06-03-2013, 02:14 PM
MICRO, SMALL & MEDIUM ENTERPRISES AN OVERVIEW
MICRO, SMALL & MEDIUM.ppt (Size: 535 KB / Downloads: 25)
Definition of MSME
In India, the enterprises have been classified broadly into two categories
Manufacturing ; and
Those engaged in providing /rendering of services.
Both categories have been further classified into micro, small and medium enterprises based on their investment in plant and machinery or on equipment. The present ceiling of investment to be classified as micro, small or medium enterprises is as under :
CREDIT GUARANTEE SCHEME
To ensure better flow of credit to micro and small enterprises by minimizing the risk perception of banks/financial institutions in lending without collateral security, the Government launched Credit Guarantee Fund Scheme for MSMEs in August 2000. this scheme covers collateral - free credit facility extended by eligible lending institutions to new and existing MSEs for loan upto Rs. 100 lakh per borrowing unit. The guarantee cover is upto 75% oif the credit sanctioned (85% in respect of loans upto Rs. 5 lakh and 80% for loans provided to MSEs owned /operated by women and all loans in the North East Region )
MSE CLUSTER DEVELOPMENT PROGRAMME
The Micro and Small Enterprises Cluster Development Programme ( MSE CDP) is implemented for holistic development of clusters of MSEs. The programme envisages measures for capacity building, skill development, technology up gradation of the enterprises, improved credit delivery, marketing support, setting up of common facility centers etc, based on diagnostic studies carried out in consultation with cluster units and their collectives and management of cluster-wide facilities by the cluster collectives.
QUALITY MANAGEMENT STANDARDS & QUALITY TECNOLOLGY TOOLS
Government of India launched a scheme, ‘Enabling Manufacturing Sector be Competitive through Quality Management Standards ( QMS) and Quality Technology Tools ( QTT) I’ in order to improve quality and productivity in the MSE sector, The scheme is aimed at improving the quality of the products in the MSE sector and inculcate the Quality consciousness in this sector. The major activities under the scheme are
Introduction of Appropriate Modules for Technical Institutions
Organizing Awareness Campaigns for MSEs
Organizing Competition-Watch ( C-Watch)
Implementation of Quality Management Standards and Quality Technology Tools in selected MSEs
Monitoring International Study Missions
Impact studies of the initiatives.
MARKETING AND PROCUREMENT
Under Government Stores Purchase Programme, various facilities are provided to enterprises registered with National Small Industries Corporation ( NSIC) in order to assist them for marketing their products in competitive environment. These facilities are
Issue of tender sets free of cost
Exemption from payment of Earnest money deposit
Waiver of Security Deposit upto the Monetary Limit for which the unit is registered
Price preference upto 15% over the quotation of large scale units,
In addition to this some items have been reserved for exclusive purchase from MSE sector.