Interview Schedule for Small Scale Entrepreneurs In Madurai District

I 1.1 GENERAL INFORMATION ABOUT THE INDUSTRIAL UNIT Name and Address of Unit (Optional) Block Taluk 1.2 1.3 Date of Commencement of Business Location of the Enterprise : : : : : a. Rural b. Urban c. Semi-urban 1.4 Nature of the unit : 1. Manufacturing 2. Servicing 1.5 Nature of the Product Manufactured : 1. Consumer product 2. Industrial product 1.6 Type of organization : 1. Sole proprietorship 2. Partnership 3. Private Ltd.,Company 4. Public Ltd., Company 5. Co-operative Organisation 1.7 Mode of Acquisition Newly constructed Purchased Inherited Rented Leasehold : Tick ( ) the relevant item(s)

1.8

Number of workers in the Unit

a. Male b. Female

1.9 II 2.1

Ancillary Industry ENTREPRENEUR Gender

Yes

No

a. Male b. Female

2.2

Age

a. upto 25 years b. 26-50 years c. 51-75 years d. above 75 years

2.3

Literacy Level

a. Illiterate b. School Level c. College Level d. Professional

2.4

Marital status

a. Married c. Widow

b. Unmarried d. Widower

2.5

Income

a. upto Rs.25,000 b. Rs.25,001 to Rs.50,000 c. Above Rs. 50,000

2.6

Family System: Tick ( ) the relevant item. a. Single Family b. Joint Family

2.7

Size of the Family: upto 5 members Above 5 members

2.7

Previous Occupation

:
2

a. Agriculture

b. Trade c. Industry d. Government Service e. Private Service 2.8 Nature of Job if previously in Government service / Private Service : a. Worker b. Office Assistant c. Supervisor d. Executive 2.9 Is there is any relationship between Occupation and nature of your Industrial unit? Do you have any technical knowledge?

: :

Yes Yes

No No

2.10 2.11

To which generation of Entrepreneur do you belong? Tick ( ) the relevant Item (s) First Generation Second Generation

III 3.1

PROJECT IMPLEMENTATION Did you face any problem during? the implementation of the project?

Yes

No

3.2 IV 4.1

If yes, list the problems FINANCE

Have you received any financial assistance from the banks and financial institutions?:Yes If, yes the name of the Banks :

No a. SBI Groups b. Public Sector Banks c. Private Sector Banks c. Other institutions

4.2

4.2

How long have you been borrowing? from banks and financial institutions?

a. 3 years b. 3-5 years c. 6-8 years d. above 8 years

4.3

Generally for what purpose you have borrowed from banks and financial institutions?

a. Fixed Capital b. Working Capital c. Both

4.4

How will you meet the shortage of funds, if sufficient funds are not available from banks and financial institutions?

a. Borrowing from money lender b. Borrowing from friends c. Borrowing from relatives d. Purchase of raw material on credit at a higher price e. Sale of product at a lower Price f. Delaying the payment

4.5

Sources of owned capital

a. Hereditary Property b. Self-earned property c. Wifes Property

4.6

Are you completely aware of the criteria to be satisfied for getting the loan from institutional source?

a. Not aware b. Possessing some basic knowledge c. Having full knowledge

4.7

How do you know about financial assistance from banks and financial institutions?
4

a. Through friends / Relatives c. Through Advertisement

by commercial banks and financial institutions d. Through Advertisement by Directorate of Industries / DIC / SISI e. Any other (Specify) 4.8 On what basis the loan was Sanctioned to you? : a. On the basis of security b. On the basis of viability of the project c. On the basis of sources of asssets 4.9 Whether your application for loan has been rejected at any time? : Yes No

4.10

If yes, State the reason for rejection

a. Shortage of Security b. Non-viability of project c. Defective title Deeds d. Un satisfactory record of Previous loans e. Credit control by RBI

4.11

Do you want to receive loan in Lump sum or Installments? Does your unit face any financial problem? If yes, mention the nature of the problem Do you like to avail loan from Institutional source? If yes, state the reason

a. Lump sum b. Installments

4.12 4.13

: :

Yes

No

a. Shortage of working capital b. Shortage of fixed capital

4.14 4.15

: :

Yes

No

a. Low rate of Interest b. Easy terms and conditions c. Long repayment period d. Adequate loan amount

c. No other sources

4.16

If no, state the reasons

a. Cumbersome procedure b. Insistence on security c. Inadequate loan amount d. Delay in sanctioning loan e. High security margin f. High rate of interest g. Short Repayment period

4.17 4.18

Do you prefer to get loan from Non-institutional sources? If yes, state the reasons

: :

Yes

No

a. Low security margin b. Minimum delay c. Less Procedure d. Adequate amount c. No other sources

4.19

If no, state the reasons

a. High rate of interest b. May not follow the legal norms in recovery c. Forced to sell finished goods at low price to them d. Any other, specify

4.20

How many times did you visit the financial institutions before the sanction of the loan?

a. Less than 3 times b. 3 to 5 times c. 5 to 7 times d. 7 to 9 times e. More than 9 times

4.21

What do you think of the Procedure involved in obtaining a loan? :

6

a. Difficult

b. Somewhat difficult c. Easy 4.20 Do you repay your loan promptly? Yes 4.21 No : a. Sanction of required amount of loan b. Simplified procedure c. Relaxation in demanding Security d. Quick disposal of loan applications e. Longer repayment period V Sl.No. 1 2 3 4 5 5.1 Sl.No. 1 2 3 4 5 5.2 Sl.No. 1 2 3 4 5 5.3 PROBLEMS FACED BY THE UNIT Major Problem Marketing Finance Availability of Raw material Labour Power Problems in marketing (indicate your order of preference) Problem Competition from Small Scale units Competition from Large Scale units Slackness in demand Seasonal Fluctuation Changes in consumer taste Problems in Finance (indicate your order of preference) Problem Number one Number Two Shortage of working capital Shortage of fixed capital High rate of interest Red-tap in Government agencies Poor Govt. incentives Raw material problems (indicate your order preference)
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Suggestions for availing financial assistance from institution sources

Facing

Not facing

Rank

Sl.No. 1 2 3 4 5 5.4 Sl.No. 1 2 3 4 5 5.5 Sl.No. 1 2 3 4 5 Scarcity High prices Low prices Low quality Transport

Problem

Number one

Number Two

Labour problems (indicate your order of preference) Problem Want of skilled labour Unionisation Turnover Absenteeism Demand High Wages Power problems (indicate your order of preference) Problem High cost Uncertainty Scarcity Power Shutdown Unavailability of power subsidy Number one Number Two Number one Number Two

VI

ROLE OF GOVERNMENT AND PROMOTING AGENCIES

6.1 6.2

Did you receive any training from the Government Institutions? Did you receive any incentives from the promotional Agencies?
8

: :

Yes Yes

No No

6.3

If yes, mention the nature of the assistance received

a. Investment subsidy b. Power Tariff subsidy c. Tax holiday c. Interest free sales tax loan d. Liberalised financial Assistance e. Supply of raw material f. Marketing Assistance

6.4

If no, mention the reasons for Non utilization of such incentives

a. Lack of information b. Attitude of Government and Bank officials c. Any other (Specify)