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Biju Patnaik College of Sci. & Edu.
SUBJECT-
TOPIC-
ROLE AND IMPACT OF MSME's SECTOR IN THE ECONOMIC DEVELOPMENT OF ODISHA
Business Research Methods and Project work
SUBMITTED BY-
NAME- R.DINESH RAO
YEAR- +3 6th SEMESTER
ROLL NO-2003010190290001
GUIDED BY -
MR.SANDEEP KUMAR DAS
LECTURER IN COMMERCE
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D EGREE) COLLEGE OF SCIENCE
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CERTIFICATE
R.DINESH RAO
MR.SANDEEP KUMAR DAS
LECTURER IN COMMERCE
EXTERNAL
THIS IS CERTIFY THAT R.DINESH RAO, A
STUDENT OF +3 6TH SEMESTER HAS
SUCCESSFULLY COMPLETED THE PROJECT ON
ROLE AND IMPACT OF MSMES SECTOR IN THE
ECONOMIC DEVELOPMENT OF ODISHA UNDER
THE GUIDANCE OF MR.SANDEEP KUMAR DAS
(LECTURE IN COMMERCE) DURING YEAR 2022-23
IN PARTIAL FULFILLMENT OF BUSINESS
RESEARCH METHODS AND PROJECT WORK
CONDUCTED BY UTKAL UNIVERSITY
BHUBANESWAR.
DECLARATION
I HERE DECLARE THAT THE PROJECT ENTITLED “ROLE
AND IMPACT OF MSME’s SECTOR IN THE ECONOMIC
DEVELOPMENT OF ODISHA” SUBMITTED BY ME TO THE
UTKAL UNIVERSITY,VANI-VIHAR,BHUBANESWAR, IN
PARTIAL FULFILMENT OF THE REQUIRED FOR THE
DEGREE IN B.COM. THIS RECORD OF BONFIDE PROJECT
WORK CARRIED OUT BY ME UNDER THE GUIDANCE OF
MR.SANDEEP KUMAR DAS.
I ALSO DECLARE THAT THE PROJECT REPORT HAS
NOT BEEN PREVIOUSLY SUBMITTED TO ANY OTHER
UNIVERSITY.
R.DINESH RAO
UNIVERSITY ROLL NO-2003010190290001
ACKNOWLEDGEMENT
R.DINESH RAO
I TAKE THE OPPORTUNITY TO EXPRESS OUR
GRATITUDE TO ALL THE CONCERNED PEOPLE WHO
HAVE DIRECTLY OR INDIRECTLY CONTRIBUTED
TOWARDS COMPLETION OF THIS PROJECT. I EXTEND
MY SINCERE GRATITUDE TOWARDS HAL FOR
PROVIDING THE OPPORTUNITY AND RESOURCES TO
WORK ON THIS PROJECT.
I AM EXTREMELY GRATEFUL TO ALL THE FACULTY
OF UTKAL UNIVERSITY, WHOSE INSIGHT
ENCOURAGE ME TO GO BEYOND THE SCOPE OF
PROJECT AND THIS BROADENED ME LEARNING ON
THIS PROJECT.
I ALSO WANT TO SHOW MY GRATITUDE TO WHOSE
INSIGHT HELPED ME TO COMPLETE THIS PROJECT.
HEADING SUB HEADING
1.INTRODUCTION MEANING OF MSME
2.LITERATURE REVIEW
3.RESEARCH GAP
POLICIES
•INDUSTRIAL POLICY
•MSME's DEVELOPMENT POLICY
•ODISHA FOOD PROCESSING POLICY
•ODISHA START-UP POLICY
•ODISHA PROCUREMENT PREFERENCE
POLICY
4.OBJECTIVE OF THE
STUDY
5.METHODOLOGY TOOLS AND TECHNIQUES
6.ANALYSIS
INTERPRETATION
•TABLE-1
•GRAPH-1
•GRAPH-2
•GRAPH-3
•GRAPH-4
•GRAPH-5
•OPPORTUNITIES AND POTENTIATITIES
IN MSME’s
•CHALLENGES FACED BY MSME’s
7.CONCLUSION
8.REFERENCE
CONTENTS
CONTENTS
CONTENTS
PROJECT PAGE
MSME plays a vital role in the process of development. It generates
employment at low cost and helps the society to move on the path of
prosperities & growth. According to the Fourth Census of MSME in
2006-07 in India, the number of MSME's was estimated at 26.1 (only
1.55 million registered-source MSME annual report.2009-10,
Government of India) million employing out of 59.73 million peoples.
Out of these MSMEs 72 percent are engaged in manufacturing and 28
per cent in service enterprises. In terms of size of enterprises 94.67
percent are micro enterprises, 5.05 per cent are small enterprises and
the rest 0.25 per cent are medium enterprises. This sector contributes
to more than 45 per cent of the total manufacturing output and
accounts for over 33 per cent of the total exports of the country and
forms the second largest source of employment. MSME sector is
better employment generating sector. The organized industrial sector
requires an investment of 0.67 million rupees to generate
employment of one person, whereas the MSME sector generates
employment of 1.27 person with the same investment.
On this back ground, we have analyzed the position of Odisha state to
find out the areas of strength, weakness and opportunities to make
them more effective and follow the path of accelerated growth in
MSME sector.
Introduction
Introduction
Introduction
Odisha state has been blessed abundantly with some important
natural resources like, coal, iron ore, manganese ore, chromite,
nickel, bauxite and fireclay to name a few. It also has large forest
cover area and vast sea cost. During the last one decade, to utilize
these natural resources some of the large scale industries mainly in
sector of steel, power and aluminum have been set up. By the end of
2008-09, the State Government had signed 79 Memorandum of
Understandings (MoU) on various industrial sectors with a total
Investment of Rs. 3653,270 million.
Besides these large industries MSME units have also been set up by
entrepreneurs. The importance in utilization of local resources to
generate employment and improve living standards of people, who
are not employed in large industries, agriculture and services sector,
Government of India and like wise State governments including
State Government of Odisha have also started giving stress for the
development MSMEs. The number of small scale industries and what
is called MSME has been increasing overtime in the state of Odisha.
During 2008-09 the maximum number of MSME was set up in
Sundargarh district, Cuttack district was the next followed by
Khordha and Ganjam district.
