Financial Access and Business Performance of Urban Unorganised Sector Enterprises: A Study of Assam in Northeast India

Prasenjit Bujar Baruah and M. P. Bezbaruah

Journal of Entrepreneurship and Innovation in Emerging Economies, 2020, vol. 29, issue 1, 119-147

Abstract: The urban unorganised sector has been a dominant characteristic feature of the developing countries providing livelihood to a disproportionately large number of households for prolonged period. However, enterprises in this sector are often stunted by myriads of problems among which meagre access to formal financial services is a crucial constraint, as access to other enabling conditions often hinges upon access to finance. This article is based on a study of such enterprises in the Northeast Indian state of Assam, where access to finance is relatively limited in general. Using inputs from a customised survey, the article explores the extent to which the accessibility of financial services influences the growth and financial performance of the unorganised sector enterprises in Assam. Tools employed include a customised financial access index, a generalised linear model and an ordered LOGIT regression. The results show that the financial performance of the enterprises is not significantly associated with the extent of their financial access, but their growth is critically dependent on it.

Keywords: Financial access; urban unorganised sector; financial performance; growth performance; Assam (search for similar items in EconPapers)
Date: 2020
References: View references in EconPapers View complete reference list from CitEc
Citations: View citations in EconPapers (1)

Downloads: (external link)
https://journals.sagepub.com/doi/10.1177/0971355719893502 (text/html)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:sae:jouent:v:29:y:2020:i:1:p:119-147

DOI: 10.1177/0971355719893502

Access Statistics for this article

More articles in Journal of Entrepreneurship and Innovation in Emerging Economies from Entrepreneurship Development Institute of India
Bibliographic data for series maintained by SAGE Publications ().