A model to screen and improve business potential of micro and small enterprises in developing countries: Evidence from the Island of Mozambique

Programmes supporting micro and small enterprises in developing countries have been showing that capital is not enough to allow business success: survival and growth. Literature does not provide comprehensive and practical tool to support business development in this context, but allowed the collection of forty-nine success variables that were studied in a sample of successful and unsuccessful businesses in the Island of Mozambique to discover what were the key factors affecting those businesses’ performance. Empirical data gave the insights for the development of a model to screen and improve business potential of micro and small enterprises in this context.

A Study of Credit Guarantee Fund Trust for Micro and Small Enterprises with particular reference to Bank of Baroda in state of Kerala

While the quantum of advances from the public sector banks (PSBs) to the MSEs has increased over the years in absolute terms, from Rs.46, 045 crore in March 2000 to Rs.1, 85,208 crore in March 2009, the share of the 7credit to the MSE sector in the Net Bank Credit (NBC) has declined from 12.5 per cent to 10.9 per cent. Similarly, there has been a decline in the share of micro sector as a percentage of Net Bank Credit (NBC) from 7.8 per cent in March 2000 to 4.9% in March 2009. (TKA.Nair, 2010)9.The major reasons for low availability of bank finance to this sector are high risk perception of the banks in lending to MSEs and high transaction costs in processing of loan applications of MSEs. The problem is more serious for micro enterprises requiring small loans and the first generation entrepreneursThe thesis studies the divergence in guidelines by, CGTMSE, RBI & Bank of Baroda on collateral free lending and analyses the awareness of MSE about CGTMSE lending. The researcher tries to assess the problems faced by borrowers in availing advance under CGTMSE from Bank of Baroda, Kerala.

Training and the small enterprises of Latin America

Includes bibliography

Permeability of riparian forest strips in agricultural, small subtropical watersheds in south-eastern Brazil

If riparian buffer zones are ineffective in preventing C-4 plant carbon from upland areas reaching the stream sediment, the composition of stream fauna can be significantly altered. The permeability of riparian forest strips in agricultural, small subtropical watersheds in south-eastern Brazil was measured in nine watersheds categorised according to the predominant land cover of the legally required 30-m buffer riparian zone. Four watersheds with well preserved riparian forest along the 30-m buffer zone were designated as FOREST watersheds; three watersheds, with a predominance of C-4 grasses from sugarcane to pasture, mixed with preserved riparian forests, were designated MIXED watersheds; and two watersheds were termed PASTURE-SUGAR because their entire 30-m buffer zone was covered by C-4 plants. Stable carbon (delta C-13) isotopes were used as tracers of upland C-4 carbon in sediments, suspended particulate organic carbon, terrestrial and aquatic invertebrates and two species of neotropical fish. Although the intact 30-m buffer zone of riparian forests did not entirely prevent the input of C-4 to the river environment and food web, there was a significant increase in C-4 carbon in those watersheds where the buffer zone was not covered by riparian forests. These findings emphasise the importance of riparian forests in mitigating disturbance in streams and support efforts to preserve such riparian corridors.