ENTERPRISE
INVESTMENT IN PLANT AND
MACHINERY
MICRO LESS THAN RS 25 LAKHS
SMALL
OVER RS 25 LAKHS BUT NOT
EXCEEDING RS 5 CRORES
MEDIUM
OVER RS 5 CRORES BUT LESS
THAN RS 10 CRORES
Meaning of MSME's
Meaning of MSME's
Meaning of MSME's
The MSMEs are defined in different ways in different parts of the
world. Some define them in term of assets, while others in term
of employments, share holders funds or sales. At present,
Government of India (GOI) has given a clear definition.
According to the Micro, Small and Medium Enterprise
Development MSME Act, 2006 the Micro, Small and Medium
Enterprise (MSME) are classified as:
The Enterprise engaged in the manufacture of production of
goods pertaining to any industry specified in the first schedule to
the industries (Development and Regulation Act,1951).The
manufacturing Enterprises are defined in terms of investment in
plant and machinery.
MANUFACTURING ENTERPRISES-
ENTERPRISE
INVESTMENT IN PLANT AND
MACHINERY
MICRO LESS THAN RS 10 LAKHS
SMALL
OVER RS 10 LAKHS BUT NOT
EXCEEDING RS 2 CRORES
MEDIUM
OVER RS 2 CRORED BUT LESS THAN
RS 5 CRORES
ENTERPRISE
INVESTMENT IN PLANT AND
MACHINERY
MICRO
LESS THAN RS 1 CRORE AND
TURNOVER DOES NOT EXCEED RS 5
CRORE
SMALL
OVER RS 1 CRORE BUT NOT
EXCEEDING RS 10 CRORE AND
TURNOVER DOES NOT EXCEED 50
CRORE
MEDIUM
OVER RS 10 CRORE BUT LESS THAN
RS 50 CRORE AND TURNOVER DOES
NOT EXCEED RS 250 CRORE
SERVICE ENTERPRISES--
The Enterprises engaged in providing or rendering of services and
are defined in terms of investment in equipment.
Now w.e.f. 01/07/20 Investment in plant and machinery or Equipment and Annual
Turnover
Literature Review
The MSME (Micro, Small and Medium Enterprises) sector in Odisha
has been a critical contributor to the state's economy, providing
employment opportunities, increasing regional income, and
enhancing overall economic growth. This literature review presents
an overview of the MSME's sector in Odisha, analyzing its growth,
challenges, and policy interventions.
According to the Ministry of MSME's Annual Report 2020-21, there
are around 458,491 registered MSME's in Odisha, providing
employment to over 1.9 million people. These MSMEs contribute
approximately 24.2% to the state's Gross Value Added (GVA) and
41.3% to its exports. However, the sector still faces several challenges,
such as lack of access to finance, inadequate infrastructure, and
limited technological capabilities.
The Odisha MSME Policy 2016 aimed to address these challenges by
promoting entrepreneurship, creating an enabling environment for
MSME's, and providing access to finance, technology, and
infrastructure. The policy also focused on skill development and
capacity building for MSME's to enhance their competitiveness in the
global market.
However, despite the policy interventions and growth of the sector,
MSME's in Odisha still face several challenges, including inadequate
access to finance, lack of skilled manpower, and insufficient
infrastructure. A study by Sir Behera and Patnaik (2020) highlighted
the challenges faced by MSMEs in the state, and suggested the need
for strengthening the support system, creating a conducive
environment, and developing a cluster-based approach to enhance
the competitiveness.
A study by Sir Patnaik and Nayak (2021) analyzed the impact of the
Odisha MSME's Policy on the performance of MSMEs in the state. The
study found that the policy had a positive impact on the growth,
productivity, and profitability of MSMEs, leading to an increase in
employment and income.
Another study in the year 2019 examined the growth and
development of MSME's in Odisha, focusing on their role in promoting
inclusive economic growth. The study found that MSME's had a
significant impact on regional development, creating job
opportunities in rural areas, and contributing to poverty reduction.
MSME's sector in Odisha has emerged as a critical contributor to the
state's economy, creating employment opportunities, and promoting
inclusive growth. However, the sector still faces several challenges,
such as inadequate access to finance and infrastructure, which require
policy interventions to be addressed. The Odisha MSME's Policy 2016
has provided a framework for the growth and development of the
sector, but more needs to be done to enhance the competitiveness of
MSME's in the state.
Research gap on MSMEs in Odisha could be exploring the challenges
and opportunities for women entrepreneurs in the state. While
Odisha has made efforts to support MSME's through various policies
and initiatives, there may still be gender-based barriers that prevent
women from fully participating in the entrepreneurial ecosystem.
ODISHA
EnterprisesManaged by Woman
33,274
Woman Enterprise
38233
It is a Report provided by the govt. of India on April 16,2023 as
mention below to show the Woman contribution in MSME’s Mission
By Examining the Chart and figures it is clear that Odisha is in a
better place as compare to many states but still there is many more
things that has to be done to increase the number.
ODISHA’s Chief Minister Shri NAVEEN PATNAIK has formed many
polices to increase the role of Women in the field of Entrepreneurship
that will Ultimately affect the Society in a Positive Ways.
I would like to Highlight Certain Policies which in my thoughts are
Revolutionary Steps to Motivate More Woman’s to Participate in
building their future as an Entrepreneur (MSME’s Field)
1.Industrial Policy Resolution (IPR) 2015
It aims at making Odisha a destination of choice for the investors
worldwide. The prime Objective is to transform Odisha into a Vibrant
industrialized State
• 75% reimbursement (in case of male workers) and 100%
reimbursement (in case of FEMALE WORKERS) of expenditure on
account of contribution towards ESI (Employee State Insurance) and
EPF (Employees Provident Fund) scheme for a period of 5 years for
new and existing units undertaking (E/M/D) in Micro and small
sector which employ skilled and semi skilled workers who are
domicile of the state as regular employees.
• 50% reimbursement (in case of male workers) and 100%
reimbursement (in case of FEMALE WORKERS) of expenditure on
account of contribution towards ESI and EPF Scheme for a period of 3
years for new and existing units undertaking E/M/D in medium
sector which employ skilled and semi-skilled workers who are
domicile of the State as regular employees.
The objective of the policy is to provide the required infrastructural
and institutional support and fiscal incentives to boost value addition
in the sector. Under this policy Capital Investment Subsidy is being
given to SC, ST, WOMEN enterprise & enterprise set up in Industrially
Backward districts including KBK-@33% of capital investment made
in plant & machinery upto a maximum limit of Rs 3 crore.
