IDEAS home Printed from https://ideas.repec.org/a/sae/manlab/v39y2014i1p63-79.html
   My bibliography  Save this article

Small and Medium Enterprises’ Awareness Regarding Export Credit Delivery System

Author

Listed:
  • Fulbag Singh

    (Fulbag Singh is Professor, Department of Commerce and Business Management, Guru Nanak Dev University, Amritsar, Punjab. E-mail: fulbag_singh@yahoo.com)

  • Manpreet Kaur

    (Manpreet Kaur is an Assistant Professor in Sri Aurobindo College of Commerce and Management, Ludhiana. E-mail: man_preet198585@yahoo.com)

Abstract

Reserve Bank of India (RBI) is a regulating authority for commercial banks. It takes care that consumer interest is not ignored in the greed of making profits by commercial banks. Hence, from time-to-time, it issues guidelines in the form of master circulars to commercial banks on various issues. Commercial banks are required to offer a number of financing products to exporters to meet their varying needs as per RBI guidelines. Exporters can get their finance in Indian rupee or in foreign currency as per their requirements. But as commercial banks are there to make profits, they may not be interested in exporters’ awareness of the products giving lesser profits to the banks. Therefore, in the present study, an effort has been made to analyze the awareness level of small and medium enterprises (SMEs) exporters regarding various forms of export finance issued by commercial banks. Findings revealed a low level of awareness regarding various export financing products among SME exporters. Moreover commercial banks are not implementing RBI guidelines regarding export credit.

Suggested Citation

  • Fulbag Singh & Manpreet Kaur, 2014. "Small and Medium Enterprises’ Awareness Regarding Export Credit Delivery System," Management and Labour Studies, XLRI Jamshedpur, School of Business Management & Human Resources, vol. 39(1), pages 63-79, February.
    • Handle: RePEc:sae:manlab:v:39:y:2014:i:1:p:63-79
    DOI: 10.1177/0258042X14535159
    as

    Download full text from publisher

    File URL: https://journals.sagepub.com/doi/10.1177/0258042X14535159
    Download Restriction: no
    File URL: https://libkey.io/10.1177/0258042X14535159?utm_source=ideas
    LibKey link: if access is restricted and if your library uses this service, LibKey will redirect you to where you can use your library subscription to access this item
    ---><---

    References listed on IDEAS

    as
    1. Saibal Ghosh, 2007. "Bank Debt Use and Firm Size: Indian Evidence," Small Business Economics, Springer, vol. 29(1), pages 15-23, June.
    2. Moschos, Demetrios, 1989. "Export expansion, growth and the level of economic development: An empirical analysis," Journal of Development Economics, Elsevier, vol. 30(1), pages 93-102, January.
    3. Francesca Bartoli & Giovanni Ferri & Pierluigi Murro & Zeno Rotondi, 2014. "Bank support and export: evidence from small Italian firms," Small Business Economics, Springer, vol. 42(2), pages 245-264, February.
    4. J. Terence Zinger, 2002. "The Small Enterprise-Bank Lender Relationship: Further Empirical Evidence," Journal of Enterprising Culture (JEC), World Scientific Publishing Co. Pte. Ltd., vol. 10(03), pages 189-207.
    5. Allen N. Berger & Gregory F. Udell, 2002. "Small Business Credit Availability and Relationship Lending: The Importance of Bank Organisational Structure," Economic Journal, Royal Economic Society, vol. 112(477), pages 32-53, February.
    6. Fosu, Augustin Kwasi, 1990. "Exports and economic growth: The African case," World Development, Elsevier, vol. 18(6), pages 831-835, June.
    7. Bell, Jim, 1997. "A comparative study of the export problems of small computer software exporters in Finland, Ireland and Norway," International Business Review, Elsevier, vol. 6(6), pages 585-604, December.
    8. Petersen, Mitchell A & Rajan, Raghuram G, 1994. "The Benefits of Lending Relationships: Evidence from Small Business Data," Journal of Finance, American Finance Association, vol. 49(1), pages 3-37, March.
    9. Tannous, George F., 1997. "Financing export activities of small Canadian businesses: Exploring the constraints and possible solutions," International Business Review, Elsevier, vol. 6(4), pages 411-431, August.
    10. Sultan Singh, 2008. "A Study of the Quality of Services Provided to SSI Customers by Public Sector Banks," The IUP Journal of Bank Management, IUP Publications, vol. 0(3), pages 71-84, August.
    Full references (including those not matched with items on IDEAS)

