00% of the Financial instrument covered loans accrue to Nawnshahr

7. 0.00% of the Financial instrument covered loans accrue to Rupnagar

OTHER :

1. 73.68% of the loans covered by other securities accrue to Gurdaspur

2. 20.3% of the loans covered by other securities accrue to Amritsar

3. 4.511% of the loans covered by other securities accrue to Kapurthala

4. 1.511% of the loans covered by other securities accrue to Jalandar

3 0 9,916 32,488 16,861 61,506 120,7710 8.21 26.9 13.96 50.93 100

4 0 6,478 20,044 5,266 21,332 53,1200 12.2 37.73 9.91 40.16 100

5 185 114 16,263 2,617 1,390 20,5690.9 0.55 79.07 12.72 6.76 100

6 185 5,915 367 0 1,023 7,4902.47 78.97 4.9 0 13.66 100

7 0 5,915 718 0 367 7,0000 84.5 10.26 0 5.24 100

Total 64,251 144,284 371,121 436,298 735,375 ###3.67 8.24 21.19 24.91 41.99 100

LESS THAN ONE MONTH :

1. 75.76% of the loans that are less than one month accrue to Gurdaspur

2. 18.18% of the loans that are less than one month accrue to Amritsar

3. 3.03% of the loans that are less than one month accrue to Kapurthala

4. 3.03% of the loans that are less than one month accrue to Jalandar

ONE MONTH AND ABOVE BUT LESS THAN THREE MONTHS :

1. 68.18% of the loans that are One month and above but less than three months accrue to Gurdaspur

2. 17.27% of the loans that are One month and above but less than three months accrue to Amritsar

3. 7.273% of the loans that are One month and above but less than three months accrue to Kapurthala

4. 4.545% of the loans that are One month and above but less than three months accrue to Jalandar

5. 0.9091% of the loans that are One month and above but less than three months accrue to Hoshiyarpur

6. 0.9091% of the loans that are One month and above but less than three months accrue to Nawnshahr

7. 0.9091% of the loans that are One month and above but less than three months accrue to Rupnagar

THREE MONTHS AND ABOVE BUT LESS THAN SIX MONTHS :

1. 66-09% of the loans that are three month and above but less than tsix months accrue to Gurdaspur

2. 18.7% of the loans that are three month and above but less than tsix months accrue to Amritsar

3. 9.565% of the loans that are three month and above but less than tsix months accrue to Kapurthala

4. 3.043% of the loans that are three month and above but less than tsix months accrue to Jalandar

5. 1.739% of the loans that are three month and above but less than tsix months accrue to Hoshiyarpur

6. 0.4348% of the loans that are three month and above but less than tsix months accrue to Nawnshahr

7. 0.4348% of the loans that are three month and above but less than tsix months accrue to Rupnagar

SIX MONTHS AND ABOVE BUT LESS THAN ONE YEAR :

1. 71.72% of the loans that are above one year accrue to Gurdaspur

2. 21.21% of the loans that are above one year accrue to Amritsar

3. 5.724% of the loans that are above one year accrue to Kapurthala

4. 1.01% of the loans that are above one year accrue to Jalandar

5. 0.3367% of the loans that are above one year accrue to Hoshiyarpur

MORE THAN ONE YEAR :

1. 67.28% of the loans that are above one year accrue to Gurdaspur

2. 20.53% of the loans that are above one year accrue to Amritsar

3. 8.133% of the loans that are above one year accrue to Kapurthala

4. 2.957% of the loans that are above one year accrue to Jalandar

5. 0.5545% of the loans that are above one year accrue to Hoshiyarpur

6. 0.3697% of the loans that are above one year accrue to Nawanshahr

7. 0.1848% of the loans that are above one year accrue to Rupnagar

SourcePSrlNo governmen co-operat bank agriculture relatives doctor, l Others Total

1 13,233 406,802 201,507 230,590 199,010 7,431 23,475 1,211,6051.09 33.58 16.63 19.03 16.43 0.61 1.94 100

2 1,130 60,823 42,449 95,073 58,710 5,897 2,072 330,7740.34 18.39 12.83 28.74 17.75 1.78 0.63 100

3 202 11,753 7,718 28,337 30,695 4,767 2,722 120,7710.17 9.73 6.39 23.46 25.42 3.95 2.25 100

