TABLE 2.

1: Location of the enterprises

PARTICULARS FREQUENCY PERCENTAGE(%)

Rural 7 35

Urban 13 65

Total 20 100

FIGURE 2.1

Location of the enterprise

14

12

10

8 13

4 7

0
Rural Urban

Interpretation:

In the above table and graph, we see that 65% MSMEs belongs to urban area.
MSMEs that belongs to rural area account to 35%.
TABLE 2.2 : Gender of the Entrepreneurs

PATICULARS FREQUENCY PERCENTAGE (%)

Male 16 80
Female 4 20
Total 20 100

FIGURE 2.2

Location of the Enterprise

20%

Male
Female

80%

Interpretation:

In the above table & pie chart,we see that 80% entrepreneurs are male
entrepreneurs whereas 20% entrepreneurs are female in different MSMEs in
our selected areas of Jorhat.
 TABLE 2.3. : Age of the entrepreneurs
PARTICULARS FREQUENCY PERCENTAGE (%)
20 - 30 O 0
30 - 40 4 20
40 and above 16 80
Total 20 100

FIGURE 2.3

Age of the entrepreneur

16

16

14

12

10

8
4
6

4 0

0
20 - 30 30 - 40 40 and above

A major proportion of entrepreneurs, i.e 80% entrepreneurs are lying in the

age group of 40 and above. It can also be found that only a small percentage of
the entrepreneurs are lying in the age group of 30-40 and there is no single
entrepreneur found in the age group of 20-30 in the study area.

TABLE 2.4: Educational Qualification of the entrepreneurs

 PARTICULARS FREQUENCY PERCENTAGE
HSLC 1 5
HS 7 35
Graduation 12 60
Others 0 0
TOTAL 20 100

FIGURE 2.4.

Educational Qualification of Entrepreneur

12
12

10
7
8

4
1 0
2

0
HSLC HS Graduation Others

Interpretation
In this case, we see that 60% of the entrepreneurs are graduated. 5%
of the entrepreneurs completed HSLC while 35% completed HS.
 TABLE 2.5. : Loan taken by the entrepreneurs from Financial Institution

PARTICULARS FREQUENCY PERCENTAGE

Yes 20 100
No 0 0
TOTAL 20 100

FIGURE 2.5.

Loan taken by Entrepreneur

20

15

10

0
Yes No

Interpretation

From tha above table and graph we can see that,all entrepreneurs have
taken loan from various public and private financial institutions like Dena
Bank, Punjab National Bank, United Bank of India , State Bank of India etc.
 TABLE 2.6.: Amount of Loan taken by entrepreneurs

PARTICULARS FREQUENCY PERCENTAGE

Less than 50,000 1 5
50,000 to 1.00,000 8 40
Above 1,00,000 11 55
TOTAL 20 100

FIGURE 2.6

Amount of Loan

12 11
No. of entrepreneurs

10
8
8
6
4
1
2
0

Less than 50,000

50,000 to
1.00,000 Above 1,00,000

Loan Amount

interpretation

From the above table and graph we can see that, 40% entrepreneur have
taken loan amount rs. 100000 & above while 55% of entrepreneurs have
taken loan amount more than rs.100000 and only 5% of entrepreneurs took
loan less than 50,000 from various financial institution.
 TABLE 2.7.: Type of Financial Institution choosen by entrepreneurs to take
loan

PARTICULARS FREQUENCY PERCENTAGE

Public Bank 15 75
Private Bank 5 25
Total 20 100

FIGURE 2.7.

Type of Financial Institution

25%

Public Bank

75% Private Bank

interretation

Here, we found that 75% entrepreneur got their loan from various public
sector banks like State Bank of India,Punjab National Bank , Union Bank of
India, United Bank of India etc. 25% of entrepreneur obtained loan from
private sector bank like Axis Bank, HDFC bank etc.
 TABLE 2.8.: Duration of the loan sanction of the entrepreneurs

PARTICULARS FREQUENCY PERCENTAGE

1 Month 8 40
2 Months 1 5
3 Months 10 50
More than 3 months 1 5
TOTAL 20 100

FIGURE 2.8.

Duration of Loan Sanction

10

0
1 Month 2 Months 3 Months More than 3
months

Here we found that,in case of 50% entrepreneur Bank took 3 months to

sanctioned a loan to start their business. In case of 40% of entrepreneurs, loan
was sanctioned after 1 month only. However, 5% of entrepreneur’s loan was
sanctioned after 2 months and more than 3 months respectively.
 TABLE 2.9. : Documentation Procedure

PARTICULARS FREQUENCY PERCENTAGE

Simple 13 65
Complicated 7 35
TOTAL 20 100

FIGURE 2.9.

Documentation Procedure
14

12

10

0
Simple Complicated

interpretation

Here, we found that, documentation procedure of majority of entrepreneur

i.e 65% entrepreneur was simple in getting the loan. But, only 35%
entrepreneur found their documentation procedure complex in getting the
loan.
 TABLE 2.10: Number of Installments for payment of loan

PARTICULARS FREQUENCY PERCENTAGE

12 2 10
24 7 35
More Than 24 11 55
TOTAL 20 100

FIGURE 2.10.

Number of Installments

12

10

0
12 24 More Than 24

Interretation

From the above table and graph we found that,55% of ethe total
entrepreneur repaid their loan amount in 24 installments while 35% of
entrepreneur repaid 24 installments. Only 10 % of total entrepreneur repaid
their loan in 12 installments.
 TABLE 2.11: Moratorium period got by entrepreneurs

PARTICULARS FREQUENCY PERCENTAGE

Yes 14 70
No 6 30
TOTAL 20 100

FIGURE 2.11.

Moratorium Period

14
No. of Entrepreneurs

12
10
8
6
4
2
0
Yes No
Moratorium Period allowed

interpretation

70% of entrepreneur obtained moratorium period after getting the loan. Only
30% of entrepreneur didn’t get moratorium period to repay their installments.
 TABLE 2.12 : Expenses incurred to get Loan Sanctioned

PARTICULARS FREQUENCY PERCENTAGE

Yes 5 25
No 15 75
TOTAL 20 100

FIGURE 2.12

Expenses incurred
16
14
12
10
8
6
4
2
0
Yes No

From the above table and graph we found that, maximum no. i.e 75% of total
entrepreneurs incurred expenses to getting the loan. On the other hand,only
25% of the entrepreneurs didn’t incurred any expenses.
 TABLE 2.12 : Volume of expenses incurred to get loan sanctioned

PARTICULARS FREQUENCY PERCENTAGE

NIL 10 50
Less than 5,000 4 20
5,000-10,000 6 30
TOTAL 20 100

FIGURE 2.12.

Volume of expense

30%

50% NIL
Less than 5,000
20% 5,000-10,000

Analysis and interpretation:

The above table and figure shows expenses that entrepreneurs incurred while getting a
loan. 30% of entrepreneur incurred 5000 to 10000 and 20% of total entrepreneur incurred
less than 5000 expenses while getting a loan. Ofcourse it was also found that half of the
entrepreneur didn’t incurred any expenses to sanctioned tha loan.
 TABLE 2.13: Status of Loan Payment

PARTICULARS FREQUENCY PERCENTAGE

Completed 18 90
Still Paying 2 10
TOTAL 20 100

FIGURE 2.13

Status of Loan Payment

Completed
Still Paying

Interpretation:

In the above table and graph, we see that 90% of entrepreneurs already
completed their loan payment. On the other hand only 10% of entrepreneur
still paying their loan.