The expansion and development of the enterprises depends on adaption of technology up-gradation in the existing mechanism. The enterprises engaged in business can utilize credit facilities provided by banks for the growth of business. Despite the commercial banking activities exist in all the parts of our country, the Micro and Small Enterprises located in rural areas are still facing problems for inadequate supply of credit to improve their businesses. Banks provide credit to these enterprises after analyzing their creditworthiness as the main part of their lending process in spite of credit risk which is often faced by rural banks. The five components of Creditworthiness are the determinants for sanctioning credit and also discriminating elements according to situation that prevails in the concerned market. The credit system and procedure used by rural banks is to measure the Creditworthiness of micro & small enterprises. The system helps the bankers to weigh the characteristics of the borrowers and conditions of the loan, attempting to estimate the chance of default. The objectives of the study are to measure the commitment level and the constituents of creditworthiness through statistical tools. It is observed after analyzing the creditworthiness that Cognizance is required more to know about the banking procedures in availing credit.  The enterprises which do volume of business normally have capacity to repay credit when we compare to other enterprises. No enterprise bothers about their credit-score which is most important to provide credit facilities by rural banks. The capital is maintained according to nature of business and the age of enterprise that exist in the market. In connection with collateral no enterprise is ready to give or pledge the collateral to the bank while borrowing credit for their development of business.

KEYWORDS: Creditworthiness, Enterprises, Borrowing, Commitment, Rural, Credit