APPENDIX ‘A’

Questionnaire-1
Questionnaire: For data collection from Micro, Small & Medium
Enterprises from the Meerut District Uttar Pradesh, India.

I should be very grateful if you could spend some time to respond to these
questions for my research work. You are assured that any information
provided would be used for academic purposes only and will be held
strictly confidential.

Please, tick [√] or fill in as appropriate.

A. DEMOGRAPHICS (To provide a detailed profile of Small and Medium

Scale Enterprises)

1. When did your business begin operations? ...........................................

2. What was the objective for establishing your business? ......................

.........................................................................................................................

3. What is your line of business?

a. Manufacturing

b. Commerce

c. Service

d. Others (Please specify).............................

4. How many people have you employed?

a. Less than 5 people

b. 5-9 people

c. 10-19 people

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 d. 20-99 people

e. Above 100

5. What is (are) the source(s) of your business capital?

a. Self

b. Friends &Relatives

c. Partnership

d. loans from banks & finance institutions

e. Others (Please specify).....................

6. Do you have adequate capital for your business?

a. Yes

b. No

7. If NO, in what ways do you intend to acquire additional capital for

your business?
.........................................................................................................................
.........................................................................................................................
.........................................................................................................................

B. THE CONTRIBUTION OF MFIs IN THE OPERATIONS OF

MSMEs

8. Do you know about the operations of Microfinance Institutions?

a. Yes

b. No

9. If Yes, how did you get to Know about Microfinance Institutions

(MFIs)?

a. Friends

b. Media

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 c. MFI official

d. Handbill

e. Others (please specify)................

10. Have you ever benefited from any services of Microfinance

Institution(s)?

a. Yes

b. No

11. Which products of Microfinance Institutions have you benefited

from?

a. Credits

b. Financial & Management training

c. Others (please specify).....................

12. Has the availability of MFIs contributed to the enhancement of

your managerial skill, financial management skill and overall business
knowledge?

a. Yes

b. No

13. Have you ever applied for credit facility from any MFI?

a. Yes

b. No

14. What percentage of loan applied was granted?

a. 100 percent

b. 75-99 percent

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 c. 50-74 percent

d. Less than 50 percent

15. How long does it take to access credit from your MFI?

a. Less than a week

b. 1-2 weeks

c. 2 -3 weeks

d. 3-4 weeks

e. above 4 weeks

16. How many Microfinance Institutions do you work with?

a. None

b. 1

c. 2

d. 3

e. 4

f. 5 and above

17. Do you access more credit from MFIs than the traditional banks?

a. Yes

b. No

18. What were your expectations about MFIs before doing business
with them?

.........................................................................................................................
.........................................................................................................................
.....................................................................................................................

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19. Have these expectations been met?

a. Yes

b. No

20. In general, how has the existence of MFIs affected your business?

a. Don't know

b. Positive

c. Negative

d. Unchanged

C. THE CHALLENGES FACED IN ACCESSING CREDITS

21. What kind of credit do you normally request from MFIs?

a. Short term

b. Medium term

c. Long term

22. How many times have you applied for loans from MFIs? .................

23. Out of the number of times you applied for loans, how many times
were you successful in getting the loan? .....................................................

24. Do you find the criteria for accessing loans from MFIs
cumbersome?

Yes

No

25. Do MFIs always require collateral securities before granting loans?

a. Yes

b. No

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26. What kind of collateral do they request?

a. Land

b. House

c. Car

d. Shop

e. Other (Please specify).....................

27. Do you always get the collateral requested?

a. Yes[ ]

b. No [ ]

28. What are the major challenges you face in accessing loans from
MFIs?..............................................................................................................
.........................................................................................................................
.........................................................................................................................

