A Study on Factors Affecting the Gold Loan Fi...

A Study on Factors Affecting the Gold Loan Financing In TNSC Bank

Author Name : R Chris Arockia Rhoswen Roche, Dr. Krishnakumari

ABSTRACT This study examines the multifaceted factors influencing gold loan financing, a significant yet underexplored aspect of the financial landscape. Gold loan financing serves as a crucial avenue for accessing credit, particularly for individuals and businesses with limited access to traditional banking services. Understanding the determinants of gold loan financing is essential for stakeholders, including policymakers, financial institutions, borrowers, and investors, as it can inform risk management strategies, promote financial inclusion, enhance market efficiency, and protect consumer interests. It employs a mixed-methods approach, integrating quantitative analysis of historical loan data with qualitative insights from interviews with borrowers and lenders. Key factors explored include gold prices and volatility, loan-tovalue ratios, interest rates, borrower characteristics, economic indicators, regulatory frameworks, and technological advancements in lending practices. By examining the interplay of these factors, the study aims to uncover patterns, trends, and correlations that influence the dynamics of gold loan financing. The findings have implications for policymakers seeking to design effective regulations, financial institutions aiming to optimize lending practices, borrowers navigating credit options, and investors evaluating opportunities in the gold loan market. By elucidating the intricate factors affecting gold loan financing, this study contributes to a deeper understanding of financial market dynamics and fosters informed decision-making to promote sustainable economic growth and financial stability.