2007-08 748 6420 14892

2008-09 877 4323 7140

2009-10 953 5090 7019
2010-11 852 4713 5465.8
2011-12 1041 4356 9103.6
YEAR
NO. OF UNITS
REGISTERED
EMPLOYMENT INVESTMENT
2007-08 748 6420 14892
2008-09 877 4323 7140
2009-10 953 5090 7019
2010-11 852 4713 5466
2011-12 1041 4356 9103
0
2000
4000
6000
8000
10000
12000
14000
16000
2007-08 2008-09
U
N
I
T
S
/
E
M
P
L
O
Y
M
E
N
T
/
I
N
V
E
S
T
M
E
N
T

MSMEs - KARNATAKA YEARWISE GROWTH
2008-09 2009-10 2010-11 2011-12
YEAR
MSMEs - KARNATAKA YEARWISE GROWTH
NO. OF UNITS REGISTERED
EMPLOYMENT
INVESTMENT
M S
per cent per cent
Single 26 10 10 9.5 36 23 7
Married 169 74 67 70 243 73 20
Divorced 10 6 3 5.7 16 5 0
Separated 38 11 15 10.5 49 11 2
Widowed 9 4 3 3.8 13 3 1
Sub Total 252 105 100 100 357 115 30
18 24 25 9 10 9 34 10 2
25 34 78 20 31 19 98 57 10
35 44 89 33 35 31 122 25 11
45 54 36 23 14 22 59 16 3
55 64 22 19 9 18 41 6 3
65 and above 2 1 1 1 3 1 1
Sub Total 252 105 100 100 357 115 30
No Formal
Education 11 1 4.3 1 12 14 3
SSC 52 26 20.6 24.7 78 15 4
School Cert 58 35 23 33.3 93 23 5
Distance
Education 79 21 31 20 100 33 12
B.Sc 34 10 13 10 44 24 3
M.Sc/Ph.D 4 3 1.5 2 7 3 1
Others 14 9 6 9 23 3 2
Sub-Total 252 105 100 100 357 115 30
None 47 20 19 19 67 24 7
1 2 81 25 32 24 106 40 4
3 4 88 40 35 38 128 41 12
5 and above 36 20 14 19 56 10 7
Sub Total 252 105 100 100 357 115 30
Education
No. of Children
Small
Marital Status
Age Group
Variation Levels
Female
Micro Small Total Micro
Male
Gender /
Sector
MICRO %
FEMALE 252 69
20 23 30 66 13
MALE 115 31
63 67 93 336 67
TOTAL 367 100
4 0 5 21 5
10 7 13 62 12
3 3 4 17 3
Gender /
Sector
MICRO SMALL
100 100 145 502 100
FEMALE 252 105
9 7 12 46 9
MALE 115 30
50 33 67 165 33
TOTAL 367 135
22 37 36 158 31
14 10 19 78 16
5 10 9 50 10
1 3 2 5 1
100 100 145 502 100
12 10 17 29 6
13 13 19 97 19
20 17 28 121 24
29 40 45 145 29
21 10 27 71 14
3 3 4 11 2
3 7 5 28 6
100 100 145 502 100
21 23 31 98 19
35 13 44 150 30
36 40 53 181 36
9 23 17 73 15
100 100 145 502 100
per cent per cent
All Total All per cent
Total
Male
252
115
105
30
FEMALE MALE
Gender / Sector
MICRO SMALL
SMALL % TOTAL %
105 78 357 71
30 22 145 29
135 100 502 100
TOTAL
357
145
502
Trading ArtisanManufacturers Agriculture Service Total
Trading
per cent
Artisian
per cent
Manufacture
rs per cent
Agriculture
per cent
Bangalore 127 28 22 30 12 219 53.4 32.6 40.7 33.7
Mysore, 11 2 2 4 4 23 4.6 2.3 3.7 4.5
Mangalore 43 18 4 14 4 83 18.1 20.9 7.4 15.7
Belgaum 13 8 3 6 0 30 5.5 9.3 5.6 6.7
Hubli 22 15 11 10 5 63 9.2 17.4 20.4 11.2
Shimoga 22 15 12 25 10 84 9.2 17.4 22.2 28.1
Total 238 86 54 89 35 502 100 100 100 100
Kind of Business
Actual Number Percentages
Business/
Resident
0
20
40
60
80
100
120
140
B
u
s
i
n
e
s
s