This is implemented by the Department of Mirco,Small & Medium
Enterprises.
2.Odisha Mirco,Small & Medium Enterprises (MSME's)
Development Policy 2016
The Odisha MSME Development Policy 2016, enhances capital
investment subsidy to MSMEs and lays particular emphasis on the
development of entrepreneurship amongst Scheduled Castes (SC),
Scheduled Tribes (ST), differently abled persons and WOMEN across
the state. This policy aims to make Odisha a destination of choice.
3.Odisha Food Processing Policy 2016
4.Odisha Start-up Policy 2016
The vision of the policy is to make Odisha emerge amongst the top 3
"Start-up Hubs" in India by 2020 through strategic partnerships,
conducive ecosystem, and investment and policy interventions. To
unleash the potential of WOMEN entrepreneurship, this policy aims
to have at least 33% of the Startups with founders/Co-founders as
WOMEN.
By understanding these challenges and identifying potential solutions
could help to promote greater gender equality and economic growth
in the state. Additionally, research could explore the impact of
specific policies or interventions on women-led MSMEs in Odisha,
and identify best practices for supporting their growth and success.
5.Odisha Procurement Preference Policy for Micro &
Small Enterprises 2015
The objective of the policy is to provide and ensure fair, transparent,
consistent, rationally equitable procurement practices of goods &
services, produced and provided by Micro, small enterprises
enhancing their competitiveness. Under this policy there are special
provisions for micro and small enterprises owned by SC/ST, PH,
women, and technical degree/diploma holders. Out of 20 percent
target of annual procurement from micro and small enterprises, a sub
target of 20 percent (i.e. 4 percent out of 20 percent) shall be
earmarked for procurement from micro and small enterprises owned
by the Scheduled Castes or Scheduled Tribes, Physically Challenged,
women and Technical (Degree/Diploma holding) entrepreneurs.
This is implemented by the Department of Micro, Small & Medium
Enterprises
As I have mentioned few points there are other Policies also which is
made for the benefits of the WOMEN in the MSME's Sector.The
Policies are been framed for the development of WOMEN in the
Sector earlier but the implementation as got many challenges which
has prevented it from effectively working for them.In Order for
Proper utilisation of the Scheme,the Challenges and the barrier needs
to be identified and correct measure has to be taken at Proper time .
1.To assess the current state of MSMEs in Odisha and identify the
challenges faced by them.
2.To study the impact of various government policies and schemes on
the growth and development of MSMEs in Odisha.
3.To identify the opportunities for the growth of MSME's in various
sectors in Odisha, including manufacturing, services, and agriculture.
4.To analyze the availability and accessibility of finance, technology,
and infrastructure for MSME's in Odisha.
5.To suggest measures to improve the competitiveness of MSME's in
Odisha and to enhance their contribution to the state's economy.
ODISHA MAP
6.To recommend policy interventions and institutional mechanisms
to support the growth and development of MSME's in Odisha.
7.To assess the potential of MSME's to generate employment and
promote inclusive growth in Odisha.
8.To identify best practices and success stories of MSME's in Odisha
and to disseminate them widely.
9.To create a roadmap for the sustainable growth of MSME's in
Odisha, taking into account the state's unique socio-economic and
geographical characteristics.
10.To develop a database of MSME's in Odisha, which can be used as a
reference for future research and policy formulation.
The present study is based on certain facts and data, which are
collected from the following sources.
The secondary data includes annual report of MSME, Economic
Survey of Odisha, MSME Department, Govt. of Odisha and RBI
website other related research articles.
Tools and Techniques
The most appropriate research tools like: Anova, ratio, percentage
etc. are used to analyze the effectiveness of MSMEs in promoting the
socio-economic condition of rural poor households in Odisha.
This paper examined the importance, contribution and development
potential of micro, small and medium enterprises in the state of
Odisha. Data are collected from primary and secondary source.
Primary data are collected from various clusters. In addition to that
data are collected from success story of MSME's clusters. Secondary
data are collected from published and unpublished reports, books,
journals and various seminars. The present paper dealing with
MSME's in Odisha is concentrating on two important sectors i.e
handloom and handicraft in a wider prospect in comparison to other
MSME's sectors.
This paper examined the importance, contribution and development
potential of micro, small and medium enterprises in the state of
Odisha. Data are collected from primary and secondary source.
Primary data are collected from various clusters. In addition to that
data are collected from success story of MSME's clusters. Secondary
data are collected from published and unpublished reports, books,
journals and various seminars. The present paper dealing with MSME
in Odisha is concentrating on two important sectors i.e handloom and
handicraft in a wider prospect in comparison to other MSME sectors.
YEAR
MSME‘sUNITS
SETUP
(CUMMULATIVE)
MSME’sUNIT
SET-UPDURING
THEYEAR
SET-UP
INVESTMENT
(RS.INCRORE)
MADE
EMPLOYMENTS
(PERSONS)
2006-2007 92417 4556 271.14 23301
2007-2008 97127 4710 295.51 23301
2008-2009 101933 4806 227.92 20996
2009-2010 106840 4907 292.34 23195
2010-2011 111856 5016 395.02 24451
2011-2012 117361 5505 500.73 30387
GROWTHOFMSME'sINODISHA
SOURCE-DirectorateofIndudtries,Odisha
Table - 01- Showing Growth of MSMEs in Odisha
Table-01 depicted that there is a consistent growth of
MSMEs in Odisha during 2007-12. The year 2011-12
witnessed highest number of MSMEs with capital worth
Rs.500.73 crore and huge employments. The lowest units
of MSME was 4556 in the year 2006-07 with investment
Rs.271.14 crore. The MSMEs are the biggest employment
providers in rural Odisha next to agriculture. During
2008-09, growth trend employments in MSME's was in
decreasing trend.
2006-2007 2007-2008 2008-2009 2009-2010 2010-2011 2011-2012
6,000
4,000
2,000
0
Graph-01 showing number of MSMEs in Odisha.
Source: Economic Survey, Govt. of Odisha, 2011-12
Repairing and Services
32.3%
Food and Allied
22.2%
Engineering and Metal
11%
Textile
7.5% Glass and ceramics
7.3%
Forest and Wood Based
6.1%
Miscellaneous manufacturing
5.6%
Chemical and Allied
2.6%
Graph-02 showing product wise MSMEs in Odisha.
Source: Directorate of Industries,Odisha - 2011.
