SME Finance

Course Overview:

SME finance is the funding of small and medium-sized enterprises and represents a major function of the general business finance market – in which capital for different types of firms are supplied, acquired, and cost or price. Capital is supplied through the business finance market in the form of bank loans and overdrafts; leasing and hire-purchase arrangements; equity/corporate bond issues; venture capital or private equity; and asset-based finance such as factoring and invoice discounting.

Course Content:

Introduction:

♦ Basics of SMEs

♦ Characteristics

♦ Role in Economic Development

♦ Needs of SMEs Forms of Organisations

♦ Organisational Structures

♦ Rules & Regulations

♦ Gender & Entrepreneurial Development

Policy, Regulatory and Legal Framework

 ♦ Policy Framework for SMEs

 ♦ Policy Shifts since 1991

 ♦ Regulatory Framework

 ♦ Laws and Regulations for SMEs

 ♦ SME Development Bill, 2005

 ♦ LLPAct, Changing Policy Framework & SME Strategies

Institutional Framework & SME Financing

♦ Institutions - Central Government - SSI Board, SIDO, SISI, PPDCs, RTCs, CFTI, NISIET, NIESBUD, NSIC - State Government, Directorate of Industries, DICs, SFCs, SIDC / SIIC, SSIDC .

♦ Financial Institutions & Banks; SIDBI, Commercial Banks, RRBs and Co-op. Banks etc., - Enterprise Perspective - Banker’s Perspective.

Financing Options & Modes

♦ Sources of finance and methods of financing SMEs,relevance of quasi capital and own money in business

♦ Venture Capital, Hybrid Capital, special financial products for SMEs, Assessment of Term Finance / Working Capital for SMEs - Credit Risk Management of SMEs

♦ Appraisal, assessment, collaterals, documentation, inspection, follow-up and monitoring and review, Credit Scoring models, Standing and liquidity assessment, Credit pricing of SMEs

SME Development

♦ Business Development Service Providers - Role & Responsibilities

♦ Improving Competitiveness of SMEs through Enhancing Productivity

♦ Market Promotion and Development technological Development in SMEs

♦ Environmental Impact Assessment, Modernisation issues (technological and quality upgradation)

Clusters and Cluster Development

♦ What are Clusters

♦ Types of Clusters - Advantages and Disadvantages

♦ Role of Clusters - Setting up of Clusters

♦ Approaches to Develop Cluster Strategies

♦ Measuring Cluster Development

♦Critical Success Factors (lending economics to clusters from the angle of bankers and borrowers)

♦ Policy Environment

♦ Successful Clusters; India and Global.

SME : Rehabilitation

♦ Sickness-symptoms

♦warning signals, diagnosis and prescriptions, rehabilitation, restructuring, holding on operations, work out

♦NPA management, recovery options, legal aspects / options, securitization and exit options / alternatives

Future of SMEs

♦ Micro Finance Approach to SMEs

♦ Linkages with Agriculture and industry

♦ IT and SMEs

♦Relationship banking and its impact in SME development

♦ WTO issues, impact on SMEs

♦BASEL NORMS - globalizationissues, impact, intermediation opportunities and Emerging issues affecting SMEs.

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