Abstract

The micro, small, and medium enterprises (MSMEs) have been acknowledged as the engine of economic growth and for promoting equitable progress all over the world. Let there be any category of countries, the existence of MSMEs is predictable. The MSME sector is playing a pivotal role majorly in employment generation at low capital cost.

Purpose

In this background, the present study is chosen to explore the factors considered under the utility of loan services provided by the public sector banks. With this, the authors have tried to establish a relation between the factors under the utility of loan, utilisation of fund, and capital formation in the MSMEs.

Design/methodology

To achieve the aforesaid objectives analysis is done on the basis of primary data. The primary data has been collected from 271 respondents. The respondents are the entrepreneurs of the two selected districts of the present study. In the study, the researchers have applied exploratory factor analysis, confirmatory analysis, multiple regressions, and path analysis of the structural model. The researchers have made a deliberate attempt to build a model on the relation between utility of loan service (ULS), utilisation of fund (UF), and capital formation (CF) across the enterprises.

Findings

The model of the present study exposes that loan services provided by public sector banks are influencing to utilise the fund effectively by the entrepreneurs but not directly influencing in the formation of capital.

中文翻译：

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公共广播公司贷款服务与中小型企业资本形成之间的关系中的利用中介作用：西孟加拉邦Purba和Paschim Medinipur地区的研究

摘要

微型，小型和中型企业（MSME）被公认为是经济增长的引擎，并在全世界范围内促进了公平的进步。假设存在任何类别的国家，MSME的存在都是可以预测的。MSME部门主要在以较低资本成本创造就业机会中发挥关键作用。

目的

在这种背景下，选择本研究来探讨在公共部门银行提供的贷款服务效用下考虑的因素。以此，作者们试图在MSMEs中，在贷款效用，资金利用和资本形成等因素之间建立联系。

设计/方法

为了实现上述目标，需要在原始数据的基础上进行分析。主要数据来自271位受访者。受访者是本研究的两个选定地区的企业家。在研究中，研究人员应用了探索性因素分析，确认性分析，多元回归和结构模型的路径分析。研究人员经过精心尝试，建立了跨企业的贷款服务效用（ULS），资金利用（UF）和资本形成（CF）之间关系的模型。

发现

本研究的模型表明，公共部门银行提供的贷款服务正在影响企业家有效地使用该基金，但并未直接影响资本的形成。