Page 85 - MUDRA ANUBHAV

Apart from the core difficulties related to risks and
incentive related to MUDRA loans, there are many
operational level challenges faced by the lenders

from the application to sanction, disbursement,
and repayment stages of any lending under PMMY.
In order to understand them and possibly provide
some solutions to them, a study was conducted,

which involved questionnaire-based research
conducted among the representatives of financial
institutions dealing in PMMY. The results of the
study are analysed below.

Demographic analysis of the Lender

In this study 215 lenders participated. The
respondents were employees of the financial
institutions who were dealing with MUDRA

offering. Majority (83.70%) of the respondents were
commercial banks (Figure No. 22).

Figure No. 22 – Type of Lender

83.72%

8.8%
5.1%
0.5% 1.9%

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