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@article{193721,
        author = {Prof. Ravi Chavan and Mallikarjun Patil and Prof. Laxman Pawar},
        title = {“A STUDY ON THE ROLE OF INSTITUTIONAL FINANCING IN THE START-UP & GROWTH OF SMALL-SCALE BUSINESSES IN VIJAYAPUR CITY”},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {10},
        pages = {1153-1158},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=193721},
        abstract = {This study examines the financial management practices of small businesses in Vijayapura City, Karnataka, India. It focuses on the primary sources of finance used by these enterprises and the challenges they encounter in accessing institutional credit. The findings reveal that most small businesses depend largely on personal savings and financial support from family and friends, as bank loan procedures are often complex, time-consuming, and difficult to navigate. To enhance access to finance, the study recommends simplifying loan application procedures, ensuring consistency in lending policies, and incorporating relational factors into credit evaluation processes. It also highlights the importance of leveraging technology—such as online banking and mobile financial services—to improve financial accessibility, particularly in rural areas. Furthermore, the paper emphasizes the need to align loan eligibility criteria with the income patterns and operational realities of small businesses. It calls for collaborative efforts between government authorities and financial institutions to design and implement supportive policies that facilitate easier access to capital. Strengthening financial access can significantly contribute to small business growth, local economic development, and community resilience. Finally, the study suggests that future research should evaluate the effectiveness of these recommendations and their broader impact on small business financing and economic performance.},
        keywords = {Institutional Finance, Small-Scale Businesses, Access to Credit, Business Start-up, Business Growth, Informal Finance Sources, Credit Accessibility.},
        month = {March},
        }