U
n
i
t
s

Sample Places in Karnataka
Kind of Business
Trading
Artisan
Manufacturers
Agriculture
Service
Service
per cent
Total
per cent
Place
Total
Business
Units
Total per
cent
34.3 44 Bangalore 219 44
11.4 5 Mysore, 23 5
11.4 17 Mangalore 83 17
0 6 Belgaum 30 6
14.3 13 Hubli 63 13
28.6 17 Shimoga 84 17
100 100
Kind of Business
Percentages
0
50
100
150
200
250
Total Business Units
Total per cent
Bangalore Mysore
per cent per cent
No formal educ 11 0 3 1 9 5 29 5 0
SSC 49 3 18 8 4 15 97 22 13
Intermediate 55 5 22 8 13 18 121 25 28
Distance Education 61 12 22 9 19 22 145 28 52
B.Sc 26 3 9 3 10 20 71 12 13
M.Sc/PhD 3 0 3 0 2 3 11 1 0
Others 14 0 6 1 6 1 28 7 0
Total 219 23 83 30 63 84 502 100 100
Education Bangalore Mysore Mangalore Belguam Hubli Shimoga
No formal educ 11 0 3 1 9 5
SSC 49 3 18 8 4 15
Intermediate 55 5 22 8 13 18
Distance Education 61 12 22 9 19 22
B.Sc 26 3 9 3 10 20
M.Sc/PhD 3 0 3 0 2 3
Others 14 0 6 1 6 1
Education
Education Qualifications of Business Residents
Percentage Actual
Belguam Hubli Shimoga Total Mysore Bangalore Mangalore
0
10
20
30
40
50
60
70
N
u
m
b
e
r

MSMEs Owners Education Status
Mangalore Belguam Hubli Shimoga Tot
per cent per cent per cent per cent per cent
3.6 3.3 14 6 6
22 27 6 18 19
27 27 21 21 24
27 30 30 26 29
11 10 16 24 14
4 0 3.2 3.6 2
7 3.3 9.5 1.2 6
100 100 100 100 100
Education Qualifications of Business Residents
Percentage
0
10
20
30
40
50
60
70
Sample Place
MSMEs Owners Education Status
No formal educ
SSC
Intermediate
Distance Education
B.Sc
M.Sc/PhD
Others
Sole
Ownership
Family
Business
Partnership Total
Sole per
cent
Family
per cent
Partnersip
per cent
per cent
Trading 230 5 3 238 54.5 8.9 12.5 47.4
Artisans 77 4 5 86 18.2 7.1 20.8 17.1
Manufacturing 34 12 8 54 8.1 21.4 33.3 10.8
Agriculture 51 35 2 88 12.1 62.5 8.3 17.5
Service 28 0 5 33 6.6 0 20.8 6.6
Others 2 0 1 3 0.5 0 4.2 0.6
Total 422 56 24 502 100 100 100 100
(
2
= 152.81, significant level, 1 per cent)
Source: Authors computation from study Sample Data 2009
Form of
Business
Sole
Ownership
Family
Business
Partnership
Trading 230 5 3
Artisans 77 4 5
Manufacturing 34 12 8
Agriculture 51 35 2
Service 28 0 5
Others 2 0 1
Actual Percentage
Kind of Business and Form of Business
Kind of
Business
0
50
100
150
200
250
Sole Ownership Family Business Partnership
N
o
.

