Financial Inclusion in Action

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Expanding Access to Finance for Small Businesses in India: A Critique of the Mor Committee’s Approach Part 3. Assessing Access to Finance for Small Businesses?

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The first blog in this series highlighted the context of the Mor Committee’s recommendations and the significant gap between the supply of and demand for credit for small businesses. The second blog in the series examined the role of the banks, development finance institutions and non bank financial institutions (NBFCs) to examine why they have… Continue reading

Expanding Access to Finance for Small Businesses in India: A Critique of the Mor Committee’s Approach Part 2. Why Are The Banks Not Financing Small Businesses?

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The previous blog in this series highlighted the context of the Mor Committee’s recommendations and the significant gap between the supply of and demand for credit for small businesses. This blog looks at the role of the banks, development finance institutions and non bank financial institutions (NBFCs) to examine why they have been so backward… Continue reading

Expanding Access to Finance for Small Businesses in India: A Critique of the Mor Committee’s Approach Part 1. Background and the Supply Gap

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In 1966, the Hazari Committee on industrial licensing recommended nationalisation of banks, which changed the Indian banking industry fundamentally. After a gap of nearly forty-five years, a similar path breaking effort has been initiated by the Reserve Bank of India, in the form of the Committee on Comprehensive Financial Services for Small Businesses and Low… Continue reading

More Small Business Loans — and Why They Matter

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MicroSave recently completed a research study on MSMEs (micro/small/medium-size enterprises) in Uganda, and the dilemmas most face with regard to financing and capital management. And these dilemmas are by no means unique to Uganda. Small businesses have long been, it would seem, the darling of microfinanciers, the international donor community, and others interested in supporting… Continue reading

How to Improve Small Business and Its Very Small Success Rate

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MSME is a term which covers a very wide range of businesses—from micro, the first ‘M’, to medium, the second ‘M’, with S(mall) in the middle. They share two things in common in developing markets: The first is the essential role they play in terms of local employment (up to 45%) and contribution to both… Continue reading