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Sinharay, Soumyadeep
- Credit Rating as an Indicator for Creditworthiness of Organizations: An Emphasis on Indian SMEs
Abstract Views :407 |
PDF Views:93
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1 Srusti Academic of Management, IN
1 Srusti Academic of Management, IN
Source
Review of Professional Management- A Journal of New Delhi Institute of Management, Vol 8, No 2 (2010), Pagination: 13-18Abstract
Over the last one decade, credit rating agencies have taken a center stage in loan disbursement process for organizations irrespective of their size. With the emergence of the recent global turmoil, the coming years will see even greater role being played by these agencies in the loan sanctioning process. This research paper focuses on the efficacy of the credit ratings and also their perceived credibility, regarding assessment of firm's creditworthiness while disbursing loans. For achieving this, firstly, this research paper intends to understand the working of various credit rating agencies in India followed by a primary research carried out with major private&public banks of India to understand their perception regarding the credibility of the reports offered by the credit rating agencies to the organizations. The paper is concerned mainly with the products and services being offered by the rating agencies for the MSME sector. This research provides valuable insights relevant for organizations like SMEs, banks and also rating agencies of our country.Keywords
SME, Loan Disbursement, Banks, Credit Rating, Credit Worthiness.Full Text
- Compatibility of Open Source Accounting Solution for Small Businesses in India–GNU Cash
Abstract Views :374 |
PDF Views:108
Authors
Affiliations
1 Futures First Info Services Pvt Ltd, Dorothy Apartment, Flat No 12; 334/9 Dr Meghnad Saha Road; Dum Dum, Kolkata - 700074, IN
1 Futures First Info Services Pvt Ltd, Dorothy Apartment, Flat No 12; 334/9 Dr Meghnad Saha Road; Dum Dum, Kolkata - 700074, IN
Source
Review of Professional Management- A Journal of New Delhi Institute of Management, Vol 9, No 2 (2011), Pagination: 27-35Abstract
The contribution of micro, small and medium industries in the panorama of Indian business is huge both in terms of share in GDP and total employment. Financial accounting is an indispensible function for any business and Most of the companies have shifted toward computerized Accounting System. Yet only around 5% of the companies in MSME sector use computerized accounts. This research explores the feasibility of using GNU Cash, a free and open source accounting software, developed by bunch of MIT people around 9 years back for Indian companies. This research paper is based on primary study of the software GNU Cash and its benchmarking to popular accounting softwares prevalent in Indian markets. This paper finds the merits of GNU Cash and makes recommendations on specific issues/features which would make the software more suitable for Indian use. Also the paper considers the key areas of accounting information generation in the real life scenarios at the voucher level. The features compared and suggested in this research paper are all relevant from business perspective in our country.Keywords
MSME, Accountancy, Software, Free Software, Open Source, Software Development.Full Text