o
f

F
i
r
m
s

Type of Business
KIND OF BUSINESS
Trading
Artisans
Manufacturing
Agriculture
Service
Others
Micro
Enterprises
Small Scale
Enterprises
Total Micro per
cent
Small per
cent
Total per
cent
No Formal
Education
25 4 29 6.8 3 5.8
SSC
67 10 77 18.3 7.4 15.3
Intermediate
81 13 94 22.1 9.6 18.7
Distance
Education
112 33 145 30.5 24.4 28.9
B.Sc
58 60 118 15.8 44.4 23.5
M.Sc/Ph.D
7 4 11 1.9 3 2.2
Others
17 11 28 4.6 8.1 5.6
Total 367 135 502 100 100 100
Educatio
n
Micro
Enterprise
s
Small
Scale
Enterpri
ses
Total
No. of
Ownners
367 135 502
(
2
= 72.28, Significant level, 5 per cent)
Source: Authors computation from study Sample Data 2009
Education
Level of Education and Kind of Business
Actual Percentages
0
50
100
150
Micro Enterprises
N
o
.

o
f


O
w
n
e
r
s

Nature of Business
Level of Education of the Business Owner
367
No. of Ownners
Sample Units Sectorwise
Micro Enterprises
Micro Enterprises Small Scale Enterprises
Nature of Business
Level of Education of the Business Owner
No Formal Education
SSC
Intermediate
Distance Education
B.Sc
M.Sc/Ph.D
135
No. of Ownners
Sample Units Sectorwise
Small Scale Enterprises
Micro
Enterprise
Small Scale
Enterprise
Total
Micro per
cent
Small per
cent
Total per
cent
Trading 177 61 238 48.2 45.2 47.4
Artisans 66 20 86 18 14.8 17.1
Manufacturing 33 21 54 9 15.6 10.8
Agriculture 66 23 89 18 17 17.7
Services 24 9 33 6.5 6.7 6.6
Total 367 135 502 100 100 100
(
2
= 56.32, significant level, 10 per cent)
Source: Authors Computation from Study Sample Data 2009
Kind of
Business/
Sector
Micro
Enterpris
e
Small
Scale
Enterprise
Trading 177 61
Artisans 66 20
Manufacturing 33 21
Agriculture 66 23
Services 24 9
Total 367 135
Category
Actual Percentage
Kind of
Business/Sect
or
0
50
100
150
200
Trading Artisans Manufacturing
Kind of Business Sector Wise
Micro Enterprise
Manufacturing Agriculture Services
Kind of Business Sector Wise
Small Scale Enterprise
Licence/Ciit
y
Bangalore Mysore Mangalore Belguam Hubli Shimoga
Banks
Licenced
74 29 26 24 7 9
Banks with
Provisional
licence
73 22 20 7 6 8
Total 147 51 46 31 13 17
Table 3.2
Place
Micro
Enterprise
%
Small Scale
Enterprise
%
Medium
Scale
Enterprise
%
Bangalore 741,448 33 142,285 44 16,662 59
Mysore 556,086 25 106,713 33 8,999 32
Mangalore 381,534 17 41,304 13 1,208 4
Belgaum 285,220 13 24,112 7 890 3
Hubli 189,890 8 6,889 2 302 1
Shimoga 103,007 5 1009 1 158 1
Total 2,257,185 100 322,312 100 28,219 100
place Micro Enterprise %
Small Scale
Enterprise
% Total %
Bangalore 74,145 33 14,229 44 88,374 34
Mysore 55,609 25 10,671 33 66,280 26
Mangalore 38,154 17 4,130 13 42,284 16
Belgaum 28,522 13 2,411 7 30,933 12
Hubli 18,989 8 689 2 19,678 8
Shimoga 10,301 5 101 1 10,402 4
Total 225,720 100 32,231 100 257,951 100
Source: Adapted from Chemonics International for USAID (2005)
Distribution of MSEs Operators Using
Bank Licence Status in Karnataka
Source: Adapted from Chemonics International for USAID
Distribution of Micro, Small and Medium Enterprises in Karnataka
Table 3.4 Questionnaire Distribution / Response Rate of Micro, Small & Medium Enterprise Operators
Place
Micro-finance
Banks with final
license
Percentage of
Spread ( per
cent)
No. of
Questionnaire
distributed
No. of
questionnaires
returned
Rate of
Response (
per cent)
Bangalore 74 44 274 219 38.5
Mysore 29 17 106 83 13.8
Mangalore 26 16 96 84 13.7
Belgaum 24 14 88 63 10.5
Hubli 7 4 26 23 4
Shimoga 9 5 33 30 5
Total 169 100 623 502 85.5
Source: Researchers Analysis of Field Survey, 2009
Place
No. of
Questionnaire
distributed
%
No. of
questionnaires
returned
%
Bangalore 274 43.98 219 38.5
Mysore 106 17.01 83 13.8
Mangalore 96 15.41 84 13.7
Belgaum 88 14.13 63 10.5
Hubli 26 4.17 23 4
Shimoga 33 5.30 30 5
Total 623 100 502 85.5
Place
No. of
Questionnaire
Distributed (100
%)
No. of
Questionnaires
Returned ( 85.5
%)
Bangalore 44 38.5
Mysore 17 13.8
Mangalore 16 13.7
Belgaum 14 10.5
Hubli 4 4
Shimoga 5 5
Total 100 85.5
100
200
300
400
500
600
700
Total
169
136
305
Total %
900,395 35
671,798 26
424,046 16
310,222 12
197,081 8
104,174 4
2,607,716 100
Bank Licence Status in Karnataka
Distribution of Micro, Small and Medium Enterprises in Karnataka
0
20
40
60
80
N
o
.

