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D&B India conducted a sample survey across 10 identified clusters, in discussion

with GIZ and


SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry D&B India
conducted a sample survey across 10 identified clusters, in discussion with GIZ and
SIDBI stakeholders. At least 50 MSME respondents (enterprises) were identified for
each cluster and
well distributed across micro, small, and medium enterprises. The questions in the
questionnaire
included queries on financial information (such as assets, turnover, profit etc.),
nature of credit
requirement, and perception/experience with the banking system.
Step-wise Credit Demand Estimation Method
D&B India proposes to use two methods for estimation of credit demand2. They are
? Forecasted Turnover Methodology for Working Capital Demand based on Nayak
Committee Report
1. Cluster Turnover was estimated on the basis of the D&B India Survey of 50
enterprises in
each cluster. Turnover of the enterprises within the sample were extrapolated using
the
number of micro and small enterprises in the cluster. The number of enterprises was
taken
from the Cluster Diagnostic Study (DS) Reports3
2. The above values (calculated in 1.) were then projected to 2011-12 level using
average growth
in Index of Industrial Production (IIP)4 for the corresponding industry