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A STUDY ON THE ROLE OF PUBLIC SECTOR BANKS TO SUSTAIN MICRO ENTREPRENEURS IN TIRUNELVELI DISTRICT


Dr. Lourdes Poobala Rayen
,
Abstract

The researcher has undertaken the study of micro business entrepreneurs. Further, there is a need to know about the role of public sector banks for the promotion and sustenance of micro enterprises in Tirunelveli District. The present study was based on both primary and secondary data. Interview schedule was used to collect the primary data from the sample respondents. Stratified random sampling method was adopted to obtain responses from the micro entrepreneurs. Thus, the researcher has stratified the sample respondents for the study by 245 entrepreneurs from urban area, 214 entrepreneurs from semi-urban area and 153 entrepreneurs from rural area. Hence, the data were collected from 612 micro entrepreneurs in Tirunelveli district. In the study, it has been found that micro enterprises are considered as the backbone of the economy, and that is the reason, responsibility of banks increases. This is the right time when banks have to view themselves not just as providers of credit but as partners in the growth of these enterprises, especially for first generation entrepreneurs. All public sector banks need to ensure greater participation in the affairs of their micro enterprises clients by convergence of credit services and non-credit services. But for this bank staff also should be trained for customized training programs to meet the specific needs of micro enterprises such as knowledge of markets, both domestic and global, use of technology, etc. Banks also need to create products specifically suited to the requirements of micro enterprises and should take a longer term view of its relationship with such entities while pricing such products.

KEY WORDS: Public Sector Banks, Micro Enterprises and Micro Entrepreneurs

Keywords:
Journal Name :
EPRA International Journal of Economic and Business Review(JEBR)

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Vol : 5
Issue : 9
Month : September
Year : 2017
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