Voices of India’s MSMEs: Insights notes from the diaries access to finance

• by Rahul Chatterjee, Rajarshi Dutta, Kanishkaa Chopra and Anjali Lalchandani
• May 18, 2023
• 1 min
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The third edition discusses insights into the financial lives of IEs and how they access finance. The note unfolds the trends in incomes, expenses, and savings of IEs and their overall financial behavior.

The third in this series of notes, Insights note-Edition 3, covers aspects related to the status of access to finance among India’s informal enterprises (IEs). Despite several initiatives by the Government of India, access to finance remains a critical issue among IEs due to several challenges that this note delves into.

The note discusses examples from MSC’s Financial Diaries research on IEs to validate the findings. It also provides recommendations for policymakers and financial service providers to address the credit gap for IEs.