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Micro, Small and Medium Enterprise Finance in India: A Research Study on Needs, Gaps and Way Forward

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dc.contributor.authorInternational Finance Corporation
dc.date.accessioned2017-05-09T17:13:48Z
dc.date.available2017-05-09T17:13:48Z
dc.date.issued2012-11
dc.description.abstractThis study aims to provide an assessment of the Micro, Small and Medium Enterprise sector (MSME) finance in India. The chapters in the study highlight the key characteristics of the MSME sector, and assess the demand for, and the flow of finance into the sector. The study also evaluates the consequent gap in the financing needs of MSMEs. Finally, it explores potential interventions to address the lack of access to formal finance for MSMEs. The Micro, Small and Medium Enterprise sector is crucial to India’s economy. There are 29.8 million enterprises in various industries, employing 69 million people. The sector includes 2.2 million women-led enterprises (~7.4 percent) and ~15.4 million rural enterprises (51.8 percent). In all, the MSME sector accounts for 45 percent of Indian industrial output and 40 percent of exports. Although 94 percent of MSMEs are unregistered, the contribution of the sector to India’s GDP has been growing consistently at 11.5 percent a year, which is higher than the overall GDP growth of 8 percent. Poor infrastructure and inadequate market linkages are key factors that have constrained growth of the sector. The lack of adequate and timely access to finance has been the biggest challenge. The financing needs of the sector depend on the size of operation, industry, customer segment, and stage of development. Financial institutions have limited their exposure to the sector due to a higher risk perception and limited access of MSMEs to immovable collateral.en
dc.identifierhttp://documents.worldbank.org/curated/en/833391492755845785/Micro-small-and-medium-enterprise-finance-in-India-a-research-study-on-needs-gaps-and-way-forward
dc.identifier.doi10.1596/26553
dc.identifier.urihttps://hdl.handle.net/10986/26553
dc.languageEnglish
dc.language.isoen_US
dc.publisherInternational Finance Corporation, New Delhi
dc.rightsCC BY-NC-ND 3.0 IGO
dc.rights.holderInternational Finance Corporation
dc.rights.urihttp://creativecommons.org/licenses/by-nc-nd/3.0/igo
dc.subjectSMEs
dc.subjectENTERPRISE FINANCE
dc.subjectMICROFINANCE
dc.subjectMSMEs
dc.subjectMICROENTERPRISE
dc.subjectSMALL AND MEDIUM ENTERPRISE
dc.subjectDEBT FINANCE
dc.subjectEQUITY FINANCE
dc.subjectREGULATION
dc.subjectLEGAL FRAMEWORK
dc.subjectRISK MANAGEMENT
dc.subjectINFRASTRUCTURE
dc.subjectFINANCIAL INSTITUTIONS
dc.titleMicro, Small and Medium Enterprise Finance in Indiaen
dc.title.subtitleA Research Study on Needs, Gaps and Way Forwarden
dc.typeWorking Paperen
dc.typeDocument de travailfr
dc.typeDocumento de trabajoes
dspace.entity.typePublication
okr.date.disclosure2017-04-21
okr.date.doiregistration2025-05-05T12:00:41.754608Z
okr.doctypePublications & Research
okr.doctypePublications & Research::Working Paper
okr.docurlhttp://documents.worldbank.org/curated/en/833391492755845785/Micro-small-and-medium-enterprise-finance-in-India-a-research-study-on-needs-gaps-and-way-forward
okr.guid833391492755845785
okr.identifier.externaldocumentum090224b084aeb271_1_0
okr.identifier.internaldocumentum27379439
okr.identifier.report114457
okr.importedtrue
okr.language.supporteden
okr.pdfurlhttp://documents.worldbank.org/curated/en/833391492755845785/pdf/114457-WP-IN-MSME-Report-03-01-2013-PUBLIC.pdfen
okr.topicFinance and Financial Sector Development::Access to Finance
okr.topicFinance and Financial Sector Development::Microfinance
okr.topicPrivate Sector Development::Business Environment
okr.topicPrivate Sector Development::Small and Medium Size Enterprises
okr.topicRural Development::Rural Microfinance and SMEs
okr.unitSME - FIG (CFGSM)
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