{"title":"Credit Access Towards MSMEs: \u2028An Investigation of Banker’s Perspectives","authors":"Greeshma S. Nair, Nikita Gopal","doi":"10.1177/09708464241247874","DOIUrl":null,"url":null,"abstract":"Micro, small and medium enterprises (MSMEs), which are business activity units that run businesses in several fields, are vital for the economies of several countries. Credit access (CA) is regarded as an important matter for MSMEs’ growth in the development and sustainable growth of MSMEs. In the financial sectors, the government’s role via policies like augmenting MSMEs’ credit becomes completely significant. For evaluating CA towards MSMEs in Kerala, this study was developed. Analysing the challenges in accessing credit in MSMEs is the aim. For evaluating the outcomes, a simple random sampling methodology was deployed. In Kerala, the impact of credit knowledge was significant on MSMEs’ CA. As per the outcomes, a greater probability of augmenting loan access is engendered by the factor of challenges in attaining private equity funding and high lending interest rate.","PeriodicalId":147014,"journal":{"name":"SEDME (Small Enterprises Development, Management & Extension Journal): A worldwide window on MSME Studies","volume":"57 9","pages":""},"PeriodicalIF":0.0000,"publicationDate":"2024-05-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":"0","resultStr":null,"platform":"Semanticscholar","paperid":null,"PeriodicalName":"SEDME (Small Enterprises Development, Management & Extension Journal): A worldwide window on MSME Studies","FirstCategoryId":"1085","ListUrlMain":"https://doi.org/10.1177/09708464241247874","RegionNum":0,"RegionCategory":null,"ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":null,"EPubDate":"","PubModel":"","JCR":"","JCRName":"","Score":null,"Total":0}
引用次数: 0
Abstract
Micro, small and medium enterprises (MSMEs), which are business activity units that run businesses in several fields, are vital for the economies of several countries. Credit access (CA) is regarded as an important matter for MSMEs’ growth in the development and sustainable growth of MSMEs. In the financial sectors, the government’s role via policies like augmenting MSMEs’ credit becomes completely significant. For evaluating CA towards MSMEs in Kerala, this study was developed. Analysing the challenges in accessing credit in MSMEs is the aim. For evaluating the outcomes, a simple random sampling methodology was deployed. In Kerala, the impact of credit knowledge was significant on MSMEs’ CA. As per the outcomes, a greater probability of augmenting loan access is engendered by the factor of challenges in attaining private equity funding and high lending interest rate.
微型、小型和中型企业(MSMEs)是在多个领域经营业务的商业活动单位,对多个国家的经济至关重要。在微小中型企业的发展和可持续增长过程中,获得信贷(CA)被视为微小中型企业增长的重要事项。在金融领域,政府通过增加微小中型企业信贷等政策所发挥的作用至关重要。为了评估喀拉拉邦对中小微企业的信贷政策,我们开展了这项研究。本研究旨在分析中小微企业在获得信贷方面所面临的挑战。为评估结果,采用了简单随机抽样方法。在喀拉拉邦,信贷知识对微型企业和中小型企业的 CA 有显著影响。根据结果,获得私募股权融资和高贷款利率的挑战因素增加了获得贷款的可能性。