The Micro, Small and Medium Enterprises (MSMEs) play a vital role in the economic and social development of the country, often acting as a weapon for fighting against poverty. They also play a key role in the development of the economy with their effective, efficient, flexible, and innovative entrepreneurial spirit. The MSME sector contributes significantly to the country’s manufacturing output, employment, and exports and is credited with generating the highest employment growth as well as accounting for a major share of industrial production and exports.
The MSME sector in India is highly heterogeneous in terms of the size of the enterprises, variety of products, services and levels of technology. Micro, Small, and Medium Enterprises (MSME) contribute nearly 22 percent of the country’s GDP, 45 percent of the manufacturing output and 40 percent of the exports. They provide the largest share of employment after agriculture.
The book is based on a research study conducted in one of the municipal regions of Tamil Nadu. This study aims to bring out the performance, problems, and prospects of Micro Enterprises promoted under Swarna Jayanti Shahari Rozgar Yojana (SJSRY) operating in Tiruppur municipal region of Tamil Nadu. It presents how the micro-enterprises helped the members of self-help groups to come up from poverty. The book also contains the reasons for failure of micro-enterprises.
Table of Contents
I. INTRODUCTION
1.1 Statement of the problem
1.2 Research Questions
II. PROFILE OF THE URBAN LOCAL BODIES
III. REVIEW OF LITERATURE
IV. RESEARCH METHODOLOGY
4.1 Objectives of the study
4.2 Scope of the study
4.3 Hypothesis and theoretical model
4.4 Research design
4.5 Sample design
4.6 Area of the study
4.7 Study period
4.8 Sampling method and sample size
4.9 Data editing
4.10 Instrument development
4.11 Data analysis and tools
4.12 Limitations of the study
4.13 Chapter scheme
V. ANALYSIS AND INTERPRETATION
5.1 Loan repayment, business expansion and creating next generation business are the indicators for success of micro enterprise scheme
5.2 Business transaction model determines the success of micro enterprise schemes
VI. EMPIRICAL ANALYSIS ON FINANCIAL PERFORMANCE OF MICRO ENTERPRISES
6.1 Analysis on financial performances of micro enterprises
6.2 Impact of financial performance (sales, profit and revenue increase) and Success of micro enterprises
6.3 Financial performances are determined through Business transaction models by the people
6.4 Impact on financial performance (sales, profit and revenue increase due to the scheme) by demographic factors
6.5 Industrial factors such as Reason of doing business, competition, sector of industry are the reasons for financial performance
6.6 Systematic business process positively influence the financial performances of the business.
VII. REASONS FOR BUSINESS FAILURE AND EXPECTATIONS ON GOVERNMENT SUPPORT
7.1 Reasons for business failure
7.2 Reasons for failure
7.3 Support expected from Govt. other than Finance by the respondents
7.4 Factors on Expectation from government
VIII. SUMMARY OF FINDINGS, SUGGESTIONS AND CONCLUSION
8.1 Findings
8.2 Suggestions
8.3 Conclusion
8.4 Scope for further researches
Research Objectives and Key Topics
The primary aim of this research is to empirically examine the performance of the Swarna Jayanthi Shahari Rozgar Yojana (SJSRY) micro-enterprise scheme in the Tiruppur municipal region. The study seeks to validate whether specific indicators, such as loan repayment behavior, business intent, and systematic business processes, are effective predictors of scheme success and whether external demographic and industrial factors influence financial outcomes for urban beneficiaries.
- Success indicators for micro-enterprise schemes in urban local bodies.
- Impact of business transaction models on financial performance.
- Role of demographic and industrial factors in enterprise outcomes.
- Expectations of beneficiaries regarding non-financial government support.
- Causal links between repayment behavior and business sustainability.