From Graph-01, the total number of MSMEs in Odisha
was 4556 in the year 2006- 07. This graph shows
consistent growth in number of MSME's units in Odisha.
The year 2011 registers highest number of MSME's units is
5016. As a whole, this graph depicts constant rising
number of MSME's in Odisha despite natural calamities
like floods and cyclone and other impediments.
0 5,000 10,000 15,000 20,000 25,000
2006-2007
2007-2008
2008-2009
2009-2010
2010-2011
Graph-3 showing Employment Generation by MSMEs Sector in Odisha.
Graph- 2 shows that the maximum number of MSMEs
belongs to the repairing and services sub-sector (32.29%).
Food and allied sector occupies 22.20% in total MSME
units set-up. It is the engineering and metal sector which
occupies 11% in total MSME's units set-up. Similarly
Textiles' Glass and Ceramic occupy 7.45%, 7.31%
respectively in total MSME's. Forest and wood (6.07%),
Misc. Manufacturing (5.58%), Paper & paper products
(2.57%), Chemical allied sector (2.55%) of the total number
of MSME's units by the end of 2010-11. The livestock and
leather sector is the last in number in terms of MSME's
units set-up.
Employement by MSMEs in Odisha
Source: EconomicSurvey,Odisha,2011-12
2006-2007 2007-2008 2008-2009 2009-2010 2010-2011
2,000
1,500
1,000
500
0
Graph-04 showing export growth in MSMEs
Source: Economic Survey, Odisha 2011-12
MSME's are recognized as the biggest providers in
employments among rural youth and brings a sea
change in their life style as well as various dimensions of
rural Odisha.
From Graph-03, it is depicted that the year 2006-07
shows employment in lowest number (20839) and
highest number of employment touches 24451 during
2010-11. Every year registers gainful employment except
2008-09. As a whole, there is an increase in gainful
employments in MSME's in Odisha.
Mineral Products
57.6%
Metallurgical Product
28.2%
Electronics
7.4%
Engineering , Chemical and Allied Products
3.6%
Marine Products
3.2%
Graph-05 showing export growth in MSMEs
Composition of Exports from Odisha (2010-11)
Source: Economic Survey, Odisha 2011-12
MSME's sector plays a major role in India’s present export
performance. This sector contributes 45%-50% of the Indian exports.
The export constitutes direct export for nearly 35% and indirect 15% to
exports. As per the data available in Economic Survey, Odisha at the
end of 2011-12, there were 344 exporters in Odisha and 22,012
Industrial units including 2,285 small scale registered units. Nearly
5,225 samples were tested in the six testing laboratories and Rs.12.70
lakh of testing fees were collected in 2011-12.
Graph-04 reflects that MSMEs have made Rs.13,000 crores export
transactions. There was little rise in export transactions from
February-March - 2014 2007 to 2008. The year 2009 registered
lowest exports worth 12500 crores.
The opportunities of growth in the MSME's sector are
enormous due to the following factors:
ó Less Capital Intensive.
ó Extensive Promotion & Support by
Government.
ó Reservation for Exclusive Manufacture by small scale
sector.
ó Funding-Finance&Subsidies.
ó Raw Material Procurement.
ó ManpowerTraining.
ó Cluster programme for development of technical &
entrepreneurial skills.
ó Reservation for exclusive purchase by government
ó Duetoexportgrowth.
ó Growing in demand in the domestic market
size.
Graph-04 reflects that mineral sectors achieved highest percentage of
exports in 2010-11. The second highest percentage of exports
achieved by metallurgical sectors that is 28.19%. The marine sectors
showed 3.18% exports transactions. Electronic sector occupies third
highest position in exports.
OPPORTUNITIES & POTENTIALITIES IN MSMEs
Small is beautiful. MSME's have commendable
contribution to the rural economy as well as national
economy at large. But MSME's Sector facing financial
constraints and does not get the required support from
the concerned February-March - 2014 Government
Departments, Banks, Financial Institutions and Corporate.
MSME's face a number of problems and constraints in
their part of progress.
ó Lack of adequate and timely funding.
ó Limited capital and knowledge.
ó Non-availability of suitable technology with limited
sources.
ó Lower production.
ó Lack of marketing scope.
ó Globalization impact.
ó Cut throat competition with big sectors.
ó Non availability of highly skilled labor at affordable cost.
ó FDI in retail sector etc.
Despite the various challenges in the way of progress, the
MSME's sector has performed exceedingly well and
enabled our country to achieve a wide measure of
industrial growth and diversification. SSI sector has made
significant contributions to employment generation and
also to rural industrialization.
CHALLENGES FACED BY MSME's
CHALLENGES FACED BY MSME's
The MSME's sector is the second highest employment
generating sector next only to agriculture. It needs special
attention of policymakers at the national and state levels.
MSME’s can be an engine of significant force on realizing the
twin objectives of accelerated industrial growth and
productive employees expansion in rural and hitherto
backward areas.
Out of the total 1.55 million MSME's Units, only 102 thousand
(6.57 percent) are registered and employment at only these
units are recorded with the government. There is an urgent
need to have a policy to record all units in the state to
understand the actual employment situation. This will enable
policymakers to decide the appropriate course of action in
terms of creation of industry clusters, provision of
infrastructure, product and market development, expansion
of financial support.
Among MSME’s the handloom sector plays a dominant
role .Weavers produce a variety of fabric. The cluster
development program has enables the weavers to
improve their standard of living and develop a better
community life. It has helped them to unite under a single
forums. The handloom sector remains less market
friendly for its inadequate skill, limited market exposure,
lack of capital and initiatives. For long it’s master
craftsmen remained too traditional self centered and less
development friendly.
There is a need for industry-ready manpower ,as such
there is an urgent need for upgrading the existing MSME's
institute to a national level institutions with branches in
state centers such as ROUKELA, BERHAMPUR and
SAMBALPUR. The institute should be close coordination
among various agencies including the industry
associations, technology providers , Bankers, Government
agencies , local/international agencies like UNIDO.
1.Economic Survey of Odisha,2009-10
2.Micro Small and Medium Enterprises (MAME) and
Economic Development of Odisha by Krupasindh
Pradhan and Santosh Kumar Munda.
3.Growth and Prospect of MSME‘s in Odisha :- An
Analytical Approach by Suratha kumar Das.
4.The New Indian Express :-Industry 4.0,A case fit MSME’s
in Odisha.
