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Commercial Banks and Entrepreneurship Development in Kerala-Strategies For Growth of Sme Business: A Comparative Study

SMEs are an important sector for employment and GDP growth in India. However, SMEs face challenges in accessing funds from commercial banks due to high interest rates, information opacity, and perceived risk. This study examines and compares strategies used by State Bank of India (SBI) and other banks in Kerala to promote SME business through lending schemes. Primary data will be collected through surveys of 25 SMEs in Thrissur and Palakad districts, and secondary data from bank reports and government sources will be analyzed to compare SBI and other banks' strategies, lending trends to SMEs over 10 years, terms and conditions of services, and SME satisfaction levels.

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Swathi Ajay
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162 views9 pages

Commercial Banks and Entrepreneurship Development in Kerala-Strategies For Growth of Sme Business: A Comparative Study

SMEs are an important sector for employment and GDP growth in India. However, SMEs face challenges in accessing funds from commercial banks due to high interest rates, information opacity, and perceived risk. This study examines and compares strategies used by State Bank of India (SBI) and other banks in Kerala to promote SME business through lending schemes. Primary data will be collected through surveys of 25 SMEs in Thrissur and Palakad districts, and secondary data from bank reports and government sources will be analyzed to compare SBI and other banks' strategies, lending trends to SMEs over 10 years, terms and conditions of services, and SME satisfaction levels.

Uploaded by

Swathi Ajay
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PPT, PDF, TXT or read online on Scribd
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COMMERCIAL BANKS AND ENTREPRENEURSHIP

DEVELOPMENT IN KERALA- STRATEGIES FOR


GROWTH OF SME BUSINESS: A COMPARATIVE STUDY
STATEMENT OF THE PROBLEM
SME is the foremost employment generating sector
contributing 8% in Indian GDP.

Current situation is that unavailability of funds lowers
the growth of many SMEs and at the same time loans
rates charged from them are as high as 16% and
above, which affects investment decisions.

Commercial banks are found to be the main source of
finance for SMEs.

But informational opacity and risk in SMEs gives
greater challenge for commercial banks in providing
finance to them,


Conti...
Hence, the present study which focuses on the major
strategies and implementation methods adopted by various
banks in Kerala to promote SME business and

The effectiveness of those in comparison to SBIs strategies
and implementation, is proposed with the following
objectives.
OBJECTIVES
To examine the comparative strategies of SBI and other
selected banks for the growth of SME business.

To examine the attitude of selected SMEs towards the
implementation of various schemes by SBI and other
selected commercial banks
METHODOLOGY
Data collection-

The study will be based on both primary and secondary
data Primary data will be collected through sample
survey from randomly selected 25 SMEs from Thrissur
and Palakad districts.

The study will be specifically on those SMEs
recognized by SBI and Small Industries Service
Institute(SISI) Thrissur, Kerala.

The attitude of SMEs towards the different schemes
implemented by selected banks will be assessed using
scaling techniques and formulating satisfaction indices.

conti...
Secondary data collected from various published
materials of selected banks for last 10 years, journals,
magazines, Internet and government reports will be
used for examining the trend in SME business.

Data analysis-

Collected data will be analysed using appropriate
statistical tools.
OBSERVATIONS TO BE MADE
1.Strategies adopted for the growth of SME business by SBI and
other selected banks in Kerala

1.Trend in district wise and scheme wise advances to SMEs
given by SBI and selected banks for last 10 years

1.Difference in the terms & conditions of different services offered
by SBI & other selected banks

Conti...

4.Trend in district wise deposits mobilized from SMEs by SBI and
selected banks for last 10 years

5.Attitude of SMEs towards the services given by SBI and
selected banks
THANK YOU

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