Excerpt from the Book
4.2 Scope of the study
To attain all the above objectives, an empirical survey research is conducted among the beneficiaries of the scheme. A semi-structured interview schedule is framed for the data collection with most of the questions answerable easily by anyone. The interview schedule has been prepared in English. The researcher went to the field directly and collected the information. Sometimes, the respondents filled the interview schedule and sometimes, the researcher interviewed and filled in the same.
Summary of Chapters
I. INTRODUCTION: This chapter provides an overview of the Indian economic context, the state of urban poverty, the role of micro-enterprises, and details the problem statement and research questions.
II. PROFILE OF THE URBAN LOCAL BODIES: This section details the administrative structure, regions, and organizational setup of the urban local bodies (ULBs) currently operating in Tamil Nadu.
III. REVIEW OF LITERATURE: This chapter aggregates scholarly works, studies, and empirical research regarding micro-enterprise performance, financial inclusion, and poverty alleviation strategies.
IV. RESEARCH METHODOLOGY: This chapter outlines the research design, hypotheses, sampling strategy within the Tiruppur district, data collection techniques, and analytical tools used.
V. ANALYSIS AND INTERPRETATION: This chapter analyzes success indicators, specifically focusing on loan repayment patterns, business expansion intentions, and transaction models among beneficiaries.
VI. EMPIRICAL ANALYSIS ON FINANCIAL PERFORMANCE OF MICRO ENTERPRISES: This chapter provides a rigorous statistical analysis of financial data, assessing impacts of demographics, sector types, and systematic business processes on performance.
VII. REASONS FOR BUSINESS FAILURE AND EXPECTATIONS ON GOVERNMENT SUPPORT: This section investigates the root causes of micro-enterprise failure and evaluates the specific types of support that beneficiaries expect from the government.
VIII. SUMMARY OF FINDINGS, SUGGESTIONS AND CONCLUSION: This chapter concludes the research by summarizing key findings, providing actionable suggestions for policy improvements, and identifying scope for future research.
Keywords
Micro-enterprises, Poverty Alleviation, SJSRY, Microfinance, Financial Performance, Urban Local Bodies, Loan Repayment, Entrepreneurship, Self-Help Groups, Economic Growth, Business Sustainability, Government Schemes, India, Tamil Nadu.
Frequently Asked Questions
What is the primary focus of this publication?
The publication focuses on the performance and success of small-scale micro-enterprises promoted under the government-sponsored SJSRY scheme in the urban region of Tiruppur, India.
What are the core research themes?
The core themes include the effectiveness of micro-credit schemes, repayment behavior of loan beneficiaries, the intention of business owners to expand or change their models, and the role of government support services.
What is the main research question?
The research investigates whether factors such as loan repayment, savings, and specific business transaction models serve as empirical indicators for the long-term success of micro-enterprise schemes.
Which scientific methods are utilized in the study?
The study employs an empirical survey research approach using semi-structured interviews. Data analysis is performed using statistical tools including Percentage Analysis, Chi-Square tests, and ANOVA to analyze financial variables.
What does the main body of the work cover?
The main body covers the profile of urban local bodies, a review of existing literature, a detailed research methodology, empirical analysis of financial performance, and an exploration of business failure causes and beneficiary expectations.
Which keywords characterize this work?
Key terms include Micro-enterprises, Poverty Alleviation, SJSRY, Financial Performance, and Urban Local Bodies.
How does the business transaction model affect the success of micro-enterprises according to the study?
The study indicates that the choice of purchase and sales models (e.g., cash vs. credit) has a significant association with the financial performance and loan repayment propensity of the enterprises.
What role do family members play in the success of these micro-enterprises?
The study finds that entrepreneurs who engage other household members in their business operations tend to achieve higher average sales, suggesting that family support is a positive factor for business growth.
- Citar trabajo
- Dr. Perumal Tamizhselvan (Autor), Dr. J. Radhakrishnan (Autor), 2019, Micro Enterprises and Poverty Alleviation, Múnich, GRIN Verlag, https://www.grin.com/document/1312505
