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The Bangladesh Development Studies
Despite the presence of the informal sector in developing countries around the globe as a source ... more Despite the presence of the informal sector in developing countries around the globe as a source of livelihood for a disproportionately large number of households, a myriad of problems often held back the enterprises in the sector. Among these problems, meagre access to financial services is the most disabling, as access to other enabling conditions often hinges on access to finance. This paper examines, drawing inputs from a sample survey, the issues related to the financial accessibility of the urban informal enterprises in Assam. Furthermore, the paper looks at the economic contributions of these enterprises in terms of gross value added, using a customized financial access index and logistic and linear regressions. Analysis shows that enterprises with registration have better access to financial services. The economic contribution of the sample enterprises is not significantly related to the extent of their access to financial services.
Journal of Rural Development
Journal of Rural and Development, 2012
This paper is an empirical study conducted in Nalbari district, Assam about the impact of micro-f... more This paper is an empirical study conducted in Nalbari district, Assam about the impact of micro-finance on poverty. It examines the nature of loans provided by the SHGs to its members, and finds that the amount of loans provided under the programme to its members is too small to help them cross the poverty line. Again these loans were utilised mainly for consumption purposes, followed by expenditure on current productive activities. Thus, there were only a few capital investments. But these capital investments were also not enough to provide the members full employment opportunity and sufficient income to cross the poverty line. Again it was seen that still the members of the SHGs go either to the moneylenders or to the banks for higher amount of loan. Moreover, it was found that a large segment of the SHGs are closed down. The closing of SHGs was found more in case of those formed under NABARD-sponsored SHG- Bank linkage programme and those formed under SGSY. Actually these SHGs we...
Space and Culture, India, 2014
The unorganised sector is no more considered as a residual one in the developing and in the under... more The unorganised sector is no more considered as a residual one in the developing and in the underdeveloped countries; rather it is considered as a common component of such economies. This sector is playing an important role in those countries both in terms of its contribution to the national income and employment generation. However, despite its importance, the enterprises in this sector are facing various problems. A large segment of enterprises state non-accessibility to credit is the most important problem faced by them. Moreover, existing reports and literature states that the formal financial institutions are not interested to deal with the unorganised enterprises. As a result, they have to depend on the informal sources of credit. This present paper based on secondary data analyses the various characteristics of unorganised manufacturing enterprises in Assam and their accessibility to credit. Results indicate that the average amount of outstanding loan per unorganised manufact...
The IUP Journal of Applied Economics, 2018
Assam Economic Journal, 2019
Literature state that formal financial institutions (FFIs) are not interested to provide credit t... more Literature state that formal financial institutions (FFIs) are not interested to provide credit to the unorganised sector enterprises. So, they are dependent on their owned fund and credit from informal sources to meet their requirement. Meanwhile, micro-finance has emerged as an alternative source of credit for the micro and small enterprises all over the world. This paper based on primary data tries to analyse urban unorganised sector entrepreneurs’ access to micro-credit. A LOGIT model is estimated to analyse the factors determining urban unorganised sector entrepreneurs’ access to micro-credit. It is found that smaller enterprises are more dependent on micro-credit. Further, an inverse relationship is found between unorganised sector entrepreneurs’ access to micro-credit and their access to credit from FFIs.
The Journal of Entrepreneurship
The urban unorganised sector has been a dominant characteristic feature of the developing countri... more The urban unorganised sector has been a dominant characteristic feature of the developing countries providing livelihood to a disproportionately large number of households for prolonged period. However, enterprises in this sector are often stunted by myriads of problems among which meagre access to formal financial services is a crucial constraint, as access to other enabling conditions often hinges upon access to finance. This article is based on a study of such enterprises in the Northeast Indian state of Assam, where access to finance is relatively limited in general. Using inputs from a customised survey, the article explores the extent to which the accessibility of financial services influences the growth and financial performance of the unorganised sector enterprises in Assam. Tools employed include a customised financial access index, a generalised linear model and an ordered LOGIT regression. The results show that the financial performance of the enterprises is not significa...
