This study was sponsored by GIZ and involved microenterprises in garment cluster in Delhi-NCR who were provided loans by SIDBI and Satin Creditcare Network Limited (Satin) under a pilot project. These loans were provided under the Micro Small and Medium Enterprise Financing and Development (MSME – F&D) project being implemented by Small Industries Development Bank of India (SIDBI) with the Ministry of Finance, Government of India.
The objective of this study was to analyze and document the impact of the project on the microenterprises as well as to identify key bottlenecks that constrained the effectiveness of the project. The study involved primary survey of microenterprises with the help of a structured questionnaire. Discussions with key stakeholders in GIZ, SIDBI and Satin helped the research team to identify important impact dimensions as well as constraints. The survey covered about 50 clients who received loans from Satin and SIDBI.
Impact of the loan on production capacity, asset base and profitability of the enterprises were analyzed. Repayment performances of the loans were also analyzed. The study also identified key lessons from the pilot and provided suggestions for improving overall impact.
Feasibility study – creating a community based organisation
Royal Bank of Scotland Foundation in India (RBSFI) provided grant to an NGO in Orissa to diversify livelihood options through micro enterprise development for promoting sustainable livelihoods and economic empowerment of rural women. M2i was contracted to study the feasibility of creating a community owned organization involving beneficiaries of the project.
This study had the following two specific components
- Advice on a suitable legal structure for the Community Institution
- Process of transfer of assets from the NGO to the new institution