Theses And Dissertation
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Item A study on the Financial aspects of micro, small and medium enterprises in Bathinda District of Punjab, India.(Central University of Punjab, 2016) Rani, Poonam; Verma, Jainender KumarThe research entitled 'A Study on the Financial Aspects of Micro, Small and Medium Enterprises in Bathinda District of Punjab, India, is an empirical study for various financing aspects in Micro, Small and Medium Enterprises. The study is hypothesis based. The main objectives of the study to know the socio- economic conditions of entrepreneurs in Bathinda, to study the main reasons to start up the enterprises and the sources of finance at the time of establishment of enterprises in Bathinda and to examine the finance related issues in MSMEs in Bathinda. The study is based on primary data collected for the purpose from Bathinda district through purposive sampling. Percentage, frequencies, descriptive statistics, z test are used to analyse the data for testing hypothesis to fulfill the objectives of the study. MSMEs face a number of financial problems while availing credit from commercial banks as well as Government agencies. These financial institutions ask for a lot of information and data, SFCs takes quite a lot of months to take decision on extending term loans. This small sector is not in a situation to recommend guarantee required by the banking v sector. Even when small loans can be raised from Government associations the process is so burdensome that for the most part of the entrepreneurs, who either are illiterate or semiliterate, hesitate to make use of these services. In the study we found that entrepreneurs face various financial problems in Bathinda. The main reason for financing problem to entrepreneurs is that there is lack of awareness to entrepreneurs about the finance related agencies which provide financing support to them for the development of their enterprisesItem Structural changes and pattern of agricultural development in punjab economy(Central University of Punjab, 2014) Rani, Poonam; Singla, NareshThis study analyses the structural changes and pattern of agricultural development witnessed by Punjab economy over 1981-2010 period. Typically, it presents a quantitative analysis of sectoral trends in Punjab economy and its relative economic performance with major Indian states. The study finds that Punjab is no more an agrarian state. In sectoral distribution of GSDP, share of primary sector in GSDP has declined from 40 per cent in 1980-81 to 25 per cent in 2009-10, while that of secondary and tertiary sectors has increased from 17 per cent to 30.8 per cent and 42.9 per cent to 44 per cent respectively during the same period. The GSDP growth rate during 1980-81 to 2009-10 was only 3 per cent in primary sector as against 6.6 per cent in secondary and 4.76 per cent in tertiary sector. The work force engaged in agriculture (cultivators and labourers) declined from 58 per cent in 1981 to 35 per cent in 2011. The decline in capital and development expenditure and rise in non-development expenditure has a capacity to crowd out private and public investment. The relative economic performance vis-a-vis other major Indian states shows that Punjab has slipped from a leading state to a laggard state in terms of per capita income. The down turn in economic growth ii was more severe during post reform period. The pattern of agricultural development in shows that Punjab economy has developed into highly mechanized agriculture with input usage of the highest order. There is stagnation in production of major food gain crops in Punjab. Thus, there is need to rejuvenate the Punjab economy by diversifying agricultural sector to more commercial agri- business sector which will also take care of industrialization, particularly in rural areas.