SME Finance


Mar, 2014

We Have Enough Room to Grow: DBS Bank

Four times in a row, Singapore based DBS Bank was named Safest Bank in Asia by Global Finance last year. With over 250 branches across 15 markets, DBS Bank has a growing presence in the three key Asian axes of growth Greater China, Southeast Asia and South Asia.

Nov, 2013

How Small Manufacturing Businesses can Generate Funding for Expansion of their Ventures?

The Micro Small and Medium Enterprise MSME sector in India is essential to achieving the targeted growth rate of our nation. This sector nurtures budding entrepreneurs and incubates innovation at its most rudimentary level. A growth in the MSME sector ensures industrialization in backward areas. In the last five year plan, this sector demonstrated an average growth of 12 percent, raising the share of the manufacturing sector in GDP to 16 percent.

Sep, 2013

A New Concept in SME Financing

Globally, innovative models are being explored to provide better funding alternatives to SMEs one of them is Impact Investment. These investments are made into SME companies, organizations, funds with the purpose to produce quantifiable social and environmental impact alongside a financial return. The impact investors here target a range of returns from well below the market up to market rate, depending upon the business model of the issuer. There are certain bodies and associations working for effective impact investing by building critical infrastructure and developing activities, education, and research that attract more investment capital to poverty alleviation and environmental solutions.

Spotlight on MSME Finance

Finance, needless to mention, is the blood of every business, whether Micro, Small or Medium or otherwise. Bible, Ecclesiastes 10 19 says, A feast is made for laughter, and wine maketh merry but money answereth all things! Another amous saying is of W. Somerset Maugham from Of Human Bondage, Money is like sixth sense without which you cannot make a complete use of other five. How true for the MSMEs also! Many studies, reports, findings are available on Finance to MSMEs. The Report, MSME Finance in India of International Finance Corporation, [IFC] distinguishes itself from the other resembling reports not only by its contents but also on the analysis and apt way forward.

Jun, 2012

CGTMSE SCHEME -A WIN-WIN SITUATION

Micro, Small and Medium Enterprises constitute the backbone of the Indian economy. The 26 million MSEs in India contribute roughly 10% to the GDP, employ more than 60 million people and contribute almost 45% of the total manufacturing output and 40% of the total exports.

Credit Ratings Help SMEs to Access Capital

Prevailing information asymmetry within the MSMS sector impedes supply of adequate quantum of finance. The banking and financial service institutions are unable to take decisions due to lack of structured and analyzed information on the MSMEs. In such a scenario, credit rating for the MSMEs provides to be beneficial in building confidence of the formal channels of lending on the MSMEs.

Apr, 2012

Recent Trends in Credit Rating; Corporate Governance

An SMEs desire to obtain a credit rating is often motivated by its need for getting Bank finance at a subsidized rate / issuing debt-related instruments in capital market. However, information asymmetry problem is one of the major obstacles to the unitís endeavor. To reduce the information asymmetry problem, the unit has to seek a credit rating from an independent credit rating agency.

Mar, 2012

MSME Financing

Present State of our Economy The markets are in jittery, and for valid reasons. The rupee has hit an all-time low of Rs. 53 and macroeconomic indicators of the economy are sagging. Industrial production is on a downward spiral. Policymaking is ground to an apparent halt, and the rollback of the decision to open up multi-brand retail has sapped investor confidence. The negative growth registered in industrial production in October, a sharp 5.1% decline, and shows that industrial productivity is slowing far more rapidly than expected.

Jan, 2012

SME Enterprises: A Road Map to Fulfill an Under Delivered Promise!

The contribution of SME to the Indian economy is over 10% of the GDP. It accounts for nearly 35% of the manufacturing and 40% of the exports. The role of the SME in the employment generation can hardly be discounted. The SME sector is truly representative of the spirit of the Indian entrepreneurship. It is all about frugality in the business and survival of against all odds. It is based on native intelligence and being extremely street smart.

