The third in this series of notes, Insights note-Edition 3, covers aspects related to the status
of access to finance among India’s informal enterprises (IEs). Despite several initiatives by the
Government of India, access to finance remains a critical issue among IEs due to several
challenges that this note delves into.

The note discusses examples from MSC’s Financial Diaries research on IEs to validate the
findings. It also provides recommendations for policymakers and financial service providers to
address the credit gap for IEs.

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