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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM54057
Volume:
9 |
11 |
Nov 2025
Pages:
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
Small businesses in semi-urban and rural India play a crucial role in local economic development. Yet, access to formal credit remains a major challenge. This research focuses on small business owners in Karera, District Shivpuri, who frequently approach tax consultants for GST/ITR filing and financial documentation required for bank loans. The study identifies constraints such as lack of financial literacy, incomplete documentation, poor credit history, insufficient collateral, and inconsistent income proofs. The research proposes recommendations to simplify loan processes through digitization, financial awareness, and consultant-driven document preparation.
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Publication Date
11/18/2025
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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Conflict of Interest
The authors declare no conflict of interest related to this research work.
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No funding information available for this research.
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