5.Wikipedia Site
6,CHART GPT
7.Factors influencing the performance of MSMEs in the
state of Odisha Report.
8.https://missionshakti.odisha.gov.in/sites/default/files/
2022-03/Books-States-Enabling-provisions-for-Women-
Enterprenuers.
9.https://www.dcmsme.gov.in/ssiindia/census/ch11.htm
THE END

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Role and Impact of MSME's Sector in the Economic Development of Odisha

  • 1. Biju Patnaik College of Sci. & Edu. SUBJECT- TOPIC- ROLE AND IMPACT OF MSME's SECTOR IN THE ECONOMIC DEVELOPMENT OF ODISHA Business Research Methods and Project work SUBMITTED BY- NAME- R.DINESH RAO YEAR- +3 6th SEMESTER ROLL NO-2003010190290001 GUIDED BY - MR.SANDEEP KUMAR DAS LECTURER IN COMMERCE B I J U P A T T N A I K ( D EGREE) COLLEGE OF SCIENCE A N D E D U C A T I O N
  • 2. CERTIFICATE R.DINESH RAO MR.SANDEEP KUMAR DAS LECTURER IN COMMERCE EXTERNAL THIS IS CERTIFY THAT R.DINESH RAO, A STUDENT OF +3 6TH SEMESTER HAS SUCCESSFULLY COMPLETED THE PROJECT ON ROLE AND IMPACT OF MSMES SECTOR IN THE ECONOMIC DEVELOPMENT OF ODISHA UNDER THE GUIDANCE OF MR.SANDEEP KUMAR DAS (LECTURE IN COMMERCE) DURING YEAR 2022-23 IN PARTIAL FULFILLMENT OF BUSINESS RESEARCH METHODS AND PROJECT WORK CONDUCTED BY UTKAL UNIVERSITY BHUBANESWAR.
  • 3. DECLARATION I HERE DECLARE THAT THE PROJECT ENTITLED “ROLE AND IMPACT OF MSME’s SECTOR IN THE ECONOMIC DEVELOPMENT OF ODISHA” SUBMITTED BY ME TO THE UTKAL UNIVERSITY,VANI-VIHAR,BHUBANESWAR, IN PARTIAL FULFILMENT OF THE REQUIRED FOR THE DEGREE IN B.COM. THIS RECORD OF BONFIDE PROJECT WORK CARRIED OUT BY ME UNDER THE GUIDANCE OF MR.SANDEEP KUMAR DAS. I ALSO DECLARE THAT THE PROJECT REPORT HAS NOT BEEN PREVIOUSLY SUBMITTED TO ANY OTHER UNIVERSITY. R.DINESH RAO UNIVERSITY ROLL NO-2003010190290001
  • 4. ACKNOWLEDGEMENT R.DINESH RAO I TAKE THE OPPORTUNITY TO EXPRESS OUR GRATITUDE TO ALL THE CONCERNED PEOPLE WHO HAVE DIRECTLY OR INDIRECTLY CONTRIBUTED TOWARDS COMPLETION OF THIS PROJECT. I EXTEND MY SINCERE GRATITUDE TOWARDS HAL FOR PROVIDING THE OPPORTUNITY AND RESOURCES TO WORK ON THIS PROJECT. I AM EXTREMELY GRATEFUL TO ALL THE FACULTY OF UTKAL UNIVERSITY, WHOSE INSIGHT ENCOURAGE ME TO GO BEYOND THE SCOPE OF PROJECT AND THIS BROADENED ME LEARNING ON THIS PROJECT. I ALSO WANT TO SHOW MY GRATITUDE TO WHOSE INSIGHT HELPED ME TO COMPLETE THIS PROJECT.
  • 5. HEADING SUB HEADING 1.INTRODUCTION MEANING OF MSME 2.LITERATURE REVIEW 3.RESEARCH GAP POLICIES •INDUSTRIAL POLICY •MSME's DEVELOPMENT POLICY •ODISHA FOOD PROCESSING POLICY •ODISHA START-UP POLICY •ODISHA PROCUREMENT PREFERENCE POLICY 4.OBJECTIVE OF THE STUDY 5.METHODOLOGY TOOLS AND TECHNIQUES 6.ANALYSIS INTERPRETATION •TABLE-1 •GRAPH-1 •GRAPH-2 •GRAPH-3 •GRAPH-4 •GRAPH-5 •OPPORTUNITIES AND POTENTIATITIES IN MSME’s •CHALLENGES FACED BY MSME’s 7.CONCLUSION 8.REFERENCE CONTENTS CONTENTS CONTENTS PROJECT PAGE
  • 6. MSME plays a vital role in the process of development. It generates employment at low cost and helps the society to move on the path of prosperities & growth. According to the Fourth Census of MSME in 2006-07 in India, the number of MSME's was estimated at 26.1 (only 1.55 million registered-source MSME annual report.2009-10, Government of India) million employing out of 59.73 million peoples. Out of these MSMEs 72 percent are engaged in manufacturing and 28 per cent in service enterprises. In terms of size of enterprises 94.67 percent are micro enterprises, 5.05 per cent are small enterprises and the rest 0.25 per cent are medium enterprises. This sector contributes to more than 45 per cent of the total manufacturing output and accounts for over 33 per cent of the total exports of the country and forms the second largest source of employment. MSME sector is better employment generating sector. The organized industrial sector requires an investment of 0.67 million rupees to generate employment of one person, whereas the MSME sector generates employment of 1.27 person with the same investment. On this back ground, we have analyzed the position of Odisha state to find out the areas of strength, weakness and opportunities to make them more effective and follow the path of accelerated growth in MSME sector. Introduction Introduction Introduction
  • 7. Odisha state has been blessed abundantly with some important natural resources like, coal, iron ore, manganese ore, chromite, nickel, bauxite and fireclay to name a few. It also has large forest cover area and vast sea cost. During the last one decade, to utilize these natural resources some of the large scale industries mainly in sector of steel, power and aluminum have been set up. By the end of 2008-09, the State Government had signed 79 Memorandum of Understandings (MoU) on various industrial sectors with a total Investment of Rs. 3653,270 million. Besides these large industries MSME units have also been set up by entrepreneurs. The importance in utilization of local resources to generate employment and improve living standards of people, who are not employed in large industries, agriculture and services sector, Government of India and like wise State governments including State Government of Odisha have also started giving stress for the development MSMEs. The number of small scale industries and what is called MSME has been increasing overtime in the state of Odisha. During 2008-09 the maximum number of MSME was set up in Sundargarh district, Cuttack district was the next followed by Khordha and Ganjam district.
