synopsis jessy

7/28/2019 Synopsis Jessy

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SYNOPSIS

COLLEGE: BRINDAVAN COLLEGE

NAME OF THE STUDENT: JESSY CHERIAN

REGISTER NUMBER: 11DVCMA033

TITLE OF THE PROJECT

FINANCING FOR SME IN INDIAN OVERSEAS BANK

STATEMENT OF PROBLEM

Here I intend to study the financing for the SME by Indian overseas Bank. SMEs all over the worldhave been playing a crucial role in promoting economic development as well as industrialproduction. SME financing has been identified as a major obstacle to SME growth. Unfortunately,the issue seems to be as unresolved as it always has been. Though the majority of the issues arewith the SME themselves, the banks also have major issues in designing financial products for theSMEs. This study tries to find out the under lying problems from the banksperspective. The major

findings are related to the high interest and loan duration rates, reasons for SMEs relativelyinformal way of doing business in contrast tobanks formal procedures and prerequisites, banksrelative inexperience inthis field. They are also related to the banks lack of perspective, theviability and benefits of cluster unity, approach to informal loan takers and non-usage of moderntechnology and accounting procedures. The recommendations were provided based on theanalysis and findings.

OBJECTIVES OF THE STUDY

The main objective of the study is to find out the major problems and prospects of SME loan

management of Indian Overseas Bank. However, the specific objectives are as follows: To find out thebanks reasons for reluctance to providing loans to the SMEs. To find out the banks problems and prospects in designing proper financial products for

the SMEs. To suggest recommendations to overcome the problems related to SME loan

management. To describe the MSE sector and its functional coverage.


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To lay down guidelines for assessment of credit to MSE units. To make available adequate and hassle-free credit facilities to MSE enterprises To achieve various growth parameters prescribed for MSE sector To comply with RBI/Government of India guidelines and instructions on MSE financing. To give more thrust to Micro and Small Enterprises

DATA SOURCES:

PRIMARY SOURCES

Primary data were collected through personal interview with a structured questionnaire and directobservations. Fifty employees of Indian Overseas Bank were used as the respondents and thesample units were drawn through convenience sampling method. Questionnaire was pre-testedand further improvement was done before conducting the survey. Respondents were assured of

anonymity by asking them not to reveal their identity anywhere in the survey instrument. They werealso told that neither their immediate supervisors nor their headquarters officials will have access tothe individual questionnaire.

SECONDARY SOURCES

Secondary data were collected from the published official statistics, reports documents, laws,ordinance, books, articles, periodicals of different domestic and international agencies, annualreports of concerned bank, websites etc.

PLAN OF ANALYSIS:

The data collected will be analysed by using:

A five-point Likert type scale statements Z-test Hypothesis Formulation

CHAPTER SCHEME:

INTRODUCTION:

Small and medium enterprises (SMEs) all over the world have been playing a crucial role inpromoting economic development as well as industrial production. In particular, SMEs provide thenecessary foundations for sustained growth and rising income in the less developed and


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transitional economies. SME financing is a topic of significant research interest to academics andan issue of great importance to the policymakers of India and around the world. Economic as wellas technical and social arguments warrant the promotion of SMEs as they create large scale, low-cost employment opportunities, use locally available inputs and technologies, mobilize small andscattered private savings, develop entrepreneurship, and correct the regional imbalance indevelopment that exists in developing countries. Despite all these potentials, SMEs aredisappearing, abandoning the potential role they could have played in economic development.Several studies have identified the major obstacles that include, but not limited to financing,infrastructure facilities, taxes and regulations, and stability in policies. Access to financingcontinues to be one of the most significant challenges for the growth and survival of SMEsespecially innovative ones.

RESEARCH DESIGN:

It contains the details like the Title of study, Statement of problem, Limitations of the study etc.

PROFILE OF THE COMPANY:

It contains all the details of the company.

ANALAYSIS AND INTERPRETATION OF DATA:

It contains Tables, charts, interpretation of the statement of the problem.

SUMMARY OF FINDINGS CONCLUSION AND RECOMMENDATIONS

It contains all Findings, suggestions and conclusion of the study.

BIBLOGRAPHY:

It contains all References of the study.

GUIDE: MS. NASEEMA STUDENT SIGN

synopsis jessy

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