The Bangladesh Development Studies
Despite the presence of the informal sector in developing countries around the globe as a source ... more Despite the presence of the informal sector in developing countries around the globe as a source of livelihood for a disproportionately large number of households, a myriad of problems often held back the enterprises in the sector. Among these problems, meagre access to financial services is the most disabling, as access to other enabling conditions often hinges on access to finance. This paper examines, drawing inputs from a sample survey, the issues related to the financial accessibility of the urban informal enterprises in Assam. Furthermore, the paper looks at the economic contributions of these enterprises in terms of gross value added, using a customized financial access index and logistic and linear regressions. Analysis shows that enterprises with registration have better access to financial services. The economic contribution of the sample enterprises is not significantly related to the extent of their access to financial services.
Journal of Rural Development
Journal of Rural and Development, 2012
This paper is an empirical study conducted in Nalbari district, Assam about the impact of micro-f... more This paper is an empirical study conducted in Nalbari district, Assam about the impact of micro-finance on poverty. It examines the nature of loans provided by the SHGs to its members, and finds that the amount of loans provided under the programme to its members is too small to help them cross the poverty line. Again these loans were utilised mainly for consumption purposes, followed by expenditure on current productive activities. Thus, there were only a few capital investments. But these capital investments were also not enough to provide the members full employment opportunity and sufficient income to cross the poverty line. Again it was seen that still the members of the SHGs go either to the moneylenders or to the banks for higher amount of loan. Moreover, it was found that a large segment of the SHGs are closed down. The closing of SHGs was found more in case of those formed under NABARD-sponsored SHG- Bank linkage programme and those formed under SGSY. Actually these SHGs we...
Space and Culture, India, 2014
The unorganised sector is no more considered as a residual one in the developing and in the under... more The unorganised sector is no more considered as a residual one in the developing and in the underdeveloped countries; rather it is considered as a common component of such economies. This sector is playing an important role in those countries both in terms of its contribution to the national income and employment generation. However, despite its importance, the enterprises in this sector are facing various problems. A large segment of enterprises state non-accessibility to credit is the most important problem faced by them. Moreover, existing reports and literature states that the formal financial institutions are not interested to deal with the unorganised enterprises. As a result, they have to depend on the informal sources of credit. This present paper based on secondary data analyses the various characteristics of unorganised manufacturing enterprises in Assam and their accessibility to credit. Results indicate that the average amount of outstanding loan per unorganised manufact...
The IUP Journal of Applied Economics, 2018
Assam Economic Journal, 2019
Literature state that formal financial institutions (FFIs) are not interested to provide credit t... more Literature state that formal financial institutions (FFIs) are not interested to provide credit to the unorganised sector enterprises. So, they are dependent on their owned fund and credit from informal sources to meet their requirement. Meanwhile, micro-finance has emerged as an alternative source of credit for the micro and small enterprises all over the world. This paper based on primary data tries to analyse urban unorganised sector entrepreneurs’ access to micro-credit. A LOGIT model is estimated to analyse the factors determining urban unorganised sector entrepreneurs’ access to micro-credit. It is found that smaller enterprises are more dependent on micro-credit. Further, an inverse relationship is found between unorganised sector entrepreneurs’ access to micro-credit and their access to credit from FFIs.
The Journal of Entrepreneurship
The urban unorganised sector has been a dominant characteristic feature of the developing countri... more The urban unorganised sector has been a dominant characteristic feature of the developing countries providing livelihood to a disproportionately large number of households for prolonged period. However, enterprises in this sector are often stunted by myriads of problems among which meagre access to formal financial services is a crucial constraint, as access to other enabling conditions often hinges upon access to finance. This article is based on a study of such enterprises in the Northeast Indian state of Assam, where access to finance is relatively limited in general. Using inputs from a customised survey, the article explores the extent to which the accessibility of financial services influences the growth and financial performance of the unorganised sector enterprises in Assam. Tools employed include a customised financial access index, a generalised linear model and an ordered LOGIT regression. The results show that the financial performance of the enterprises is not significa...