  • 8. ENTERPRISE INVESTMENT IN PLANT AND MACHINERY MICRO LESS THAN RS 25 LAKHS SMALL OVER RS 25 LAKHS BUT NOT EXCEEDING RS 5 CRORES MEDIUM OVER RS 5 CRORES BUT LESS THAN RS 10 CRORES Meaning of MSME's Meaning of MSME's Meaning of MSME's The MSMEs are defined in different ways in different parts of the world. Some define them in term of assets, while others in term of employments, share holders funds or sales. At present, Government of India (GOI) has given a clear definition. According to the Micro, Small and Medium Enterprise Development MSME Act, 2006 the Micro, Small and Medium Enterprise (MSME) are classified as: The Enterprise engaged in the manufacture of production of goods pertaining to any industry specified in the first schedule to the industries (Development and Regulation Act,1951).The manufacturing Enterprises are defined in terms of investment in plant and machinery. MANUFACTURING ENTERPRISES-
  • 9. ENTERPRISE INVESTMENT IN PLANT AND MACHINERY MICRO LESS THAN RS 10 LAKHS SMALL OVER RS 10 LAKHS BUT NOT EXCEEDING RS 2 CRORES MEDIUM OVER RS 2 CRORED BUT LESS THAN RS 5 CRORES ENTERPRISE INVESTMENT IN PLANT AND MACHINERY MICRO LESS THAN RS 1 CRORE AND TURNOVER DOES NOT EXCEED RS 5 CRORE SMALL OVER RS 1 CRORE BUT NOT EXCEEDING RS 10 CRORE AND TURNOVER DOES NOT EXCEED 50 CRORE MEDIUM OVER RS 10 CRORE BUT LESS THAN RS 50 CRORE AND TURNOVER DOES NOT EXCEED RS 250 CRORE SERVICE ENTERPRISES-- The Enterprises engaged in providing or rendering of services and are defined in terms of investment in equipment. Now w.e.f. 01/07/20 Investment in plant and machinery or Equipment and Annual Turnover
  • 10. Literature Review The MSME (Micro, Small and Medium Enterprises) sector in Odisha has been a critical contributor to the state's economy, providing employment opportunities, increasing regional income, and enhancing overall economic growth. This literature review presents an overview of the MSME's sector in Odisha, analyzing its growth, challenges, and policy interventions. According to the Ministry of MSME's Annual Report 2020-21, there are around 458,491 registered MSME's in Odisha, providing employment to over 1.9 million people. These MSMEs contribute approximately 24.2% to the state's Gross Value Added (GVA) and 41.3% to its exports. However, the sector still faces several challenges, such as lack of access to finance, inadequate infrastructure, and limited technological capabilities. The Odisha MSME Policy 2016 aimed to address these challenges by promoting entrepreneurship, creating an enabling environment for MSME's, and providing access to finance, technology, and infrastructure. The policy also focused on skill development and capacity building for MSME's to enhance their competitiveness in the global market.
  • 11. However, despite the policy interventions and growth of the sector, MSME's in Odisha still face several challenges, including inadequate access to finance, lack of skilled manpower, and insufficient infrastructure. A study by Sir Behera and Patnaik (2020) highlighted the challenges faced by MSMEs in the state, and suggested the need for strengthening the support system, creating a conducive environment, and developing a cluster-based approach to enhance the competitiveness. A study by Sir Patnaik and Nayak (2021) analyzed the impact of the Odisha MSME's Policy on the performance of MSMEs in the state. The study found that the policy had a positive impact on the growth, productivity, and profitability of MSMEs, leading to an increase in employment and income. Another study in the year 2019 examined the growth and development of MSME's in Odisha, focusing on their role in promoting inclusive economic growth. The study found that MSME's had a significant impact on regional development, creating job opportunities in rural areas, and contributing to poverty reduction. MSME's sector in Odisha has emerged as a critical contributor to the state's economy, creating employment opportunities, and promoting inclusive growth. However, the sector still faces several challenges, such as inadequate access to finance and infrastructure, which require policy interventions to be addressed. The Odisha MSME's Policy 2016 has provided a framework for the growth and development of the sector, but more needs to be done to enhance the competitiveness of MSME's in the state.
  • 12. Research gap on MSMEs in Odisha could be exploring the challenges and opportunities for women entrepreneurs in the state. While Odisha has made efforts to support MSME's through various policies and initiatives, there may still be gender-based barriers that prevent women from fully participating in the entrepreneurial ecosystem. ODISHA EnterprisesManaged by Woman 33,274 Woman Enterprise 38233 It is a Report provided by the govt. of India on April 16,2023 as mention below to show the Woman contribution in MSME’s Mission
  • 13. By Examining the Chart and figures it is clear that Odisha is in a better place as compare to many states but still there is many more things that has to be done to increase the number. ODISHA’s Chief Minister Shri NAVEEN PATNAIK has formed many polices to increase the role of Women in the field of Entrepreneurship that will Ultimately affect the Society in a Positive Ways. I would like to Highlight Certain Policies which in my thoughts are Revolutionary Steps to Motivate More Woman’s to Participate in building their future as an Entrepreneur (MSME’s Field) 1.Industrial Policy Resolution (IPR) 2015 It aims at making Odisha a destination of choice for the investors worldwide. The prime Objective is to transform Odisha into a Vibrant industrialized State • 75% reimbursement (in case of male workers) and 100% reimbursement (in case of FEMALE WORKERS) of expenditure on account of contribution towards ESI (Employee State Insurance) and EPF (Employees Provident Fund) scheme for a period of 5 years for new and existing units undertaking (E/M/D) in Micro and small sector which employ skilled and semi skilled workers who are domicile of the state as regular employees. • 50% reimbursement (in case of male workers) and 100% reimbursement (in case of FEMALE WORKERS) of expenditure on account of contribution towards ESI and EPF Scheme for a period of 3 years for new and existing units undertaking E/M/D in medium sector which employ skilled and semi-skilled workers who are domicile of the State as regular employees.