4 0 882 7,108 15,278 16,096 926 0 53,1200 1.66 13.38 28.76 30.3 1.74 0 100

5 0 0 718 305 6,029 0 0 20,5690 0 3.49 1.48 29.31 0 0 100

6 0 0 718 305 0 0 0 7,4900 0 9.59 4.07 0 0 0 100

7 0 0 0 718 367 0 0 7,0000 0 0 10.26 5.24 0 0 100

Total 14,565 480,260 260,218 370,606 310,907 19,021 28,269 1,751,3290.83 27.42 14.86 21.16 17.75 1.09 1.61 100

GOVERMENT :

1. 86.67% of the loans provided by goverment accrue to Gurdaspur

2. 6.667% of the loans provided by goverment accrue to Amritsar

3. 6.667% of the loans provided by goverment accrue to Kapurthala

CO-OPERATIVE SOCIETY :

1. 82.12% of the loans provided by co-opertaive society accrue to Guradspur

2. 14.24% of the loans provided by co-opertaive society accrue to Amritsar

3. 3.03% of the loans provided by co-opertaive society accrue to

Kapurthala

4. 0.6061% of the loans provided by co-opertaive society accrue to Jalandhar

BANKS :

1. 74.29% of the loans provided by the banks accrue to Guradspur

2. 18.29% of the loans provided by the banks accrue to Amritsar

3. 4% of the loans provided by the banks accrue to Kapurthala

4. 2.286% of the loans provided by the banks accrue to Jalandhar

5. 0.5714% of the loans provided by the banks accrue to Hoshiarpur

6. 0.5714% of the loans prpvided by the banks accrue to nawanshahr

AGRICULTURE/PROFESSIONAL MONEY LENDERS :

1. 59.8% of the loans provided by agriculture/professional money lenders accrue to Guradspur

2. 26.58% of the loans provided by agriculture/professional money lenders accrue to Amritsar

3. 8.97% of the loans provided by agriculture/professional money lenders accrue to Kapurthala

4. 3.654% of the loans provided by agriculture/professional money lenders accrue to Jalandhar

5. 0.3322% of the loans provided by agriculture/professional money lenders accrue to Hoshiarpur

6. 0.3322% of the loans provided by agriculture/professional money lenders accrue to Nawanshahr

7. 0.3322% of the loans provided by agriculture/professional money lenders accrue to Rupnagar

TRADERS:

1. 50.3% of the loans provided by traders accrue to Gurdaspur

2. 24.55% of the loans provided by traders accrue to Amritsar

3. 14.37% of the loans provided by traders accrue to Kapurthala

4. 4.795% of the loans provided by traders accrue to Jalandhar

5. 3.593% of the loans provided by traders accrue to Hoshiarpur

6. 1.796% of the loans provided by traders accrue to Nawanshahr

7. 0.5988% of the loans provided by traders accrue to Rupnagar

RELATIVES AND FRIENDS :

1. 67.18% of the loans provided by relatives and friends accrue to Gurdaspur

2. 18.97% of the loans provided by relatives and friends accrue to Amritsar

3. 9.744% of the loans provided by relatives and friends accrue to Kapurthala

4. 2.564% of the loans provided by relatives and friends accrue to

Jalandhar

5. 1.026% of the loans provided by relatives and friends accrue to Hoshiarpur

6. 0.5128% of the loans provided by relatives and friends accrue to Nawanshahr

DOCTORS,LAWYERS AND OTHER PROFESSIONALS :

1. 45.45% of the loans provided by doctors.lawyers and other professionals accrue to Gurdaspur

2. 27.27% of the loans provided by doctors.lawyers and other professionals accrue to Amritsar

3. 18.18% of the loans provided by doctors.lawyers and other professionals accrue to Kapurthala

4. 9.091% of the loans provided by doctors.lawyers and other professionals accrue to Jalandhar

OTHERS :

1. 88.24% of the loans provided by others accrue to Gurdaspur

2. 5.882% of the loans provided by others accrue to Amritsar

3. 5.882% of the loans provided by others accrue to Kapurthala

PurposePSrlNo capital e current e non-farm consumpti education medical other exp Total

1 174,029 416,246 53,192 255,902 3,646 38,481 125,658 ###14.36 34.35 4.39 21.12 0.3 3.18 10.37 100

2 54,431 101,170 7,562 68,376 2,617 18,829 33,341 330,774

16.46 30.59 2.29 20.67 0.79 5.69 10.08 100

3 22,383 32,706 185 31,151 2,722 11,468 10,064 120,77118.53 27.08 0.15 25.79 2.25 9.5 8.33 100