D. THE RATE OF UTILIZATION OF CREDITS BY MSMEs

29. How often do you need a loan for your business?

a. Not often

b. Often

c. Very often

d. Not sure

30. How often do you apply for loans from MFIs?

a. Not often

b. Often

c. Very often

d. Not sure

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31. Have you ever felt the need to acquire a loan for other purposes
apart from business?

a. Yes

b. No

32. Have you ever used loans for other purposes apart from business
purposes?

a. Yes

b. No

33. Do you always use exactly what you acquired as loan for solely
business use?

a. Yes

b. No

34. Apart from your business, what other purposes do you use your
loans for? .......................................................................................................

35. Do the loans acquire lead to increase in your capital?

a. Yes

b. No

36. Kindly suggest how credit misappropriation can be avoided.

.........................................................................................................................
.........................................................................................................................
.........................................................................................................................
.........................................................................................................................
.........................................................................................................................
.........................................................................................................................
.....................................................................................................................

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 APPENDIX ‘B’
Questionnaire-2
Questionnaire: For data collection from Microfinance Institutions (MFIs).

I should be very grateful if you could spend some time to respond to these
questions for research work. You are assured that any information provided
would be used for academic purposes only and will be held strictly
confidential.

Please, tick [√] or fill in as appropriate.

A. DEMOGRAPHICS (To provide a detailed profile of Microfinance

Institutions)

1. When did your Microfinance Institution (MFI) begin operations?

.........................................................................................................................

2. What was the main objective for establishing this Microfinance

Institution?

.........................................................................................................................
.........................................................................................................................
3. What products do you provide?

a. Savings

b. Loan/Credit

c. Investment

d. Non - financial services

e. Others (Please specify)..............................

4. Which category of SMEs serves as your target market?

a. Manufacturing

b. Commerce

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 c. Service

d. Others (Please specify)................

5. Which category of SMEs patronizes your products the most?

a. Manufacturing

b. Commerce

c. Service

d. Others (Please specify).................

6. What challenges do you face in doing business with SMEs?

.........................................................................................................................
.........................................................................................................................
B. THE CONTRIBUTION OF MFIs IN THE GROWTH OF MICRO,
SMALL & MEDIUM ENTERPRISES

7. Do you know about the activities of MSMEs?

a. Yes

b. No

8. What kind of credit facility do you offer?

a. Long term

b. Medium term

c. Short term

9. What percentage of loans requested do you grant?

a. 100 percent

b. 75-99 percent

c. 50-74 percent

d. Less than 50 percent

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10. How long does it take to process and disburse credits?

a. Less than a week

b. 1-2 weeks

c. 2 -3 weeks

d. 3-4 weeks

e. above 4 weeks

11. What are your criteria for providing credit?

.........................................................................................................................
.........................................................................................................................
.........................................................................................................................
12. Do you find the criteria for loan processing cumbersome?

Yes

No

13. Do you always require collateral securities before granting loans to

MSMEs?

a. Yes

b. No

14. What kind of collateral do you request?

a. Land

b. House

c. Car

d. Shop

e. Other (Please specify)...................

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15. Do MSMEs always get the collateral requested?

a. Yes

b. No

16. What percentage of total applicants qualify for loans within a

month?

a. less than 25 [ ]

b. 26 to 50 [ ]

c. 51 to 75 [ ]

d. 76 to 100 [ ]

C. THE CHALLENGES SMEs FACE IN ACCESSING CREDITS

17. Do you face any challenges in granting credits to SMEs?

a. Yes [ ]

b. No [ ]

18. If yes, kindly provide the challenges you face in granting credits to
MSMEs.

.........................................................................................................................
.........................................................................................................................
D. THE RATE OF CREDIT UTILIZATION BY MSMEs

19. How often do your regular clients request for credit?

a. Not Often

b. Often

c. Very Often

d. Not sure

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20. As per your evaluation, do loans granted lead to growth in their
businesses?

a. Yes

b. No

21. In your own evaluation, do you think clients use all loans granted
for business activities?

a. Yes

b. No

22. If no, what activities do you know clients use the loans for?

.........................................................................................................................
.........................................................................................................................
.........................................................................................................................
23. Kindly suggest how credit misappropriation can be avoided.

.........................................................................................................................
.........................................................................................................................
.........................................................................................................................
.....................................................................................................................

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