  • 14. The objective of the policy is to provide the required infrastructural and institutional support and fiscal incentives to boost value addition in the sector. Under this policy Capital Investment Subsidy is being given to SC, ST, WOMEN enterprise & enterprise set up in Industrially Backward districts including KBK-@33% of capital investment made in plant & machinery upto a maximum limit of Rs 3 crore. This is implemented by the Department of Mirco,Small & Medium Enterprises. 2.Odisha Mirco,Small & Medium Enterprises (MSME's) Development Policy 2016 The Odisha MSME Development Policy 2016, enhances capital investment subsidy to MSMEs and lays particular emphasis on the development of entrepreneurship amongst Scheduled Castes (SC), Scheduled Tribes (ST), differently abled persons and WOMEN across the state. This policy aims to make Odisha a destination of choice. 3.Odisha Food Processing Policy 2016 4.Odisha Start-up Policy 2016 The vision of the policy is to make Odisha emerge amongst the top 3 "Start-up Hubs" in India by 2020 through strategic partnerships, conducive ecosystem, and investment and policy interventions. To unleash the potential of WOMEN entrepreneurship, this policy aims to have at least 33% of the Startups with founders/Co-founders as WOMEN.
  • 15. By understanding these challenges and identifying potential solutions could help to promote greater gender equality and economic growth in the state. Additionally, research could explore the impact of specific policies or interventions on women-led MSMEs in Odisha, and identify best practices for supporting their growth and success. 5.Odisha Procurement Preference Policy for Micro & Small Enterprises 2015 The objective of the policy is to provide and ensure fair, transparent, consistent, rationally equitable procurement practices of goods & services, produced and provided by Micro, small enterprises enhancing their competitiveness. Under this policy there are special provisions for micro and small enterprises owned by SC/ST, PH, women, and technical degree/diploma holders. Out of 20 percent target of annual procurement from micro and small enterprises, a sub target of 20 percent (i.e. 4 percent out of 20 percent) shall be earmarked for procurement from micro and small enterprises owned by the Scheduled Castes or Scheduled Tribes, Physically Challenged, women and Technical (Degree/Diploma holding) entrepreneurs. This is implemented by the Department of Micro, Small & Medium Enterprises As I have mentioned few points there are other Policies also which is made for the benefits of the WOMEN in the MSME's Sector.The Policies are been framed for the development of WOMEN in the Sector earlier but the implementation as got many challenges which has prevented it from effectively working for them.In Order for Proper utilisation of the Scheme,the Challenges and the barrier needs to be identified and correct measure has to be taken at Proper time .
  • 16. 1.To assess the current state of MSMEs in Odisha and identify the challenges faced by them. 2.To study the impact of various government policies and schemes on the growth and development of MSMEs in Odisha. 3.To identify the opportunities for the growth of MSME's in various sectors in Odisha, including manufacturing, services, and agriculture. 4.To analyze the availability and accessibility of finance, technology, and infrastructure for MSME's in Odisha. 5.To suggest measures to improve the competitiveness of MSME's in Odisha and to enhance their contribution to the state's economy. ODISHA MAP
  • 17. 6.To recommend policy interventions and institutional mechanisms to support the growth and development of MSME's in Odisha. 7.To assess the potential of MSME's to generate employment and promote inclusive growth in Odisha. 8.To identify best practices and success stories of MSME's in Odisha and to disseminate them widely. 9.To create a roadmap for the sustainable growth of MSME's in Odisha, taking into account the state's unique socio-economic and geographical characteristics. 10.To develop a database of MSME's in Odisha, which can be used as a reference for future research and policy formulation.
  • 18. The present study is based on certain facts and data, which are collected from the following sources. The secondary data includes annual report of MSME, Economic Survey of Odisha, MSME Department, Govt. of Odisha and RBI website other related research articles. Tools and Techniques The most appropriate research tools like: Anova, ratio, percentage etc. are used to analyze the effectiveness of MSMEs in promoting the socio-economic condition of rural poor households in Odisha. This paper examined the importance, contribution and development potential of micro, small and medium enterprises in the state of Odisha. Data are collected from primary and secondary source. Primary data are collected from various clusters. In addition to that data are collected from success story of MSME's clusters. Secondary data are collected from published and unpublished reports, books, journals and various seminars. The present paper dealing with MSME's in Odisha is concentrating on two important sectors i.e handloom and handicraft in a wider prospect in comparison to other MSME's sectors.
  • 19. This paper examined the importance, contribution and development potential of micro, small and medium enterprises in the state of Odisha. Data are collected from primary and secondary source. Primary data are collected from various clusters. In addition to that data are collected from success story of MSME's clusters. Secondary data are collected from published and unpublished reports, books, journals and various seminars. The present paper dealing with MSME in Odisha is concentrating on two important sectors i.e handloom and handicraft in a wider prospect in comparison to other MSME sectors.
  • 20. YEAR MSME‘sUNITS SETUP (CUMMULATIVE) MSME’sUNIT SET-UPDURING THEYEAR SET-UP INVESTMENT (RS.INCRORE) MADE EMPLOYMENTS (PERSONS) 2006-2007 92417 4556 271.14 23301 2007-2008 97127 4710 295.51 23301 2008-2009 101933 4806 227.92 20996 2009-2010 106840 4907 292.34 23195 2010-2011 111856 5016 395.02 24451 2011-2012 117361 5505 500.73 30387 GROWTHOFMSME'sINODISHA SOURCE-DirectorateofIndudtries,Odisha Table - 01- Showing Growth of MSMEs in Odisha
  • 21. Table-01 depicted that there is a consistent growth of MSMEs in Odisha during 2007-12. The year 2011-12 witnessed highest number of MSMEs with capital worth Rs.500.73 crore and huge employments. The lowest units of MSME was 4556 in the year 2006-07 with investment Rs.271.14 crore. The MSMEs are the biggest employment providers in rural Odisha next to agriculture. During 2008-09, growth trend employments in MSME's was in decreasing trend. 2006-2007 2007-2008 2008-2009 2009-2010 2010-2011 2011-2012 6,000 4,000 2,000 0 Graph-01 showing number of MSMEs in Odisha. Source: Economic Survey, Govt. of Odisha, 2011-12
  • 22. Repairing and Services 32.3% Food and Allied 22.2% Engineering and Metal 11% Textile 7.5% Glass and ceramics 7.3% Forest and Wood Based 6.1% Miscellaneous manufacturing 5.6% Chemical and Allied 2.6% Graph-02 showing product wise MSMEs in Odisha. Source: Directorate of Industries,Odisha - 2011. From Graph-01, the total number of MSMEs in Odisha was 4556 in the year 2006- 07. This graph shows consistent growth in number of MSME's units in Odisha. The year 2011 registers highest number of MSME's units is 5016. As a whole, this graph depicts constant rising number of MSME's in Odisha despite natural calamities like floods and cyclone and other impediments.
