EVALUATION OF PROJECTS: A STUDY OF MSMEs AND FINANCIAL INSTITUTIONS FINANCING MSMEs IN PUNJAB

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dc.contributor.advisorBabita Kumar
dc.contributor.authorSukirat Kaur
dc.date.accessioned2016-11-18T10:15:05Z
dc.date.available2016-11-18T10:15:05Z
dc.date.issued2014
dc.description.abstractThe study offers an insight into the criteria used by the Financial Institutions in Punjab to evaluate the loan applications of MSMEs and into the criteria and the internal evaluation methods used by the MSMEs for their self assessment of loan application so that it does not get rejected. It also compares the results obtained from the Financial Institutions and the MSMEs. The findings were based on interviews with 10 Financial Institutions providing finance to MSMEs in Punjab and 50 MSMEs in Punjab which were granted loan by these Financial Institutions. The analysis shows that the criteria that banks use the most in evaluating the SME loan applications are the Investment in Fixed Assets, Value of Collateral, Financial Ratios, and the criteria which MSMEs consider to be important from the bank’s point of view include profitability, financial ratios, and growth prospects. Also, we observe that there is statistically significant difference in only two of the criteria used by the FIs and the MSMEs, i.e., experience of the entrepreneur, and the organizational structure of the firm. Both, Financial Institutions and MSMEs, give more importance to Hard Information over Soft Informationen_US
dc.identifier.urihttp://krishikosh.egranth.ac.in/handle/1/86188
dc.language.isoenen_US
dc.publisherPUNJAB AGRICULTURAL UNIVERSITYen_US
dc.research.problemEVALUATION OF PROJECTS: A STUDY OF MSMEs AND FINANCIAL INSTITUTIONS FINANCING MSMEs IN PUNJABen_US
dc.subAgricultural Business Managementen_US
dc.these.typeM.Sc
dc.titleEVALUATION OF PROJECTS: A STUDY OF MSMEs AND FINANCIAL INSTITUTIONS FINANCING MSMEs IN PUNJABen_US
dc.typeThesisen_US
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