4 4,326 16,688 0 22,041 0 3,049 567 53,1208.14 31.42 0 41.49 0 5.74 1.07 100

5 1,085 16,448 0 2,922 0 0 114 20,5695.27 79.96 0 14.21 0 0 0.55 100

6 0 1,085 0 6,100 0 0 0 7,4900 14.49 0 81.44 0 0 0 100

7 718 0 0 5,915 0 0 0 7,00010.26 0 0 84.50 0 0 0 100

Total 256,972 584,343 60,939 392,407 8,985 71,827 169,744 ###

CAPITAL EXPENDITURE IN FARM BUSINESS :

1. 66.67% of the loans were acquired for capital expenditure in farm business in Gurdaspur

2. 21.21% of the loans were acquired for capital expenditure in farm business in Amritsar

3. 7.879% of the loans were acquired for capital expenditure in farm business in Kapurthala

4. 2.424% of the loans were acquired for capital expenditure in farm business in Jalandhar

5. 1.212% of the loans were acquired for capital expenditure in farm business in Hoshiarpur

6. 0.6061% of the loans were acquired for capital expenditure in farm business in Nawanshahr

CURRENT EXPENDITURE IN FARM BUSINESS :

1. 71.39% of the loans were acquired for current expenditure in farm business in Gurdaspur

2. 19.35% of the loans were acquired for current expenditure in farm business in Amritsar

3. 5.995% of the loans were acquired for current expenditure in farm business in Kapurthala

4. 1.362% of the loans were acquired for current expenditure in farm business in Jalandhar

5. 1.362% of the loans were acquired for current expenditure in farm business in Hoshiarpur

6. 0.5455 of the loans were acquired for current expenditure in farm business in Nawanshahr

NON-FARM BUSINESS :

1. 82.35% of the loans were acquired for non-farm business purposes in Guradspur

2. 15.69% of the loans were acquired for non-farm business purposes in Amritsar

3. 1.961% of the loans were acquired for non-farm business purposes in Kapurthala

CONSUMPTION EXPENDITURE :

1. 64.34% of the loans were acquired for consumption expenditure in Gurdaspur

2. 19.77% of the loans were acquired for consumption expenditure in Amritsar

3. 9.302% of the loans were acquired for consumption expenditure in Kapurthala

4. 4.651% of the loans were acquired for consumption expenditure in Jalandhar

5. 0.7752% of the loans were acquired for consumption expenditure in Hoshiarpur

6. 0.7752% of the loans were acquired for consumption expenditure in Nawanshahr

7. 0.3876% of the loans were acquired for consumption expenditure in Rupnagar

MARRIAGES AND CEREMONIES :

1. 67.3% of the loans were acquired for marriages and ceremonies in Gurdaspur

2. 22.01% of the loans were acquiredfor marriages and ceremonies in Amritsar

3. 5.66% of the loans were acquired for marriages and ceremonies in Kapurthala

4. 3.774% of the loans were acquired for marriages and ceremonies in Jalandhar

5. 0.6289% of the loans were acquired for marriages and ceremonies in Hoshiarpur

6. 0.6289% of the loans were acquired for marriages and ceremonies in Nawanshahr

EDUCATION :

1. 60% of the loans were acquired for education in Gurdaspur

2. 20% of the loans were acquired for education in Amritsar

3. 20% of the loans were acquired for education in Kapurthala

MEDICAL :

1. 62.5% of the loans were acquired for medical in Gurdaspur

2. 19.64% of the loans were acquired for medical in Amritsar

3. 14.29% of the loans were acquired for medical in Kapurthala

4. 3.571% of the loans were acquired for medical in Jalandhar

OTHER EXPENSES :

1. 69.33% of the loans were acquired for other expenses in Gurdaspur

2. 20% of the loans were acquired for other expenses in Amritsar

3. 8.667% of the loans were acquired for other expenses in Kapurthala

4. 1.333% of the loans were acquired for other expenses in

Jalandhar

5. 0.667% of the loans were acquired for other expenses in Hoshiarpur

INTERPRETATION : In Punjab, the maximum amount of loan outstanding sums up to Rs.1,50,000 while the minimum amount sums up to Rs.300 . Average amount of loan accrued is Rs.45,723.97 (mean value of loan calculated from 7 districts in Punjab) and the number of loans acquired or provided is 1205 (N).

STATISTICS AMOUNT OUTSANDINGRANGE 1499700MEAN 45723.97N 1205MAXIMUM 1500000MINIMUM 300STANDARD DEVIATION 8.93E+09VARIANCE 94499.78SKEWNESS 7.055892