  • 23. 0 5,000 10,000 15,000 20,000 25,000 2006-2007 2007-2008 2008-2009 2009-2010 2010-2011 Graph-3 showing Employment Generation by MSMEs Sector in Odisha. Graph- 2 shows that the maximum number of MSMEs belongs to the repairing and services sub-sector (32.29%). Food and allied sector occupies 22.20% in total MSME units set-up. It is the engineering and metal sector which occupies 11% in total MSME's units set-up. Similarly Textiles' Glass and Ceramic occupy 7.45%, 7.31% respectively in total MSME's. Forest and wood (6.07%), Misc. Manufacturing (5.58%), Paper & paper products (2.57%), Chemical allied sector (2.55%) of the total number of MSME's units by the end of 2010-11. The livestock and leather sector is the last in number in terms of MSME's units set-up. Employement by MSMEs in Odisha Source: EconomicSurvey,Odisha,2011-12
  • 24. 2006-2007 2007-2008 2008-2009 2009-2010 2010-2011 2,000 1,500 1,000 500 0 Graph-04 showing export growth in MSMEs Source: Economic Survey, Odisha 2011-12 MSME's are recognized as the biggest providers in employments among rural youth and brings a sea change in their life style as well as various dimensions of rural Odisha. From Graph-03, it is depicted that the year 2006-07 shows employment in lowest number (20839) and highest number of employment touches 24451 during 2010-11. Every year registers gainful employment except 2008-09. As a whole, there is an increase in gainful employments in MSME's in Odisha.
  • 25. Mineral Products 57.6% Metallurgical Product 28.2% Electronics 7.4% Engineering , Chemical and Allied Products 3.6% Marine Products 3.2% Graph-05 showing export growth in MSMEs Composition of Exports from Odisha (2010-11) Source: Economic Survey, Odisha 2011-12 MSME's sector plays a major role in India’s present export performance. This sector contributes 45%-50% of the Indian exports. The export constitutes direct export for nearly 35% and indirect 15% to exports. As per the data available in Economic Survey, Odisha at the end of 2011-12, there were 344 exporters in Odisha and 22,012 Industrial units including 2,285 small scale registered units. Nearly 5,225 samples were tested in the six testing laboratories and Rs.12.70 lakh of testing fees were collected in 2011-12. Graph-04 reflects that MSMEs have made Rs.13,000 crores export transactions. There was little rise in export transactions from February-March - 2014 2007 to 2008. The year 2009 registered lowest exports worth 12500 crores.
  • 26. The opportunities of growth in the MSME's sector are enormous due to the following factors: ó Less Capital Intensive. ó Extensive Promotion & Support by Government. ó Reservation for Exclusive Manufacture by small scale sector. ó Funding-Finance&Subsidies. ó Raw Material Procurement. ó ManpowerTraining. ó Cluster programme for development of technical & entrepreneurial skills. ó Reservation for exclusive purchase by government ó Duetoexportgrowth. ó Growing in demand in the domestic market size. Graph-04 reflects that mineral sectors achieved highest percentage of exports in 2010-11. The second highest percentage of exports achieved by metallurgical sectors that is 28.19%. The marine sectors showed 3.18% exports transactions. Electronic sector occupies third highest position in exports. OPPORTUNITIES & POTENTIALITIES IN MSMEs
  • 27. Small is beautiful. MSME's have commendable contribution to the rural economy as well as national economy at large. But MSME's Sector facing financial constraints and does not get the required support from the concerned February-March - 2014 Government Departments, Banks, Financial Institutions and Corporate. MSME's face a number of problems and constraints in their part of progress. ó Lack of adequate and timely funding. ó Limited capital and knowledge. ó Non-availability of suitable technology with limited sources. ó Lower production. ó Lack of marketing scope. ó Globalization impact. ó Cut throat competition with big sectors. ó Non availability of highly skilled labor at affordable cost. ó FDI in retail sector etc. Despite the various challenges in the way of progress, the MSME's sector has performed exceedingly well and enabled our country to achieve a wide measure of industrial growth and diversification. SSI sector has made significant contributions to employment generation and also to rural industrialization. CHALLENGES FACED BY MSME's CHALLENGES FACED BY MSME's
  • 28. The MSME's sector is the second highest employment generating sector next only to agriculture. It needs special attention of policymakers at the national and state levels. MSME’s can be an engine of significant force on realizing the twin objectives of accelerated industrial growth and productive employees expansion in rural and hitherto backward areas. Out of the total 1.55 million MSME's Units, only 102 thousand (6.57 percent) are registered and employment at only these units are recorded with the government. There is an urgent need to have a policy to record all units in the state to understand the actual employment situation. This will enable policymakers to decide the appropriate course of action in terms of creation of industry clusters, provision of infrastructure, product and market development, expansion of financial support.
  • 29. Among MSME’s the handloom sector plays a dominant role .Weavers produce a variety of fabric. The cluster development program has enables the weavers to improve their standard of living and develop a better community life. It has helped them to unite under a single forums. The handloom sector remains less market friendly for its inadequate skill, limited market exposure, lack of capital and initiatives. For long it’s master craftsmen remained too traditional self centered and less development friendly. There is a need for industry-ready manpower ,as such there is an urgent need for upgrading the existing MSME's institute to a national level institutions with branches in state centers such as ROUKELA, BERHAMPUR and SAMBALPUR. The institute should be close coordination among various agencies including the industry associations, technology providers , Bankers, Government agencies , local/international agencies like UNIDO.
  • 30. 1.Economic Survey of Odisha,2009-10 2.Micro Small and Medium Enterprises (MAME) and Economic Development of Odisha by Krupasindh Pradhan and Santosh Kumar Munda. 3.Growth and Prospect of MSME‘s in Odisha :- An Analytical Approach by Suratha kumar Das. 4.The New Indian Express :-Industry 4.0,A case fit MSME’s in Odisha. 5.Wikipedia Site 6,CHART GPT 7.Factors influencing the performance of MSMEs in the state of Odisha Report. 8.https://missionshakti.odisha.gov.in/sites/default/files/ 2022-03/Books-States-Enabling-provisions-for-Women- Enterprenuers. 9.https://www.dcmsme.gov.in/ssiindia/census/ch11.htm THE END