SURVEY NO.

: _____

SURVEY FOR CREDIT FLOW TO SME SECTOR

(This survey is for the sole purpose of collecting data for a survey carried out for summer internship project under Bank Of Baroda. Information in this survey would not be disclosed for any other purpose. We are very much grateful to you for your cooperation and time.)

Name________________________________________________________________________________ Company Name_____________________________________________________________________ Telephone no________________________________________________________________________ Address______________________________________________________________________________ 1. What type of activity you have in your industry ? A. Manufacturing B. Servicing C. Commerce & Trade D. Others (Please specify)_______________________________

2. Which is main product in factory ? Ans _________________________________________________________

3. Number of employees: A. <10 D. 100-149 B. 10-49 E. 150-199 C. 50-99 F. >200

4. Investment in Plant and Machinery A. Up to 25 lakh (micro enterprise) B. 25 lakh to 5 crs (small enterprise) C. 5 crs to 10 crs (medium enterprise)

5. Through which source your firm is financed? A. Own capital B. Money Lender C. Borrowed funds from bank D. Public Money

6. Presently with which bank you are dealing with? A. B. C. D. E. F. Bank of Baroda State Bank of India H.D.F.C I.D.B.I. Axis Bank Other_________

7. Since how many years your firm is engaged with Bank? A. B. C. D. E. 0-5 years 5-10 years 10-15 years 15-20 years 20>years

8. GIVE MARKS OUT OF 5 TO EACH OF THE ATTRIBUTES FOR THEIR IMPORTANCE WHILE MAKING Decision Loan. Please rank them on a scale of 1-5 as explained below A. B. C. D. E. Not at all satisfied Slightly satisfied Neutral Very Satisfied Extremely Satisfied

No

Parameter

Rate

Intrest Rate

Speed of Sanctioning

EMI

Repayment Penalty

Grievance redressal

Fastness of Disbursment of loan amount

Staff courtsy

9. Services you have opted for A. B. C. D. E. Cash Credit Letter of credit Term Loan Working capital finance Others (Please Specify )______________________

10. Rate of Interest A. B. C. D. E. For Cash Credit _____________________ For Letter of credit__________________ For Term Loan_______________________ For Working Capital__________________ Others(Please Specify)________________

11. Total Amount of fund taken from the following A. B. C. D. E. For Cash Credit _____________________ For Letter of credit__________________ For Term Loan_______________________ For Working Capital__________________ Others(Please Specify)________________

12. What were your problems if any? A. B. C. D. E. Insufficient collateral Project proposal not accepted Previous negative credit record Own contribution too small Other (please specify)___________________________________

13. Are you aware of government programme which affect your involvement in SME ?

A. Yes B. No

14. Do you think that regulatory definition affects growth of your firm ? I. II. III. Yes No (Please Explain)_____________________________________________________________

15. Are there any issues in registering your firm ? I. II. Yes No

16. If Yes, how long did it take to get the license ? A. Less than 1 month; B. 1 2 months; C. 2 3 months; D. 3 4 months; E. Longer than 4 months. 17. Are you satisfied with facilities availed from your bank ? I. II. Yes No Why ?(Please Explain )__________________________________________________

18. In your opinion what measures should be taken by bank to increase easy availability of credit flow ? Ans_________________________________________________________________________________________