Borrower’s Behaviour and Repayment Performance of MSMEs

The book was covered the analysis of the profile of the borrowers and their borrowing behavior, the borrowers character and relationship lending among the borrowing and the repayment performance and its determinants were discussed. The present study conclude that the borrowers character and relationship lending among the respondents in micro enterprises is lesser compared to the respondents in small and medium enterprises. The repayment performance among the respondents in micro enterprises is also for lesser than that among the other two group of respondents. Both the borrower’s character and relationship lending have a significant impact on the repayment performance among the respondents where the higher impact is seen among the respondents in medium enterprises. The borrower’s character and their relationship lending is promoted by the banks through some awareness and training programmes, the banks can enrich the repayment performance even among the respondents in micro enterprises.