Darshan Title Final

A
SUMMER TRAINING REPORT

ON
Departmental studies
Undertaken
At
“ASIRVAD MICRO FINANCE LIMITED.”
Submitted by:
DHOBI DARSHAN B.
(BBA 031)
Under the guidance of
Prof. Hina Gajera
Submitted in the partial fulfilment for the award of degree in

BACHELOR OF BUSINESS ADMINISTRATION TO
SHREE J D GABANI COMMERCE COLLEGE & SHREE
SWAMI ATMANAND SARASWATI COLLEGE OF
MANAGEMENT, VNSGU, SURAT
2024-25
COMPANY CERTIFICATE
II
COLLEGE CERTIFICATE
This is to certify that the internship project report submitted along with the project entitled
“SUMMER TRAINING” has been carried out by DHOBI DARSHAN BHIKHABHAI under my
guidance and supervision This project report is the result of his own work and as standards
expected from a candidate for the degree of bachelor of business administration (BBA) in partial
fulfilment of the Bachelor of Business Administration degree, 5th semester of Veer Narmad South
Gujarat University, Surat, for the academic year 2024-25.
Prof. Hina Gajera Dr. Govind Dhinaiya
Assistant professor I/C Principal
III
DECLARATION
I hereby declare that the summer internship report titled “Summer training Report”, submitted
to Shree J D Gabani Commerce College and Shree Swami Atmanand Saraswati College of
Management, VNSGU, Surat is a Bonafide record of the 6 weeks (1st May to 15th June 2024)
internship completed by me at ASIRVAD MICRO FINANCE LIMITED under the supervision of Prof.
HINA GAJERA and that no part of this report has been directly copied or taken from any source,
without providing due reference.
DHOBI DARSHAN
Sign of the student
IV
ACKNOWLEDGEMENT
This report would not have been possible without the kind support of many people. I would like
to acknowledge them who have been a great sense of support and inspiration throughout the
report.
I am thankful to Shree J D Gabani Commerce college and Shree Swami Atmanand Sarswati
College of Management, VNSGU, Surat for giving me opportunity, by adding project work in
syllabus as a part of BBA degree. It is a great source of practical learning as it made me aware
of professional culture and conducts that exists in organization.
I also thankful to the ASIRVAD MICRO FINANCE LIMITED for giving me internship training
and required information for my project report. I also thankful to all staff members for their
support and guidance.
My gratitude goes to my report guide, PROF. HINA GAJERA for her exemplary guidance at every
stage of the report. I would also like to thanks I/C principal Dr. Govindbhai Dhinaiya for his
motivation during the report. His insight and creative ideas have always been an inspiration for
me.
Last but not least I would also thank my parents for their continuous encouragement and moral
support during the project and other people who helped me in preparing this report, directly
and indirectly.
DHOBI DARSHAN
BBA31
V
EXECUTIVE SUMMARY
Microfinance means providing very poor families with very small loans (micro credit) to help
them engage in productive activities /small businesses. Over time, microfinance has come to
include a broader range of services (credit, savings, insurance, etc.) as we have come to realize
that the poor and the very poor who lack access to traditional formal financial institutions require
a variety of financial products.
The Eleventh Five Year Plan aims at inclusive growth and faster reduction of poverty. Micro
Finance can contribute immensely to the financial inclusion of the poor without which it will be
difficult for them to come out of the vicious cycle of poverty. There is a need to strengthen all
the available channels of providing credit to the poor such as SHG- Bank Linkage programmes,
Micro Finance Institutions, Cooperative Banks. State financial corporations, Regional Rural
Banks and Primary Agricultural Credit Societies. The strength of the micro finance industry lies
in its informality and flexibility which should be protected and encouraged.
Landlords, local shopkeepers, traders, suppliers and professional money lenders, and relatives
are the informal sources of micro-credit for the poor, both in rural and urban.
The sector which is still in its infancy faces shortage of experienced consult-
ants/manpower/experts. There is a need to have good quality professionals, trained in best
practices in governance for effective corporate governance. A need-based capacity building
programme to meet the requirements of all categories of Micro Finance Organisations (MFOs)
is essential to bring about sustainability in the sector. Some of the important are- as where
capacity building is needed are transformation, best practices, interest rate management,
delivery management, managing growth, risk mitigation, product designing market research etc.
VI
TABLE OF CONTENT
Sr. Particulars Page No.

No.
1 Title Page -
2 Company Certificate II
3 College Certificate III
4 Declaration IV
5 Acknowledgment V
6 Executive Summary VI
7 Chapter 1: Industry Profile 1
8 Chapter 2: Company Profile 17
9 Chapter 3: Service Department 29
10 Chapter 4: Marketing Department 41
11 Chapter 5: Human Resource Department 51
12 Chapter 6: Finance Department 57
15 Findings 83
16 Conclusion 85
17 Suggestion 87
18 Bibliography 89

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A

SUMMER TRAINING REPORT

Submitted in the partial fulfilment for the award of degree in

Gujarat University, Surat, for the academic year 2024-25.

Prof. Hina Gajera Dr. Govind Dhinaiya

Assistant professor I/C Principal

without providing due reference.

Sign of the student

Sr. Particulars Page No.

3 College Certificate III

7 Chapter 1: Industry Profile 1

8 Chapter 2: Company Profile 17

9 Chapter 3: Service Department 29

10 Chapter 4: Marketing Department 41

11 Chapter 5: Human Resource Department 51

12 Chapter 6: Finance Department 57

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