Browsing by Author "Dr. Anthony Sathish"

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    A Study Of Banks Lending Facilities To MSMES In Goa
    (2025-02-27) Dr. Anthony Sathish; Dr. Atmaram Manohar. Tarpe
    Banks in India by the mere fact are commercial in nature and because of the level of risk involved, are forced to charge high interest rates, require high value collateral from Micro, Small Medium Enterprises (MSMEs), financial statements and bank statements for the facilities sought, which eventually increase the transaction cost for the MSMEs. This has brought in a daunting challenge for banks in the provision of the credit to the MSMEs. The study found that banks selected for this study appear inconsistent in their lending practices for MSMEs in Goa. Marked differences in lending facilities such as fund based facilities, non-fund based facilities and requirements of loan documents were reported between MSME loan managers at bank branches and head offices within banks.
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    Issues and Problems in the Growth of Micro, Small and Medium Enterprises in Goa: An Empirical Study
    (2025-02-27) Dr. Anthony Sathish; Dr. Atmaram Manohar Tarpe
    The MSMEs are considered the engine of economic growth and development as it generates large employment at low capital cost. Major issues concerning MSMEs in Goa is that it generally abstain from filing Entrepreneurs Memorandum Part–II/PMT Registration on the simple pretext that the registration under the MSMED Act is not mandatory and moreover on the grounds that some of the authorizing does not demand for the same except for availing incentives under the schemes. The general estimation is that this ratio could be around 5:1 which could be derived on the basis of 3237 E.M Part–I issued and 251 units have only filed Entrepreneurs Memorandum Part–II under MSMED Act, 2006. It is also noted that many of the registered units shutdown their business on varied grounds. As the owners do not seek de-registration, the circumstances of closure remains unspecified in the records of DITC and the figures of permanent registered units continues unaltered in the register.