Microenterprises

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What is Microenterprise?
Types, Advantages and effect on economy. Pakistan perspective.

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  • A microenterprise is a type of small business having five or fewer employees and requiring seed capital of not more than $35,000. Because microenterprises typically have little to no access to the commercial banking sector, they often rely on "micro-loans" or microcredit in order to be financed.
  • Microenterprises

    1. 1. MICRO-ENTERPRISE CREDIT PRESENTED BY KHAWAJA NAVEED HAIDER 073605-085
    2. 2. WHAT IS MICRO-ENTERPRISE? <ul><li>Also Called Micro-Business </li></ul><ul><li>Small Business </li></ul><ul><li>Less Than Ten Employees </li></ul><ul><li>Capital Less Than US $35,000 </li></ul><ul><li>Rely On Micro-Loans </li></ul>
    3. 3. ADVANTAGES OF MICROENTERPRISES <ul><li>Starting With Low Cost </li></ul><ul><li>Part Time or Full Time </li></ul><ul><li>Plays Vital Role in The Economy </li></ul><ul><li>Low Risk Is Involved </li></ul><ul><li>Easy Decision Making </li></ul><ul><li>Help in Decreasing Unemployment Rate </li></ul>
    4. 4. TYPES OF MICROENTERPRISES <ul><li>There are two types of micro-enterprises </li></ul><ul><ul><li>Co-operative </li></ul></ul><ul><ul><li>Single Owner </li></ul></ul>
    5. 5. BUSINESES UNDER MICROENTERPRISES <ul><li>Here is the list of some micro businesses which can be found anywhere in the world. </li></ul><ul><ul><ul><li>Local General Store </li></ul></ul></ul><ul><ul><ul><li>Medical Store </li></ul></ul></ul><ul><ul><ul><li>Small Sewing Plant </li></ul></ul></ul><ul><ul><ul><li>Currency Exchange </li></ul></ul></ul><ul><ul><ul><li>Fabric Shop </li></ul></ul></ul>
    6. 6. FACTS ABOUT MICROENTERPRISES (USA) <ul><li>There are an estimated 24 million micro enterprises in the US today </li></ul><ul><li>More than 87% of all businesses in the US today are micro enterprises </li></ul><ul><li>More than 4.5 million new jobs were created in the United States by micro enterprises between 2000 and 2005 </li></ul><ul><li>On average, micro enterprises are responsible for 900,000 new jobs created per year </li></ul><ul><li>In 2002 micro enterprises created close to 1 million new jobs </li></ul>
    7. 8. SOURCE OF FUNDING <ul><li>Micro enterprises can be funded by some various sources. </li></ul><ul><ul><ul><li>Self-financing by the owner through cash </li></ul></ul></ul><ul><ul><ul><li>Loans from friends and relatives </li></ul></ul></ul><ul><ul><ul><li>Loan from Micro-Finance Banks </li></ul></ul></ul><ul><ul><ul><li>Small Partnership </li></ul></ul></ul>
    8. 9. MICROFINANCE BANKS (MFBs) IN PAKITAN <ul><li>KASHF MICROFINANCE BANK LIMITED </li></ul><ul><li>KHUSHHALI BANK LIMITED </li></ul><ul><li>ROZGAR MICROFINANCE BANK LIMITED </li></ul><ul><li>TAMEER MICRO FINANCE BANK LIMITED </li></ul><ul><li>PAK OMAN MICROFINANCE BANK LIMITED </li></ul><ul><li>THE FIRST MICRO FINANCE BANK LIMITED </li></ul><ul><li>KASHF is supporting 14,148 people with the amount of Rupees 419,940,884 </li></ul>
    9. 10. ROLE OF SMALL BUSINESES IN THE ECONOMY <ul><li>Contribute to the GDP around four times as much as the large scale industries in Pakistan </li></ul><ul><li>Facilitate More People In The Nation </li></ul><ul><li>Decrease Unemployment Rate </li></ul><ul><li>Decrease the poverty </li></ul>
    10. 13. RECOMMENDATIONS <ul><li>Decrease the interest rate </li></ul><ul><li>Easy installments of loans </li></ul><ul><li>Females should come out for business </li></ul><ul><li>Form Micro enterprise association </li></ul>

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