Download Small firms informally financed: studies from Bangladesh, by Reazul Islam, J. D. Von Pischke, J. M. de Waard PDF
By Reazul Islam, J. D. Von Pischke, J. M. de Waard
Read Online or Download Small firms informally financed: studies from Bangladesh, Parts 63-253 PDF
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Additional info for Small firms informally financed: studies from Bangladesh, Parts 63-253
Sample text
Small Firms as Net Lenders Widespread extension of credit by small firms suggests that informal producers are a tremendous source of finance in Bangladesh. Because the clients of informal firms are predominantly other informal firms or poor individuals, small enterprises appear to be the largest and most effective providers of credit to the rest of the poor. These enterprises also create Page 8 employment and wealth for people of modest means. As such, they constitute a precious national asset.
The average start up cost of the sample is Tk. 218,000. Fixed investment (salami/construction cost, furniture, fixture) per employee (including the owner) is around Tk. 54,000. The salami-cost premises averages 50% of the start up cost (excepting two stores where the owners did their own construction at higher costs). Other assets like furniture, racks, and a fridge cost around 13%, while the initial inventory costs 33% on an average. About 70% of start-up cost was financed from the owners' savings and sales of other assets.
3). The stores by and large repay their trade credit on time and try quickly to pay off arrears. Three sample members reported defaults and one reported major consequences from default. There were losses for other reasons, too: six reported business set backs which adversely affected their relationship with suppliers. F Credit Sale of Goods All except two sample members made some sales on credit although they preferred not to. They try to limit such sales except to sizeable clients. Stores in Tongi extend more credit because they know most of the clients, and denial of credit would lead to clients' switching to other stores.