IJCOPE Journal

UGC Logo DOI / ISO Logo

International Journal of Creative and Open Research in Engineering and Management

A Peer-Reviewed, Open-Access International Journal Supporting Multidisciplinary Research, Digital Publishing Standards, DOI Registration, and Academic Indexing.
Journal Information
ISSN: 3108-1754 (Online)
Crossref DOI: Available
ISO Certification: 9001:2015
Publication Fee: 599/- INR
Compliance: UGC Journal Norms
License: CC BY 4.0
Peer Review: Double Blind
Volume 02, Issue 8

Published on: August 2026

A STUDY ON THE CHALLENGES FACED BY SMALL & MEDIUM ENTERPRISES IN OBTAINING CREDIT IN TELANGANA STATE

SANGANI NITHINKUMAR DR INAGANTI BADE SAHEB

Student of 2nd Year MBA, Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad – 501 401.

Professor, Dept of MBA in Malla Reddy Engineering College and Management Sciences, Medchal, Hyderabad – 501 401.
DOI:https://doi.org/10.55041/ijcope.v2i8.230

Article Status

Plagiarism Passed Peer Reviewed Open Access

Available Documents

Download PDF Review Report

Abstract

Small and Medium Enterprises (SMEs) contribute significantly to employment, entrepreneurship, innovation, industrial output, and regional development in Telangana. However, inadequate access to timely and affordable credit continues to restrict their growth and competitiveness. This study examines the major challenges faced by SMEs in obtaining credit in Telangana State, including collateral requirements, documentation, loan processing delays, high interest rates, and financial awareness. It also evaluates the role of banks, awareness of government credit schemes, and possible solutions for improving institutional finance. Primary data were collected from 100 SME respondents and analysed using percentage analysis. Findings indicate that collateral is the challenge.

How to Cite this Paper

NITHINKUMAR, S. & SAHEB, D. I. B. (2026). A STUDY ON THE CHALLENGES FACED BY SMALL & MEDIUM ENTERPRISES IN OBTAINING CREDIT IN TELANGANA STATE. International Journal of Creative and Open Research in Engineering and Management, <i>02</i>(8), 1-5. https://doi.org/10.55041/ijcope.v2i8.230

NITHINKUMAR, SANGANI, and DR SAHEB. "A STUDY ON THE CHALLENGES FACED BY SMALL & MEDIUM ENTERPRISES IN OBTAINING CREDIT IN TELANGANA STATE." International Journal of Creative and Open Research in Engineering and Management, vol. 02, no. 8, 2026, pp. 1-5. doi:https://doi.org/10.55041/ijcope.v2i8.230.

NITHINKUMAR, SANGANI, and DR SAHEB. "A STUDY ON THE CHALLENGES FACED BY SMALL & MEDIUM ENTERPRISES IN OBTAINING CREDIT IN TELANGANA STATE." International Journal of Creative and Open Research in Engineering and Management 02, no. 8 (2026): 1-5. https://doi.org/https://doi.org/10.55041/ijcope.v2i8.230.

Search & Index

Google Scholar Crossref DOI ResearchGate

References


  1. Agarwal, A., & Mishra, R. (2023). Lending patterns of financial institutions toward small and medium enterprises.

  2. Joshi, R., & Desai, P. (2022). Financial literacy and access to institutional financing among small business owners.

  3. Kumar, S., & Rao, R. (2018). Commercial bank lending and financing of small and medium enterprises.

  4. Nair, P. (2021). Digital banking and SME financing.

  5. Patel, R. (2019). Collateral security and SME lending approval.

  6. Prakash, A., & Gupta, S. (2024). Credit availability and SME performance.

  7. Rao, V., & Iyer, S. (2025). Future prospects of SME financing in India: Technology, innovation and financial inclusion.

  8. Reddy, K. (2017). Financial challenges faced by South Indian small and medium enterprises.

  9. Sharma, R., & Verma, P. (2016). Institutional finance and growth of small and medium enterprises in India.

  10. Singh, A., & Mehta, R. (2020). Government credit support programmes and SME financing.

  11. Government of India, Ministry of Micro, Small and Medium Enterprises. (2024). Annual report 2023–24. Ministry of MSME.

  12. Reserve Bank of India. (2024). Report on trend and progress of banking in India 2023–24. Reserve Bank of India.

Ethical Compliance & Review Process

  • •All submissions are screened under plagiarism detection.
  • •Review follows editorial policy.
  • •Authors retain copyright.
  • •Peer Review Type: Double-Blind Peer Review
  • •Published on: Aug 27 2026
CCBYNC

This article is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License. You are free to share and adapt this work for non-commercial purposes with proper attribution.

View License
Back to Volume 02, Issue 8View All Issues Next Article

← Previous Article

A STUDY ON STRATEGIC CHANGE MANAGEMENT AND ORGANIZATIONAL DEVELOPMENT IN TATA AIG GENERAL INSURANCE

Next Article →

A Study on the Conflict Management Strategies and Organizational Effectiveness in Airtel Telecom
Scroll to Top