FEEDBACK FOR IMPROVEMENT OF THE MSME

PROGRAMME UNDERTAKEN BY BEE, WORLD BANK AND

SIDBI
1. How reciprocative the financial institutions became after being part of the
project:
a)
b)

c)

d)

No change has been seen and the concerns remains the same
Small positives have been observed (like lower transactional
costs, better understanding of projects by bank officials, etc.)
but much is still solicited
Things have greatly improved like the EE loan applications are
entertained and unattractive financial terms due to high risk
perception have eased
Others (please write a line explaining your part if this option is
selected)

2. How responsive the government & international agencies were found out
during the project:
a)
b)

c)

d)

The government & international agencies do not understand

the actual concern and are working on the surface
The government & international agencies understand the
concern but are not doing enough at the policy and regulatory
level to resolve it
The government & international agencies have been able to
streamline the intuitional weaknesses, financing sector and
their impression about MSMEs
Others (please write a line explaining the same if this option is
selected)

3. As an MSME how do you perceive the penetration of EE technologies in

your cluster:
a)
b)

c)
d)

There is poor understanding of the technology and its

functioning which hampers the adaptability of it
The technologies identified/available are not that beneficial in
practical terms, which is being perceived by some during
analysis
Operation and maintenance of the technology seems to be a
major challenge which is hindering its replication
The technologies and their merits are well known amongst the
MSMEs which are fast adopting it

4. As an end customer how do you foresee capital cost as a challenge for

transition to energy efficient or new technologies in your cluster:
a)

b)

The capital cost used to be a challenge initially but now with

evolving understanding the financial institutions are more
accommodative in providing loans and charging rational
transaction costs
Assessing finance is relatively easy, however, providing
collateral or equivalent surety is still a problematic area

FEEDBACK FOR IMPROVEMENT OF THE MSME

PROGRAMME UNDERTAKEN BY BEE, WORLD BANK AND
SIDBI
c)

d)

The banks/FIs have gained insights but are still averse to

possible risks while making investments in EE due to existing
policies and regulations of bank
The scenario on ground has not changed much inspite of all the
capacity building assistance the banks/FIs got

5. Did the capacity building workshops/initiatives contributed to your

proposal quality improvement:
a)

b)

c)

d)

The workshops, interaction with financial institutions and

experts has really been beneficial to us in understanding their
requirements, which have translated into quality improvement
of our proposals to bank
The interaction assisted us somewhat in knowing as to what
they are looking in from a proposal and we are trying to come
up with it in all our future documents
The interaction was like all other previous discussions and
didnt really help us to improve the technical or financial
requirements of the proposal. It was mostly what they want but
didnt stressed on ways as how to comply with that
The interaction was out of context and didnt touched upon the
actual concerns what we are facing while trying to secure a
loan

6. Will you recommend the cluster level workshops in near future as the right
platform to hold discussions or meetings:
a)

b)

c)

d)

No, the cluster level meetings are too crowded and

unorganized during which the actual message at times is not
delivered
The cluster level workshops are fine but a more selective/small
group workshops will be more effective in putting the point
across
Cluster level workshops are a wonderful platform where apart
from listening to the external experts we also get an
opportunity to interact and learn from our own industry
experience
Others (please write a line explaining the same if this option is
selected)

7. Moving ahead from our initial question about the central financial
institutions, do you foresee any change at the local bank level while
interacting with them:
a)

b)

c)

Yes, the local bankers are now much more responsive &
understanding of our challenges & limitations while reviewing
our proposal for implementation of an energy efficient
technology
The local bankers have become receptive to our needs and
limitations to a certain extent, however, still a lot needs to be
done before we can term it a considerable change
The local bankers now do understand the scenario of local

FEEDBACK FOR IMPROVEMENT OF THE MSME

PROGRAMME UNDERTAKEN BY BEE, WORLD BANK AND
SIDBI
d)

MSMEs but are bound by the bank policies and regulations

which ultimately doesnt help the cause of MSMEs
No, the behaviour of local banks and bankers is still the same
and they are non-responsive to our working constraints

8. Have the Government/Funding agencies been able to assist you in

covering the soft costs incurred for implementation of energy efficiency
technologies:
a)

b)
c)

d)

No, there has been no support from any agency in getting the
soft costs covered which we incur while endeavouring to
implement a EE project
No, there has been no support because we were not able to
fulfil the requirements that were required for being eligible
Yes, there have been partial assistance in which they did
covered some of the expense that we incurred but the
umbrella of assistance needs to be enhanced
Yes, the agencies were really cooperative and covered
whatever viable soft costs we incurred during the whole
process of implementation

9. Did you got any support from your local association which was also part of
the programme:
a)
b)

c)

d)

No, the association mostly played their part as facilitator and

was not of help beyond their obligatory responsibilities
Yes, the association did whatever was entrusted to them but
was not enough and may be their role should increase as they
understand our concerns better than others
Yes, the association did more than that was given to them and
couldnt have done anything more, however, the concerns are
still not resolved because of other factors involved
Yes, the association provided all possible help and have been
given the right set of responsibilities, it should be followed in
the future as well

