......In order to gauge this preference of banks conversations with a small business enterprise, often referred to as micro, small and medium enterprises (MSMEs) says it all. For a micro and small business, to get loan from a bank is nightmare. This has been happening in spite of dedicated MSME branches set up by various banks and MSME lending being a part of priority sector lending. RBI data in this regard is an eye opener. More than 92% MSMEs run their business on self-finance and have no source of institutional finance......
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