1

DORANDA COLLEGE, RANCHI

(A Constituent Unit of Ranchi University, Ranchi)

A PROJECT REPORT
ON

ROLE OF FINANCIAL INSTITIONS IN FINANCING SMALL SCALE

INDUSRIES
IN PARTIAL FULFILLMENT OF BACHELOR OF COMMERCE PROGRAM, UNDER
RANCHI UNIVERSITY, RANCHI

UNDER THE GUIDANCE OF

MR. ROSHAN KUMAR (DEPT. OF COMMERCE)

SUBMITTED BY:

Name: - ANISHA SINGH

Exam roll no: - 18BC8170233
Class roll no: - 337
B.com (Honours) Sem: - VI
Session: - 2018-2021
2

DECLARATION

I ANISHA SINGH hereby declare that the project title ROLE OF FINANCIAL
INSTITIONS IN FINANCING SMALL SCALE INDUSRIES has been prepared by me
and submitted under B.Com (Honours) curriculum. All the information, facts and figures are
collected by me and are first hand in nature.

Any resemblance from existing work is purely coincidental in nature.

Name of Candidate: - ANISHA SINGH

Class Roll No: - 337
Exam Roll No: -18BC8170233
Session: - 2018-2021

Signature of the candidate

3

CERTIFICATE

This is to certify that project has been submitted by ANISHA SINGH a student of B.com
(Honours) semester VI, Session – 2018-2021 bearing Exam Roll No- 18BC8170233 of
Doranda College, Ranchi on a given Topic ROLE OF FINANCIAL INSTITIONS IN
FINANCING SMALL SCALE INDUSRIES

This is for partial fulfillment or requirement for the award of BACHELOR OF COMMERCE
(Honours) under Ranchi University, Ranchi. The work done by him is appreciable of an
outstanding level.

I wish him every success in his life.

Internal Guide HOD External Guide

Dept. Of commerce Dept. Of commerce
4

AKNOWLEDGEMENT
I take this opportunity with much pleasure to thanks the all the people who have helped me
through the course of my journey toward producing this project. I sincerely thank my Project
guide MR. ROSHAN KUMAR Dept of commerce, for his guidance, help and motivation.
Apart from the subject of my research, I learnt a lot from him, I am sure will be useful in
different stage of my life. I would like to express my gratitude to Dr. S. Chaturvedi HOD,
Dept of Commerce, for his review and many helpful comments.

I am especially grateful to my colleagues for their assistance, criticism, and useful insights. I
would like to acknowledge the support and encouragement of my friends. My sincere gratitude
also goes to all those who instructed and taught me through the years.

Finally, this Project would not have been possible without the confidence enduranceand
support of my family. My family has always been a source of inspiration and encouragement.
I wish to thanks my parents, whose love, teaching and support have bought me this far.

Name of the Student

5

INDEX

A. INTRODUCTION……………………………………………………………...6- 7

B. MICRO FINANCE DEFINITION……………………………………………...7-9

C. CONCEPT AND FEATURES OF MICRO FINANCE………………………9-11

D. AUTHOR:S VIEWS……………………………………………………………11-40

E. ORIGIN AND EVOLUTION OF MISRO FINANCE…………………………40-43

F. ENTITIES IN MICRO FINANCE…………………………………………....45-46

G. NEED OF MICRO FINANCE…………………………………………………52-54

H. MICRO FINANCE IN INDIA………………………………………………….61-68

I. SELF HELP GROUPS (SHGs)………………………………………………68-70

J. GRAMEEN BANK…………………………………………………………….79-84

K. COMMERCIAL BANKS AS MICRO FINANCE VEHICLE…………………87-95