L
i
c
e
n
c
e

T
a
k
e
n

Place
MSMEs - Licence With Banks
Banks Licenced
Banks with Provisional
licence
0
20
40
60
80
Micro Medium Small
N
o
.

o
f

F
i
r
m
s

Sector
Sample Enterprises in
Micro, Medium & Small Scale Sector (in %)
Bangalore
Mysore,
Mangalore
Belgaum
Hubli
Shimoga
0
5
10
15
20
25
30
35
40
45
50
% %
Questionnaire Distribution / Response Rate of Micro, Small & Medium Enterprise Operators
0
100
200
300
400
500
600
700
No. of Questionnaire
distributed
%
No. of questionnaires
returned
%
0
10
20
30
40
50
No. of Questionnaire
Distributed (100 %)
No. of Questionnaires
Returned ( 85.5 %)
Questionnaire Distributed Vs Received (in %)
Bangalore
Mysore
Mangalore
Belgaum
Hubli
Shimoga
Bangalore
Mysore,
Mangalore
Belgaum
Hubli
Shimoga
Bangalore
Mysore
Mangalore
Belgaum
Hubli
Shimoga
b
State Micro Medium Small %
Bangalore 33 44 59 35
Mysore, 25 33 32 26
Mangalore 17 13 4 16
Belgaum 13 7 3 12
Hubli 8 2 1 8
Shimoga 5 1 1 4
Total 100 100 100 100
33 44 59
25 33 32
17 13 4
13 7 3
8 2 1
5 1 1
No Yes Total
No per
cent
Yes per
cent
Total
per cent
5 and below years 93 146 239 54.1 44.2 47.6
6 - 10 years 58 137 195 33.7 41.5 38.8
11 - 15 years 16 40 56 9.3 12.1 11.2
16 - 20 years 5 5 10 2.9 1.5 2
20 years and above 0 2 2 0 0.6 0.4
Total 172 330 502 100 100 100
Actual Percentage
Enterprise
Age
Composition of Capital Structure
Entrepreneurial Training/meeting
0
20
40
60
80
Micro Medium
N
o
.

o
f

F
i
r
m
s

Sector
Sample Enterprises in
Micro, Medium & Small Scale Sector (in %)
N
o
.

o
f

R
e
s
p
o
n
d
e
n
t
s

Training/meeting No Yes
5 and below years 93 146
6 - 10 years 58 137
11 - 15 years 16 40
16 - 20 years 5 5
20 years and above 0 2
Small
Sample Enterprises in
Micro, Medium & Small Scale Sector (in %)
Bangalore
Mysore,
Mangalore
Belgaum
Hubli
Shimoga
0
20
40
60
80
100
120
140
160
No Yes
N
o
.

