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Please use this identifier to cite or link to this item: http://dyuthi.cusat.ac.in/purl/3265

Title: A Study of Credit Guarantee Fund Trust for Micro and Small Enterprises with particular reference to Bank of Baroda in state of Kerala
Authors: Habeeb, Rahiman P A
Dr.George, Varghese
Keywords: Micro & Small Enterprises
Tenure of Guarantee
Variables from CGTMSE
Variables Relating to RBI
Issue Date: 16-Aug-2010
Publisher: Cochin University of Science and Technology
Abstract: While the quantum of advances from the public sector banks (PSBs) to the MSEs has increased over the years in absolute terms, from Rs.46, 045 crore in March 2000 to Rs.1, 85,208 crore in March 2009, the share of the 7credit to the MSE sector in the Net Bank Credit (NBC) has declined from 12.5 per cent to 10.9 per cent. Similarly, there has been a decline in the share of micro sector as a percentage of Net Bank Credit (NBC) from 7.8 per cent in March 2000 to 4.9% in March 2009. (TKA.Nair, 2010)9.The major reasons for low availability of bank finance to this sector are high risk perception of the banks in lending to MSEs and high transaction costs in processing of loan applications of MSEs. The problem is more serious for micro enterprises requiring small loans and the first generation entrepreneursThe thesis studies the divergence in guidelines by, CGTMSE, RBI & Bank of Baroda on collateral free lending and analyses the awareness of MSE about CGTMSE lending. The researcher tries to assess the problems faced by borrowers in availing advance under CGTMSE from Bank of Baroda, Kerala.
Description: School of Management Studies, Cochin University of Science & Technology
URI: http://dyuthi.cusat.ac.in/purl/3265
Appears in Collections:Faculty of Social Sciences

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