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Credit Gap for

Small Scale
Industries

Group 3:
Ashmitha N.S
Kulkarni Sarvesh
Ravi Agarwal
Saket Khandeliya
Shwetha Raghavan
Shweta Rammohan
Vibish Parekh
Introduction
• The Case
• 45%of the countries manufacturing output and
almost 40% of its exports come from MSME
sector
• Programs that have helped to strengthen the
sector:
 The Act, Amendments, Announcements and
Developments

SECTORS   2005 2006 2007 2008 2009

    AS AT MARCH AS AT MARCH AS AT MARCH AS AT MARCH AS AT MARCH 
END END END END END
MICRO amt in Rs. Crore 34315 33314 44311 66702 86508

    11% -3% 33% 51% 29.70%

  no in lakhs NA NA 17.69 33.3 35.9

SMALL amt in Rs. Crore 33319 49178 60392 79538 104460

    21% 48% 23% 32% 31.30%

  no in lakhs NA NA 2.33 5.53 6.2

MSE amt in Rs. Crore 67643 82492 104703 148651 190968

    16% 22% 27% 42% 28.50%

  no in lakhs 17.71 18.86 20.02 39.12 42.1

Net Bank Credit (NBC) 718722 1017614 1317705 1364268 1694313

MSE Credit as percentage of NBC 9% 8% 8% 11% 11.20%


Different regulatory bodies
concerned with SME financing
• SME Rating Agency of India Limited (SMERA)
• MSME Credit Monitoring Cell
• The Credit Guarantee Fund Scheme for Micro
and Small Enterprises (CGMSE)
• NABARD
• Ministry of MSME
• Micro, Small and Medium Enterprises
Development Act, 2006



Hurdles to growth of MSME in india

Credit Availability is low


Lack of technological innovations
Lack of market accessibility
Inspector Raj & Corruption
Credit Worthiness
Monetary Constraints
Infrastructure
High Interest rates
Government initiatives to further
MSME development
• FDI cap removed
• Promotion of trade and cooperation of SME’s
from different countries
• Hike in the sublimit within priority sector lending
• Set up of credit monitoring cell
• Specially designed training course on export
management
• Additional funding
• Resolving pending cases

Suggestions
• One stop shop kind of mechanism in financial
services
• Factoring services
• Credit Scoring and Credit rating Agencies
• Separate exchange for MSME sector
• Earnest implementation of the National
Manufacturing Competitiveness Program

SME’s contribution to Chinese
Economy
• 40 million SMEs

• 99.6% of total number of enterprises

• 59% of GDP

 60% of sales value
• 68.65% of imports &exports

• 48.2% of taxes paid

• 75% of employment providers in urban areas
FACTORS RESPONSIBLE FOR
GROWTH OF SME ’ S IN CHINA
• Credit guarantee schemes
• Guarantee system
• Credit rating agencies
• Common information system of enterprises for
credit guarantee institutions and credit rating
agencies
• Banks’ special measures for supporting SMEs


Conclusion
THANK YOU!!

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