The impact of commercial bank’s characteristics on micro, small, and medium enterprises in India
The paper discusses the changes in the credit distribution to the micro, small and medium enterprises (MSME) sector. It analyses the relationship between commercial banking characteristics and its credit to the sector. It builds an econometric analysis on the relationship between share of credit to...
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| Format: | Article |
| Language: | English |
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Universitas Islam Indonesia
2017-03-01
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| Series: | Economic Journal of Emerging Markets |
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| Online Access: | https://hmts.civil.uii.ac.id/JEP/article/view/6291 |
| _version_ | 1797782140415377408 |
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| author | Motiniva Nayak |
| author_facet | Motiniva Nayak |
| author_sort | Motiniva Nayak |
| collection | DOAJ |
| description |
The paper discusses the changes in the credit distribution to the micro, small and medium enterprises (MSME) sector. It analyses the relationship between commercial banking characteristics and its credit to the sector. It builds an econometric analysis on the relationship between share of credit to MSE and banking characteristics, namely the size, performance of bank, non-performing asset (NPA) out of MSME lending, and capital to risk weighted ratio (CRAR). It finds a negative relationship between the size of the bank and proportion of credit flows to the sector. It also finds that better performing banks are not interested in lending to the sector.
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| first_indexed | 2024-03-13T00:06:49Z |
| format | Article |
| id | doaj.art-775e89b8d6ff4f5dbb87a8749f8a1ce3 |
| institution | Directory Open Access Journal |
| issn | 2086-3128 2502-180X |
| language | English |
| last_indexed | 2024-03-13T00:06:49Z |
| publishDate | 2017-03-01 |
| publisher | Universitas Islam Indonesia |
| record_format | Article |
| series | Economic Journal of Emerging Markets |
| spelling | doaj.art-775e89b8d6ff4f5dbb87a8749f8a1ce32023-07-13T00:33:13ZengUniversitas Islam IndonesiaEconomic Journal of Emerging Markets2086-31282502-180X2017-03-0191The impact of commercial bank’s characteristics on micro, small, and medium enterprises in IndiaMotiniva Nayak0Centre for Economic Studies and Planning, School of Social Science, Jawaharlal Nehru University, New Delhi The paper discusses the changes in the credit distribution to the micro, small and medium enterprises (MSME) sector. It analyses the relationship between commercial banking characteristics and its credit to the sector. It builds an econometric analysis on the relationship between share of credit to MSE and banking characteristics, namely the size, performance of bank, non-performing asset (NPA) out of MSME lending, and capital to risk weighted ratio (CRAR). It finds a negative relationship between the size of the bank and proportion of credit flows to the sector. It also finds that better performing banks are not interested in lending to the sector. https://hmts.civil.uii.ac.id/JEP/article/view/6291MSMEscommercial bank cred-itbank sizebank performanceReturn on Asset |
| spellingShingle | Motiniva Nayak The impact of commercial bank’s characteristics on micro, small, and medium enterprises in India Economic Journal of Emerging Markets MSMEs commercial bank cred-it bank size bank performance Return on Asset |
| title | The impact of commercial bank’s characteristics on micro, small, and medium enterprises in India |
| title_full | The impact of commercial bank’s characteristics on micro, small, and medium enterprises in India |
| title_fullStr | The impact of commercial bank’s characteristics on micro, small, and medium enterprises in India |
| title_full_unstemmed | The impact of commercial bank’s characteristics on micro, small, and medium enterprises in India |
| title_short | The impact of commercial bank’s characteristics on micro, small, and medium enterprises in India |
| title_sort | impact of commercial bank s characteristics on micro small and medium enterprises in india |
| topic | MSMEs commercial bank cred-it bank size bank performance Return on Asset |
| url | https://hmts.civil.uii.ac.id/JEP/article/view/6291 |
| work_keys_str_mv | AT motinivanayak theimpactofcommercialbankscharacteristicsonmicrosmallandmediumenterprisesinindia AT motinivanayak impactofcommercialbankscharacteristicsonmicrosmallandmediumenterprisesinindia |