Barriers Faced By Micro, Small And Medium Enterprises In Raising Finance

Worldwide, Micro, Small and Medium Enterprises (MSMEs) have been accepted as an engine of economic growth and for promoting equitable development. In developing countries including India, Micro, Small and Medium Enterprises sector constitute an important part in its development. In spite of this importance, this sector face number of constraints like absence of adequate and timely supply of bank finance, difficulties in procuring raw materials, marketing and distribution challenges and non availability of suitable technology. Review of literature found that there exists problem in accessing finance from banks and financial institutions and this problem may differ from region to region, between sectors, or between individual enterprises within a sector. This paper tries to identify the various barriers faced by these units in raising finance and also try to identify the various sources of finance other than banks. The study is based upon the primary data collected from the 200 MSMEs owners in Kozhikode District of Kerala. The data has been analysed with the help of percentage. The study attempts to submit some recommendations to enhance the overall credit accessibility to MSMEs sector

Process Improvement of Coir Pith Degradation Involving White Rot Fungi By Substitution of Urea With Nitrogen Fixing Bacteria and Application of Biodegraded Coir Pith as Plant Growth Medium

In this study, a novel improved technology could be developed to convert the recalcitrant coir pith into environmental friendly organic manure. The standard method of composting involves the substitution of urea with nitrogen fixing bacteria viz. Azotobacter vinelandii and Azospirillum brasilense leading to the development of an improved method of coir pith. The combined action of the microorganisms could enhance the biodegradation of coir pith. In the present study, Pleurotus sajor caju, an edible mushroom which has the ability to degrade coir pith, and the addition of nitrogen fixing bacteria like Azotobacter vinelandii and Azospirillum brasilense could accelerate the action of the fungi on coir pith. The use of these microorganisms brings about definite changes in the NPK, Ammonia, Organic Carbon and Lignin contents in coir pith. This study will encourage the use of biodegraded coir pith as organic manure for agri/horti purpose to get better yields and can serve as a better technology to solve the problem of accumulated coir pith in coir based industries

Microbial use of organic substrates and maize growth, especially in saline and alkaline soils of Pakistani Punjab

This thesis consists of 4 main parts: (1) impact of growing maize on the decomposition of incorporated fresh alfalfa residues, (2) relationships between soil biological and other soil properties in saline and alkaline arable soils from the Pakistani Punjab, (3) decomposition of compost and plant residues in Pakistani soils along a gradient in salinity, and (4) interactions of compost and triple superphosphate on the growth of maize in a saline Pakistani soil. These 4 chapters are framed by a General Introduction and a Conclusions section. (1) In the first study, the effects of growing maize plants on the microbial decomposition of freshly chopped alfalfa residues was investigated in a 90-day pot experiment using a sandy arable soil. Assuming that the addition of alfalfa residues did not affect the decomposition of native soil organic matter, only 27% of the alfalfa residues were found as CO2. This suggests that a considerable part of alfalfa-C remained undecomposed in the soil. However, only 6% of the alfalfa residues could be recovered as plant remains in treatment with solely alfalfa residues. Based on d13C values, it was calculated that plant remains in treatment maize + alfalfa residues contained 14.7% alfalfa residues and 85.3% maize root remains. This means 60% more alfalfa-C was recovered in this treatment. (2) In the second study, the interactions between soil physical, soil chemical and soil biological properties were analysed in 30 Pakistani soils from alkaline and saline arable sites differing strongly in salinisation and in soil pH. The soil biological properties were differentiated into indices for microbial activity, microbial biomass, and community structure with the aim of assessing their potential as soil fertility indices. (3) In the third study, 3 organic amendments (compost, maize straw and pea straw) were added to 5 Pakistani soils from a gradient in salinity. Although salinity has depressive effects on microbial biomass C, biomass N, biomass P, and ergosterol, the clear gradient according to the soil salt concentration was not reflected by the soil microbial properties. The addition of the 3 organic amendments always increased the contents of the microbial indices analysed. The amendment-induced increase was especially strong for microbial biomass P and reflected the total P content of the added substrates. (4) The fourth study was greenhouse pot experiment with different combinations of compost and triple superphosphate amendments to investigate the interactions between plant growth, microbial biomass formation and compost decomposition in a strongly saline Pakistani arable soil in comparison to a non-saline German arable soil. The Pakistani soil had a 2 times lower content of ergosterol, a 4 times lower contents of microbial biomass C, biomass N and biomass P, but nearly a 20 times lower content of NaHCO3 extractable P. The addition of 1% compost always had positive effects on the microbial properties and also on the content of NaHCO3 extractable P. The addition of superphosphate induced a strong and similar absolute increase in microbial biomass P in both soils.

Does the collective strategy ensure the small and medium sized perdurability?

El posicionamiento estratégico se define como el punto de partida de toda reflexión de la organización (por más pequeña que sea) que pretende poner un lugar dentro de la empresa el”give back” del propio rendimiento. En el caso de la estrategia colectiva, no sólo hay una visión de un dirigente (manager), al contrario hay una gran cantidad de visiones de diferentes gestores, que tendrá que tomar decisiones comunes beneficiosas para sus propios intereses y el común de los intereses de cada empresa. Por lo tanto, es esencial que la situación actual y los objetivos a alcanzar estén claramente definidos desde el comienzo de la elaboración de la estrategia, para evitar las posibles divergencias que puedan poner en riesgo la coherencia de la estrategia. Con los problemas encontrados en la PYME francesa, como el inicio de la actividad, los problemas financieros, la integración organizativa y la competencia y el desarrollo de productos, la estrategia colectiva aparece como una posible solución que permite a la PYME perdurar en el tiempo. En Francia, impulsada por el Gobierno y otras instituciones financieras y administrativas, esta estrategia ha conseguido resultados que antes no se habían pensado, como lo demuestra el estudio de modelo urbano el cuál es presentado en esta investigación. Esta es la razón y el por qué se eligió este tema.

The Intrapreneur Innovation:Led by Medium and Small Size Companies‘Managers*(Qualitative Research)

This research is focused on an exploratory study developed with Pymes managers and theirroles as intrapreneurs. Using their leadership to impel innovation into organizations.Looking to determined how Pymes employers incentive into organizations individuals or groupinnovations. Therefore, it is possible to think that managers lead the innovation process, whichis classified gradually according to companies needs in order to improve their competitiveness.Organization must have intrapreneuring and organized culture with flexible structure to generateindividual autonomy. A characteristic is the amount of capital risk needed; that is why it isnecessary encourage their work and their risk tolerance.