    Most related items

    These are the items that most often cite the same works as this one and are cited by the same works as this one.
    1. Manpreet Kaur, 2015. "Bank Selection Process and Market Segmentation: Evidence from Indian Exporting SMEs," Vision, , vol. 19(2), pages 79-88, June.
    2. Ferri, Giovanni & Minetti, Raoul & Murro, Pierluigi, 2019. "Credit Relationships in the great trade collapse. Micro evidence from Europe," Journal of Financial Intermediation, Elsevier, vol. 40(C).
    3. Manpreet Kaur & Kanwaljeet Singh & Sarita Arora, 2023. "Are SMEs relationship seekers or price watchers? Target marketing implications for banks," Journal of Financial Services Marketing, Palgrave Macmillan, vol. 28(3), pages 615-625, September.
    4. Pavel Lebedev, 2019. "Management Accounting Maturity Levels Continuum Model: a Conceptual Framework," European Journal of Economics and Business Studies Articles, Revistia Research and Publishing, vol. 5, January -.
    5. Fulbag Singh & Manpreet Kaur, 2015. "Why Exporting SMEs Switch Banks?," Global Business Review, International Management Institute, vol. 16(4), pages 652-664, August.
    6. Song Zhang & Liang Han & Konstantinos Kallias & Antonios Kallias, 2021. "The value of in-person banking: evidence from U.S. small businesses," Review of Quantitative Finance and Accounting, Springer, vol. 57(4), pages 1393-1435, November.
    7. Kirschenmann, K., 2010. "The Dynamics in Requested and Granted Loan Terms when Bank and Borrower Interact Repeatedly," Other publications TiSEM 40d5005c-1626-4511-aa8a-f, Tilburg University, School of Economics and Management.
    8. Modina, Michele & Pietrovito, Filomena & Gallucci, Carmen & Formisano, Vincenzo, 2023. "Predicting SMEs’ default risk: Evidence from bank-firm relationship data," The Quarterly Review of Economics and Finance, Elsevier, vol. 89(C), pages 254-268.
    9. Bertrand, Jérémie & Burietz, Aurore, 2023. "(Loan) price and (loan officer) prejudice," Journal of Economic Behavior & Organization, Elsevier, vol. 210(C), pages 26-42.
    10. Çağatay Bircan & Ralph De Haas, 2020. "The Limits of Lending? Banks and Technology Adoption across Russia," The Review of Financial Studies, Society for Financial Studies, vol. 33(2), pages 536-609.
    11. Bertrand, Jérémie & Murro, Pierluigi, 2022. "Firm–bank “odd couples” and trade credit: Evidence from Italian small- and medium-sized enterprises," Economic Modelling, Elsevier, vol. 111(C).
    12. Théo Nicolas., 2023. "Bank Market Power and Interest Rate Setting: Why Consolidated Banking Data Matte [Pouvoir de marché des banques et fixation des taux d’intérêt : de l’importance de prendre en compte les données ban," Débats économiques et financiers 40, Banque de France.
    13. Berger, Allen N. & Espinosa-Vega, Marco A. & Frame, W. Scott & Miller, Nathan H., 2011. "Why do borrowers pledge collateral? New empirical evidence on the role of asymmetric information," Journal of Financial Intermediation, Elsevier, vol. 20(1), pages 55-70, January.
    14. Simon Cornée & David Masclet & Gervais Thenet, 2012. "Credit Relationships: Evidence from Experiments with Real Bankers," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 44(5), pages 957-980, August.
    15. Shawn Cole & Martin Kanz & Leora Klapper, 2015. "Incentivizing Calculated Risk-Taking: Evidence from an Experiment with Commercial Bank Loan Officers," Journal of Finance, American Finance Association, vol. 70(2), pages 537-575, April.
    16. Fadzil, Atikah & Masih, Mansur, 2017. "Does export lead growth? evidence from Japan," MPRA Paper 109290, University Library of Munich, Germany.
    17. Doris Neuberger & Solvig Räthke, 2009. "Microenterprises and multiple bank relationships: The case of professionals," Small Business Economics, Springer, vol. 32(2), pages 207-229, February.
    18. Anne Duquerroy & Clément Mazet-Sonilhac & Jean-Stéphane Mésonnier & Daniel Paravisini, 2022. "Bank Local Specialization," SciencePo Working papers Main hal-03812807, HAL.
    19. Arito Ono & Iichiro Uesugi, 2009. "Role of Collateral and Personal Guarantees in Relationship Lending: Evidence from Japan's SME Loan Market," Journal of Money, Credit and Banking, Blackwell Publishing, vol. 41(5), pages 935-960, August.
    20. Enrico Colombatto & Arie Melnik & Chiara Monticone, 2012. "Relationships and availability of credit to new small firms," ECONOMIA E POLITICA INDUSTRIALE, FrancoAngeli Editore, vol. 2012(1), pages 5-21.

    Corrections

    All material on this site has been provided by the respective publishers and authors. You can help correct errors and omissions. When requesting a correction, please mention this item's handle: RePEc:sae:manlab:v:39:y:2014:i:1:p:63-79. See general information about how to correct material in RePEc.

    If you have authored this item and are not yet registered with RePEc, we encourage you to do it here. This allows to link your profile to this item. It also allows you to accept potential citations to this item that we are uncertain about.

    If CitEc recognized a bibliographic reference but did not link an item in RePEc to it, you can help with this form .

    If you know of missing items citing this one, you can help us creating those links by adding the relevant references in the same way as above, for each refering item. If you are a registered author of this item, you may also want to check the "citations" tab in your RePEc Author Service profile, as there may be some citations waiting for confirmation.

    For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: SAGE Publications (email available below). General contact details of provider: http://www.xlri.ac.in/ .

    Please note that corrections may take a couple of weeks to filter through the various RePEc services.

    IDEAS is a RePEc service. RePEc uses bibliographic data supplied by the respective publishers.