Samran & Nazish

8/6/2019 Samran & Nazish

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Lack of finance.

Poor record keeping by SMEs, particularly

accounting information and other business.

Documentation.

Low productivity and their inability to

improve quality of products over time.

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Discourages banks.

High turnaround time owing to lack of timely

and quality information from SMEs.

Lack of skills in banks for identifying needs

and structuring the delivery of financial

assistance to SMEs.

Poor operational performance.

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inflexible security requirements and other

banking regulations.

General risk distaste by banks.

Financing for setting up, or the expansion of

the business.

[email protected]


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Limited knowledge of financing options for

SMEs.

Lengthy and awkward applicationprocedures, which discourage both SMEs and

Banks.

Problems with covering bankable loan

requests by SMEs.

[email protected]


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[email protected]


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Small BusinessFinance Corporation(SBFC)

RegionalDevelopmentFinance Corporation

Youth InvestmentPromotion Scheme

IndustrialDevelopment Bankof Pakistan

Small and MediumEnterprisesDevelopmentAuthority(SMEDA)

World Bank

Ordinance 2002

[email protected]


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Financing Program

Cottage industry textile industry and morbal

industry get much advantage from it.

63 branches are working all over the Pakistan.

It was established with the purpose of setting up

cottage industry and assist entrepreneur for selfemployment

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The mark up was kept lower; the majority

lending was towards self-employment leaving

only 2% for small industries.

In October 1992, a self-employment scheme was

also started for locally manufactured machinery

with the help of it.

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It was established in 1985.

14 branches are working all over the

Pakistan.

Head office is in Islamabad.

It participate in money market capital

market and micro credit.

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RDFC is a multi-product financial institution.

The main objective are to promote the

industrialization of the less developed areas ofthe country.

Besides financing of medium to large sized

industrial concerns RDFC has been involved indisbursing micro and small sized loans.

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It gave loan only women.

167 million loan target has been set.

86 million loan it has given.

The YIPS also launched a credit scheme in

88,/89.

It has also launched RuralIndustrialization Program to controlunemployment and strengthen themarginal household income.

[email protected]


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SMEDA is stand for small and medium

enterprises development authority it was

established in October 1998.

SMEDA was established with the objective to

provide fresh movement to the economy

through the launch of an aggressive SME

development strategy.

[email protected]


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SMEDA provides businessguidance through itshelp desk services aswell as development ofproject specific

documents.

SMEDA provide us wholefeasibility about newbusiness in a particulararea.

It is not providing loannow a days.

You can

get the

high

profit

by this

way

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Building a beneficial EnvironmentProposing and facilitating changes in Policy and

Regulatory Environment

Reducing the Cost of Doing Business

Facilitating Government-SME Interface

Developing Sectors and Clusters

Sector Studies, Strategies and Implementation

Cluster Development

Common Facility Centers (CFCs)

Provision and Facilitation of Services

Investment Facilitation

Technology, Training, Finance, Business

Information, Marketing, and legal support

Productivity and Competitiveness Improvement

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Assistance in raising finance

Financial advice

Project identification

Business plan development

Technical advice

Marketing advice (branding, labeling,

packaging, distribution, promotion, etc)

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Company incorporation, export registration

& regulatory advice.

(sales tax, custom duty, excise duty, etc)

Electronic commerce support. Business matchmaking.

Accounting & bookkeeping services.

Information services .

[email protected]


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Gems & Jewelry

Marble & Granite

Dairy Sports Goods

Furniture

Fisheries Light Engineering

[email protected]


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Pakistan Horticulture Development & Export

Board (PHDEB)

Pakistan Dairy Development Company (PDDC)

Pakistan Stone Development Company(PASDEC)

Pakistan Gems & Jewellery Development

Company (PGJDC)

Technical Up gradation & skills Development

Company (TUSDEC)

[email protected]


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IDBP is Pakistans one of the oldestdevelopment financing institution.

Its primary objective is to extend termfinance for investment in themanufacturing sectors in the economy.

[email protected]


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As a part of its services the bank offers

business development assistance through

providing information on potential small-

scale investment projects.

In this regard numerous pre-feasibility

studies have been developed for

identification of value able sub sectors.

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IssuesIdentified Percentage

Lack of finance 55%

Shortage of skilled labour 39%

Getting business site 38%

Bribes 21% Orders/Marketing of Product 28%

Lack of Knowledge 12%

Government interference 12%

Raw Material 10% License for work 8%

New Technology 8%

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Sectors SMEsyears 1990-88 1999-98 010-2009

Textiles 11.16% 13.19% 14.12%

Food &

Beverages

6.96% 5.11% 5.91%

Electrical

Machinery

5.95% 7.65% 9.64%

Chemicals 6.18% 5.96% 4.01%

MineralProducts

3.65% 4.11% 5.21%

Tobacco 5.08% 3.26% 3.24%

Total 38.98% 39.00% 42.13%

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09012120-055


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After 1960 development of smes has been

started.

Provincial level institution was established in 1972.

Indian Model was introduced & copied.

Renew infrastructure of Industry.

Industrial Estate

Facility Centers

Vocational Institution


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Punjab Small IndustriesCorporation (PSIC)

Sindh Small IndustryCorporation (SSIC)

Small IndustriesDevelopment Board

(SIDB)

Directorate OFIndustries Baluchistan

(DIB)

SMES

Development


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Promotion and Development of smes in

Punjab.

Investment Promotion. Promotion of Credit.

Common Facility Center.

Hand Craft Development.

Design Facility.


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It invest 1768.537 million to 6339 unites in 8

different regions.

14 industrial estates has been developedwith the help of it.

Metal industry, Engineering & Service center

and many other are best achievements ofPSIC.


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It gave financial assistance and education to

craftsmen.

Procurement and Distribution of rawmaterial.

Prime minister self employment Scheme.


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Industrial Estate & Financial Estate was

established with the help of SSIC.

1717

IndustrialEstate

2121

FinancialEstate


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Purposes

Development of small industry.

Focusing on man power training.

Model project.


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Training centers was established with the

help of SIDB and it trained 1372 trainees.

Development Project & Model project wasmade.

9 different industrial estates,162 plots &

4405 Jobs were created.

Financial assistance was made.


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The directorate of industries was formed

in 1976.

It looks after all the promotional schemesfor SMEs.

Further more, the directorate is also

involved in providing various kinds ofadvisory and consultancy services.


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It gives federal credit scheme (small loan scheme)

for micro & small business.

Defined their target group in year 1972-1973as enterprise with assets of less than rupees

one million.

It was redefined in 1992 and increased 20

million.

Samran & Nazish

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