International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

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Volume 8 Issue 3
May-June 2026

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Credit Accessibility and Ease of Doing Business among MSMEs: An Empirical Study of Yavatmal District

Author(s) Mr. Deepeshkumar Nirmal Zamad, Dr. Prasad Khanzode
Country India
Abstract Access to institutional credit and the regulatory environment are the most important factors which influence and shape the operational health of Micro, Small and Medium Enterprises (MSMEs). This study examines the relationship between credit accessibility and improvement in ease of doing business among MSMEs in Yavatmal district, Maharashtra. Primary data were collected from 200 MSME unit owners using a structured questionnaire administered through personal interviews. Descriptive statistics were computed and a simple linear regression analysis was run in SPSS to test the hypothesis that credit accessibility significantly influences improvement in ease of doing business. The results indicate a statistically significant relationship between credit accessibility and improvement in ease of doing business, suggesting that access to institutional finance contributes meaningfully to smoother business operations. The study provides district-level empirical evidence and shows the relevance of credit accessibility in shaping MSME business conditions. The paper discusses implications for policymakers, financial institutions and MSME entrepreneurs, and provides study limitations and directions for future research.
Keywords Credit accessibility, Ease of doing business, MSMEs, Yavatmal district, Regression analysis.
Field Business Administration
Published In Volume 8, Issue 3, May-June 2026
Published On 2026-05-19
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E-ISSN 2582-2160
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