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19 Comments >>
Dhaval
03 Jan 2014 (10:54:07)
for any thpes of loan for SME, pl feel free to call +91 8888876169
govind
24 Nov 2013 (19:33:03)
dear sir, i am mba marketing guy doing job in mumbai but want to start my own bisiness so for that i dont have sufficient fund can please tele the procedure of sme loan 9762470234
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07 Sep 2013 (21:09:59)
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virendra marandi
30 Aug 2013 (06:15:11)
realy it is good to help out nebours by get them employed in your sme units.
Sarah
30 Aug 2013 (11:00:14)
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syed akter kamal
17 Aug 2013 (06:08:37)
i want to a plastic bag manufactring unit,i asked that is possible plastic bag manufacturing unit registration in msme sector.please i am confuse it is possible or not.
shankar k p
11 Aug 2013 (08:00:37)
Few queries were raised by some budding entrepreneurs. I clarify: MSME loans under CGTMSE guarantee are available for units engaged in MANUFACTURING & PROCESSING upto Rs.1 crore. Under this scheme, such units need not offer collateral security (like: your house, property, personal guarantee) Wholesale business is not eligible. With regard to setting up a new unit: You should have a viable business in mind - do some survey and integrate your idea with your passion. Margin money can be obtained from SIDBI and working capital and term loan from any nationalized bank. You need to prepare an exhaustive project report giving your background, details of product, market for your product, cost of project, requirement of term loan and working capital (you may take help of some professional) and prepare CMA data giving projections for future years. Submit it to a banker.
ashutosh kumar
19 Jun 2013 (15:10:54)
cgtmse plz requrement
BINOD MODI
13 Jun 2013 (09:48:25)
We need a specimen copy of the latest issue for review so that we can subscribe.Send the copy at THE DAVITE COMPANY,MODI HOUSE,14,RAJA NABA KRISHNA STREET,KOLKATA-700005 WB Ph:033-25556769
biswaranjan kar
21 May 2013 (03:46:14)
Sir myself Biswaranjan Kar starting a medicine wholesale business since 10 months ago and i have invest my all funds and i want to grow my business but i have no finance for extend my business so i want to know about cgtmse scheme from my friend if there is any circumstances for finance to growth my business i want to take loan form your any nationalized bank . So please confirm me as soon as possible . Biswaranjan Kar M/s Maa Anandai Agency ,Plot No-1791,Uttrol,Mahanapur,Rameswar,Cuttack -754201,Orissa Cell No-9437080334/9178791700
K.P.Sasidharan
14 May 2013 (00:18:12)
We have a Coir matting hand loom unit with primitive technology, its operation very tiresome and low benefits ,we intended to switch over the primitive modus operandi with new technology .The concerned commodity board have no such like scheme to upgrade for which the sector sought after since long back
ravi chand
13 May 2013 (05:25:39)
sme finance books
H S Shama Sundar
27 Apr 2013 (03:47:23)
I am addressing on 27 4 2013 senior officers of a nationalised Bank on role of Banks in strategising MSME growth at Bangalore and Marketing strategies H.S.Shama Sundar Motivational Speaker and SME Business Strategist
rakesh
07 Apr 2013 (05:06:06)
We are central government associate dealing with Government subsidy, We are providing State and Central Government subsidy, Central Government : CLCSS : If SME Entrepreneur bought new automatic machinery for the purpose of mass production against term loan from any scheduled and nationalist bank, so that SME Entrepreneur can claim 15% capital refund from Central Government. for more information call in 08286008833
Kanu Majumder
06 Feb 2013 (10:14:04)
I Business Man My Company Name Sree Krishna @ Co my lone 200 Lakh
rekha verma
28 Jan 2013 (23:04:56)
I want tostart my own business but i i don't have money. I want SME loan.Please tell the process of SME loan.
Atraf Ahmed
18 Jan 2013 (05:58:41)
I want to strat a Business. Please guide me what types of business suit for me. I am a M.B.A (Finance) student.
RANJIT KU MOHANTY
27 Dec 2012 (07:09:18)
I WANT THE DETAILS OF CGTMSE COLLATERAL FREE LOAN FORMS AND ETC FOR MANUFACTURING UNIT