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PESTEL ANALYSIS and SWOT

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PESTEL ANALYSIS

 Political Factors: The political factors assume a significant job in the micro money
industry as it is dependable to decide the growth of the economy like the
arrangements and guidelines passed by the government, remote exchange strategies,
RBI rules, work laws, tax approaches, different barriers and so on. Thus, the business
is very influenced by the Political Factors.

 Economic Factors: The large scale factors influencing the micro finance industry
incorporate the monetary factors and they are a lot of related. There are changes
happening the financial rules and the standards and the advancement plans which
make an effect on the business. These measures influence the working of this industry
and could be supported by giving positive reliefs towards the business

 Sociological Factors: The conduct of the clients and their buying patterns are affected
by the way of life they are in. The clients for the most part look to banks to finance
their different sorts of loan necessities as they find such organizations safe and
trustworthy.

 Technological Factors: The digitalization has achieved significant changes in the


general activity of the banking and financial services. Presently, physical nearness
isn't mandatory consistently as the significant tasks are brought out through Internet
Banking and by use of different applications which encourage such activities.

 Environmental Factors: The headway of the technological front of the banking and the
micro account industry has made positive effects towards the environmental factors.
The less visits to the workplaces result to the less utilization of the fills and the less
utilization of regular assets. Likewise, digitalisation has prompted the minimal use of
the papers, again contributing decidedly to the environmental reason.

 Legal Factors: The major determining element of the micro money industry regarding
legal factors are the mediation of RBI as far as the new strategies and the rules which
the associations need to follow.

SWOT ANALYSIS OF MARGDARSHAK FINANCIAL


SERVICES
SWOT analysis reflects the strengths, weakness, opportunities and threats of the company:
 Strengths

1. Clear and all around characterized approaches

2. Transparency at all levels

3. Adaptable to changing prerequisites

4. Has contributed towards lessening destitution

5. Affordability and effectively available plans

6. Clarity and great understanding of vision

 Weakness

1. Lack of experienced and efficient field staff

2. Lack of legitimate conveyance organize

3. Need of legitimate preparing to their staff

4. High steady loss rate among the field staff which signifies absence of adequate
apparatuses for worker commitment in association

 Opportunities

1. Scope of presenting occupation related services

2. Financial crunch is helping association to be cost cognizant and viable

3. IT frameworks

4. High demand and flexibly hole: In India 350 million people are poor and just few
MFIs are available to serve them consequently it gives tremendous chance to
MFSL to serve the majority.

5. Huge undiscovered market: Since a significant bit of populace of India has a place
with the more vulnerable segment of the general public which despite everything
lies in rural territories, this area has a gigantic lump to take into account.
6. Opportunities for Private banks, NBFCs, Foreign banks to enter this business
fragment

 Threats

1. Increased in rivalry With such a large number of developed players of MFI like
SKS, Ujjivan Finance, Share Microfin, Janalakshmi and others, there has been a
normally expanding pressure on Margdarshak to remain and support in the
market.

2. Inability in making sufficient advantages close to the end: There have been
different occasions of clients/even agents either getting away with the
money/coming up short/misappropriation of benefits of MFSL. Either case brings
about diminished advantages and feebleness to meet the closures.

3. Over association of the government.

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