10.Have you gone through the DPR submitted for your unit and implemented
any of the proposed energy efficiency measures:
a)
b)

c)

d)

No, we have not gone through the DPR as nobody explained it

to us and at our end we were not able to find much merit in it
Yes, we have gone through the DPR and had discussions with
the concerned agency, however, measures suggested doesnt
seem to be practical and so we have not gone ahead with the
implementation
Yes, some of the technologies proposed in the DPR were really
relevant but we were not able to go ahead with implementation
because of financial constraints as we were not able to secure
a loan
Yes, we have gone through the report and technologies,
however, couldnt get ahead with the implementation because
we perceived the M&V will never realize the results that were

FEEDBACK FOR IMPROVEMENT OF THE MSME

PROGRAMME UNDERTAKEN BY BEE, WORLD BANK AND
SIDBI
e)

f)

being foreseen from implementation

Yes, we have also gone ahead with the implementation of
technologies agreed upon but after the M&V we were not able
to realize the benefits perceived
Yes, weve gone ahead with most of the interventions that were
mutually agreed during the discussions and are reaping the
benefits as initially foreseen by us

11.What are the possible reasons you perceive that some of the feasible
technologies have failed to take off and get replicated across the sector:
a)
b)
c)

d)
e)

The technology was not having those many practical benefits

for our as was suggested by the auditing agencies
The efficacy of the technology was known to us as well,
however, high capital or operational cost were a barrier
The technology inspite of the merits involved was not proven in
our kind of business in India and as so there was lots of
sceptism surrounding it amongst us as well as the financial
institutions
In our kind of business we cannot afford a shutdown for those
many days for implementation of the technology
Others (please write a line explaining the same if this option is
selected)

12.Do you think the implementation was enacted as per the plan:
a)
b)

c)
d)

e)

No, it was mostly because of we received no implementation

support that was supposed to be extended
Yes, but an extent only as we encountered lots of concerns
from limited support to constraints finances as banks were not
releasing the fund on time
Yes, but there are lots of things that couldve been planned
better from implementation support, M&V, finances, etc.
Yes, the implementation support was there as and when
required, however, we had certain concerns mostly because of
our internal plant related issues which hampered the entire
process
Yes, everything went really well as it was foreseen and planned
initially

13.Did the implementation of energy efficient/new technology enhanced your

unit performance:
a)
b)

c)
d)

No, the performance and energy consumption all remains the

same as before
Yes, the performance and energy consumption has improved
but couldnt be captured in the M&V due to some changes
made at the load end of plant
Yes, the performance and energy consumption has improved
but not as much as was initially estimated during the analysis
Yes, the performance and energy consumption have improved,
the technology has proved to be a real success for our kind of
operations

FEEDBACK FOR IMPROVEMENT OF THE MSME

PROGRAMME UNDERTAKEN BY BEE, WORLD BANK AND
SIDBI
14.Did the technology supplier/provider shared any risk with the MSME who
was willing to go ahead with implementation:
a)

b)

c)

d)

No, the technology supplier/provider didnt committed for

providing any guarantee/sharing of risk against the technology
just in case if it fails to deliver
Yes, the technology supplier/provider was willing to bear part of
the risk but it was too miniscule compared to the risk MSME
was asked to pursue
Yes, the technology supplier/provider did conveyed to
guarantee the performance, however, we didnt foresee that
realizing the guarantee would be possible for us because we
will never be able to prove that the poor performance is
because of non-compatibility/failure of technology
Yes, the technology supplier/provider was ready to provide us
technical performance risk of installed equipment by O&M
warranties which was considerable or equivalent to the risk
taken by MSME unit

15.Have you approached/availed the assistance of Credit Guarantee Fund

Trust for Micro and Small Enterprises (CGTMSE) for implementation of EE
technologies:
a)
b)
c)
d)

e)

No, were not aware that any such agency exists who can be
approached for financing of EE project
No, since we cannot fulfil the minimum criteria required for a
loan so we have never got in touch with them
Yes, have submitted a proposal to them but was turned down
because of certain technical and financial shortcomings
Yes, have secured a loan but encountered several other
challenges during the process which should have been more
user friendly
Yes, the process was hassle free and have gone ahead with the
implementation of project/technology

16.Do you find the training material compiled in by the experts in line with
your requirements:
a)
b)
c)
d)

No, the training material is not easily accessible on public

domain
No, the training material is not that helpful
Yes, the training material is useful to some extent but requires
certain amendments and regular updates
Yes, the training material is wonderful and really useful in our
day to day work

17.Kindly populate your total savings which have been accrued after
implementing of energy efficiency measures:
a)
b)

Electrical (please also mention average time period like in 1

year or 2 years over which the savings have been recorded)
Thermal (please also mention average time period like in 1

FEEDBACK FOR IMPROVEMENT OF THE MSME

PROGRAMME UNDERTAKEN BY BEE, WORLD BANK AND
SIDBI
year or 2 years over which the savings have been recorded)