Advantages And Disadvantages Of Mfi

3. Market linkages: MSEs have failed to serve their debts timely; their products could not be sold or sell at a loss. Rent seeking behaviors observed on both the MSEs and the bureau officials has exacerbated the market linkage problems. Most of the government induced linkages which target holidays and festivities create only temporary jobs. Furthermore the lack of detailed support packages and their poor implementation coupled with poor access to market information are hampering the development of MSEs. Most market supply provisions are government dependent that does not able MSE to be competent independent. Most MSE are not competent in production and service they supply.

Many of FII’s direct competitors (Sanitherm – 3% of MBR market, Enviroquip – 30% of MBR market in NA) have already invested in MBR’s. FII would lose its competitive advantage if they decided to not invest in MBR’s, which, in return, would cost FII customer and brand loyalty.

Moving ahead, SBI has to increase its reach in rural areas, Aadhar and PDS provides an

It is the front runner among the Indian private sector banks with a market capitalisation of approximately 2 trillion (largest by Mcap)

Unlike the big banks, the funding that goes into the micro credit programs all comes from locality. They don’t have shortages of money or any finical hardships due vast amount of braches in participation. Each branch

MSc PROGRAMME DEPARTMENT OF BANKING AND FINANCE FACULTY OF MANAGEMENT SCIENCE SCHOOL OF POSTGRADUATE STUDIES ANAMBRA STATE UNIVERSITY

In India the unemployment rate is 4.1% which is not bad compared to the UK which is 8.0%. M&S moving to India will provide a lot of jobs and this will have a big positive effect on M&S as they will not pay less wages to the staff compared to the UK because in the UK

As the Li-Fi uses light for transmission of data. So, the Li-Fi rays are not harmful to human body. Therefore, Li-Fi can be used in the hospitals. The various medical instruments can be made more precise and accurate by inculcating this wireless technology.

India has emerged as a trading superpower and as an increasing magnet for FDI.  Its role in the international economy to this point has been less remarked than the rise and dominance of China but increasingly India will be appreciated for the opportunities it is creating for its citizens, employers and foreign and domestic firms.

The rural and cottage industries play an important role in rural areas, resource utilisation is enhanced, employment is generated especially for traditional artisans and the weaker sections of society (Industrial Development & Progress after Independence, 2010). MSMEs’ greater labour intensity means that job creation entails lower capital costs than in larger firms which are particularly important for developing countries and economies with high unemployment. The SMEs play a major role in economic growth in the OECD area, providing the source for most new jobs. Over 95 percent of OECD enterprises are SMEs, which account for 60 percent-70 percent of employment in most of the countries. Productivity, growth and consequently economic growth are strongly influenced by the competition inherent in the birth and death, entry and exit of smaller firms. These SMEs are located in the top 5 percent-10 percent of all growing firms. At present, SMEs contribute between 25 percent-35 percent of world exports of manufactures and account for a small share of foreign direct investment. More than 95 percent of enterprises across the world are SMEs, which accounts for approximately 60 percent of private sector employment. Japan has the highest proportion of SMEs among the industrialised countries, accounting for more than 99 percent of total enterprises (EIU 2010). MSMEs have emerged as a highly dynamic and vibrant sector of Indian economy in last 5 decades. The sector besides

FM 's must use many of the financial theories discussed above to reach an appropriate balance between financing long-term projects with outside debt. In the US, only 25% of this financing comes form new debt or new equity (Ross, 2005, p. 400). As previously discussed, short term assets, namely cash, finance the day-to-day operation of the business. Since long-term financing is cheaper than short term financing, some FM 's may choose to keep enough cash in hand funded form long-term sources, so they never need to use more expensive short-term borrowing. However, long-term funds are typically obtained in large blocks and this could be inefficient (Kerr, 1997).

As the world today is moving towards technological adoption, the banking industry is no less to follow the similar pattern. Most leading banks have undertaken this front of making their organization technologically viable, but the one industry that has been left out was the MFIs.

Anderson (2002) while highlighting the characteristics of MFIs, noted that the traditional sources of finance of MSBs are from family and friends and the informal market which consists of rotating savings and credit associations (ROSCA), various “club” system pooling members’ savings for loans, village banks, buyers’ advances (both in cash and in kind) and money lenders. He however noted that they may have some access to semi-formal microfinance institutions (legally organised financial intermediaries that are not regulated by monetary authorities) such as non-profit NGOs, large village banks, suppliers who provide credit and money brokers.

Modularity will enable DCH to take an agile approach to acquiring and developing the MMIS, minimizing the costly risks commonly associated with traditional MMIS procurements and implementations.

Apart from the reasons mentioned, the money market as well as capital market witnessed the presence of private moneylenders, landlords etc. They have acted as bankers for centuries and have amassed major wealth from people of India that adversely affected capital formation. The need for a better financial institution and credit infrastructure was thus felt necessary by the planning commission when the five-year plans were initiated.