Ease of doing business ?
Ease of doing business is not seen on the ground with so many hurdles one SME has to jump;like approvals from local authourity, bank finance and getting orders from large public sector or corporates.If at all SME manages to get orders the payment days is more than 180 days.So how can SME grow from its own money, with bank not financing without collaterals and guarantee ? more
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Oct 31
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May 10
I am arvind patidar .and am a student .i want work on my idea . and also i have a idea . but i am not work properly on it . so give direction . my idea related to e comers web . thanks On Monday, 24 April 2017 8:43 PM, Urgita Lolla wrote: more
May 02
Madam Kalavathi, Thank you, for your kind response. The point mention by you that there is special scheme Credit Guarantee Scheme for Micro, Small and Medium Enterprises availabe to credit applicants in Banks.If you qualify to apply under the scheme you can avail finance without any guarantor or collateral. However, who decides that one qualifies to get the loan. Do You have any statistics how many have applied and got the loan? There are many schemes for MSME but its implementation on the ground is not seen. Also there is something called credit ratings which banks have started asking SMEs and in view of their limited track record or financial trail the ratings assigned is always not bankable and if at they get ratings which is always moderate the interest charged from them is more than 14%. whereas, they are the people who really need finance at lower rates but our banking system is more money for high networth corporates at lower rates. It is an irony that people who wants to grow has to really struggle with our banking system which only favours large corporates and who are enjoying moratarium like 5/25 scheme and interest holidays, waiver of interest etc. Whereas Sarfaesi act is only for SMEs where the property mortgaaged collateral is immediately impounded. What is required is radical change in banking system in India. And you being a banker will be knowing much more functionally. more
Apr 27
