Evaluation Study MSE Cluster Development - Ministry of Micro ...

Chapter No:2 – The General Profile of Sampled ClustersSGBCs groups is presented in Tables 2.18(a) and 2.18(b) which are Annexure 2.1 to thisChapter. These tables provide a more comprehensive perception of the constraints facedby individual units in the cluster unlike the more general table discussed above which isprimarily based on the perceptions of Cluster Development Functionaries such as theCDE and others.2.8 Access to FinanceThe availability and adequate access to finance is of critical importance to each of thefunctional units in the cluster. While financially stronger clusters having good marketdemand and prospects are likely to have adequate access to finance from banks andother financial institutions, others are likely to face problems. In Table 2.11 it is seenthat in the case of 8 of the 22 sampled clusters, the cluster functionaries report thatthere is sufficient access to finance.There are however as many as 9 clusters that report that access to finance is limited,these are clusters wherein the scale of activity and the size of the individual units islimited. From the perception of the financial institution these clusters and the unitstherein may be into activities that are relatively more risky.Table No. - 2.11: ACCESS TO FINANCE IN SAMPLED CLUSTERSPrimary Goods Based ClustersSl Cluster SufficientAccessLimitedAccess1. Bamboo Cluster Dimapur √2. Food Processing Cluster√Muzaffarpur3. Leather Goods Cluster Agra √4. Leather Goods Cluster√Shantiniketan5. Plywood Cluster Perambavoor √6. Rice Milling Cluster Karnal √7. Rice Flakes Cluster Ahmedabad √8. Rice Milling Cluster Kalady √9. Rubber Cluster Chenganacherry √NoAccess45