Voices of India’s MSMEs: Insights Notes From the Diaries Access to Finance

The third in this series of notes, Insights note-Edition 3, covers aspects related to the status of access to finance among India’s informal enterprises (IEs). Despite several initiatives by the Government of India, access to finance remains a critical issue among IEs due to several challenges that this note delves into.

The note discusses examples from MSC’s Financial Diaries research on IEs to validate the findings. It also provides recommendations for policymakers and financial service providers to address the credit gap for IEs.