o
f

R
e
s
p
o
n
d
e
n
t
s

Opinion
Entrepreneutial Training/Meeting
5 and below years
6 - 10 years
11 - 15 years
16 - 20 years
20 years and above
Education No formal educ 0 11 3 1 9 5 29
SSC 3 49 18 8 4 15 97
Intermediate 5 55 22 8 13 18 121
Distance Education 12 61 22 9 19 22 145
B.Sc 3 26 9 3 10 20 71
M.Sc/PhD 0 3 3 0 2 3 11
Others 0 14 6 1 6 1 28
Total 23 219 83 30 63 84 502
Ondo Osun Oyo Total
Business Resident
Actual
Ekiti Lagos Ogun
Ek La Og On Os Oy Tot
per cent per cent per cent per cent per cent per cent per cent
0 5 3.6 3.3 14 6 6
13 22 22 27 6 18 19
28 25 27 27 21 21 24
52 28 27 30 30 26 29
13 12 11 10 16 24 14
0 1 4 0 3.2 3.6 2
0 7 7 3.3 9.5 1.2 6
100 100 100 100 100 100 100
Business Resident
Percentage
Trading Artisan Manuf. Agric.
Business Ekiti 11 2 2 4
Resident Lagos 127 28 22 30
Ogun 43 18 4 14
Ondo 13 8 3 6
Osun 22 15 11 10
Oyo 22 15 12 25
Total 238 86 54 89
Kind of Business
Actual Number
Service Total
Trading per
cent
Artis per
cent
Manuf per
cent Agri per cent
Servic per
cent
per cent
4 23 4.6 2.3 3.7 4.5 11.4 5
12 219 53.4 32.6 40.7 33.7 34.3 44
4 83 18.1 20.9 7.4 15.7 11.4 17
0 30 5.5 9.3 5.6 6.7 0 6
5 63 9.2 17.4 20.4 11.2 14.3 13
10 84 9.2 17.4 22.2 28.1 28.6 17
35 502 100 100 100 100 100 100
Kind of Business
Actual Number Percentages
Micro Small Micro % Small % Total
Single 26 10 10 9.5 36
Married 169 74 67 70 243
Divorced 10 6 3 5.7 16
Separated 38 11 15 10.5 49
Widowed 9 4 3 3.8 13
Sub Total 252 105 100 100 357
18 24 25 9 10 9 34
25 34 78 20 31 19 98
35 44 89 33 35 31 122
45 54 36 23 14 22 59
55 64 22 19 9 18 41
65 and above 2 1 1 1 3
Sub Total 252 105 100 100 357
No Formal
Education 11 1 4.3 1 12
SSC 52 26 20.6 24.7 78
School Cert 58 35 23 33.3 93
Distance
Education 79 21 31 20 100
B.Sc 34 10 13 10 44
M.Sc/Ph.D 4 3 1.5 2 7
Others 14 9 6 9 23
Sub-Total 252 105 100 100 357
None 47 20 19 19 67
1 2
81 25 32 24 106
3 4
88 40 35 38 128
5 and above
36 20 14 19 56
Sub Total
252 105 100 100 357
Christian
164 64 65 61 228
Islam
81 36 32 34 117
Other 7 5 8 5 357
Sub-Total 252 105 100 100 357
v
v
Female
Education
No. of
Children
Religion
Variation Levels
Marital Status
Age Group
Micro Small per cent per cent Total
23 7 20 23 30 66 13
73 20 63 67 93 336 67
5 0 4 0 5 21 5
11 2 10 7 13 62 12
3 1 3 3 4 17 3
30 100 100 145 502 100
10 2 9 7 12 46 9
57 10 50 33 67 165 33
25 11 22 37 36 158 31
16 3 14 10 19 78 16
6 3 5 10 9 50 10
1 1 1 3 2 5 1
115 30 100 100 145 502 100
14 3 12 10 17 29 6
15 4 13 13 19 97 19
23 5 20 17 28 121 24
33 12 29 40 45 145 29
24 3 21 10 27 71 14
3 1 3 3 4 11 2
3 2 3 7 5 28 6
115 30 100 100 145 502 100
24 7 21 23 31 98 19
40 4 35 13 44 150 30
41 12 36 40 53 181 36
10 7 9 23 17 73 15
115 30 100 100 145 502 100
34 13 30 43 47 275 55
69 13 60 43 82 199 40
12 4 10 14 16 28 5
115 30 100 100 145 502 100
Male
All Tot All per cent