#Shariq textiles 2016

[youngmagazin]

Deeba lawn Collection by Shariq Textiles

All these dresses are beautiful with Unique Digital Flower Prints & have new stitch Style.This collection has been designed only according to latest and latest fashion trends.

Shariq Textiles is a renowned name in Pakistani fashion industries, you will find eye-catching patterns, modern silhouettes and quality fabrics in their every collection, at this time they have introduced splendid summer dresses in their latest Riwaj Lawn Collection 2017 by Shariq Textiles.

Deeba lawn Collection by Shariq Textiles

#gallery-0-4 { margin: auto; } #gallery-0-4 .gallery-item { float: left; margin-top: 10px; text-align: center; width: 33%; } #gallery-0-4 img { border: 2px solid #cfcfcf; } #gallery-0-4 .gallery-caption { margin-left: 0; } /* see gallery_shortcode() in wp-includes/media.php */

Deeba lawn Collection by Shariq Textiles Deeba lawn Collection by Shariq Textiles All these dresses are beautiful with Unique Digital Flower Prints & have new stitch Style.This collection has been designed only according to latest and latest fashion trends.

[vsplusonline]

For MSMEs, Finance Minister's Rs 3-lakh crore credit guarantee may not lead to assured benefits

New Post has been published on https://apzweb.com/for-msmes-finance-ministers-rs-3-lakh-crore-credit-guarantee-may-not-lead-to-assured-benefits/

For MSMEs, Finance Minister's Rs 3-lakh crore credit guarantee may not lead to assured benefits

For millions of small businesses in the country, credit guarantees for collateral-free loans may not be enough to survive the global pandemic crisis.

On Wednesday Finance Minister Nirmala Sitharaman outlined a slew of measures for MSMEs, which included setting up a collateral-free automatic loan provision worth Rs 3-lakh crore. To provide stressed MSMEs with equity support, the Government will also facilitate provision of Rs. 20,000 crore as subordinate debt and a Rs 50,000 crore equity infusion for MSMEs through Fund of Funds. The Government also took the opportunity to change the definition of MSMEs in the country.

The measures may seem big on numbers, but many are skeptical if it can translate into meaningful gains. However, before getting into what keeps small businesses anxious, there are some positives from the announcements.

The positives According to Ashwini Anand, Founder and CEO, Monsoon Creditech, the announcement addresses the problem of lack of credit to a reasonable extent. “To put the Rs 3 lakh crore figure into context, it is interesting to note that as of the end of FY 2019, banks and NBFCs had about Rs 17.4 lakh crore outstanding to MSMEs. So, this sum of Rs 3 lakh crore is roughly 17% of the total credit outstanding to MSMEs – not a small number.”

Anand adds that it is also interesting to note that since the government seems to be guaranteeing these loans and not actually lending this money from its own books, the impact on the fiscal deficit is not nearly going to be as bad as the top-line number suggests. “NPAs on MSME loans have historically been over 10% at an aggregate level. For example, according to TransUnion, June ’19 NPA rates for MSMEs (at a pan India level) were 16.1% for loans disbursed by PSU banks, 3.8% private banks and 5.4% for NBFCs.”

According to the Economic Survey, despite a decrease in policy rates, the credit growth in the economy has been declining since the beginning of 2019. Bank Credit growth (YoY) moderated from 12.9 per cent in April 2019 to 7.1 per cent as on December 20, 2019. The main contributor to this slowdown has been a negative growth of credit to Micro, Small and Medium Enterprises and Textiles. The Government has tried to address this now by providing collateral free guaranteed loans.

According to Sanjay Doshi, Leader – Financial Services Advisory, KPMG in India, the biggest challenge banks faced in providing incremental is the basis of underwriting as the norms and historical information around profitability, stock levels, working capital levels, etc. under which credit was extended cannot be relied upon.

“In the new reality, banks are in a dilemma on how to assess a borrower and what risks they need to underwrite. Further, even when borrowers are willing to provide collateral, there are practical challenges around something as basic as stamping and signing a document. Collateral free automatic loan under the 100% credit guarantee scheme should provide relief to the MSME,” says Doshi.

Source- Economic Survey of India The flipside To understand what is at stake, it is important to understand the importance of the MSME sector. The MSME sector contributes in a significant way to the growth of the Indian economy with a vast network of about 6.3 crore units and a share of around 30 per cent in nominal GDP in 2016-17. The share of the sector in total manufacturing output was even higher at 45 per cent.

What seems to be the biggest miss from the announcement is that there is little to stimulate demand and providing more or easier debt may not be the answer to address the liquidity challenges for MSMEs.

“The package announced today has left MSMEs thoroughly disappointed. MSMEs were demanding immediate financial support to pay salaries and interest on loans during the period of lock down. Instead, the Government has offered a loan scheme without collateral. The scheme entails little expenditure for Government- it will only help create a Credit Guarantee Fund, which will enhance the comfort level of bankers to lend. Good, but not enough for MSMEs. There are several other initiatives which would be helpful in different degrees to MSMEs like Rs 20,000 crore sub-ordinate debt fund, and Fund of Funds etc.,” says Anil Bhardwaj, Secretary General, Federation of Indian Micro and Small & Medium Enterprises (FISME)

Jayanth Mutha, Director, Himlite Products says while the intent was right, the actions have been half- baked. “As far as the short term measures are concerned, there has been a loss in sales so far. Expenses, salaries and rent have to be paid. So I take a loan and pay. But they haven’t said anything about the interest rate which I presume won’t be low. So while I can take a loan and solve my immediate liquidity problem, I will have the burden that there is another loan that I have to pay back. I don’t want to be an NPA. More clarity of thought should have come by while announcing such measures,” says Mutha.

The unorganised sector may be left out from the scheme.

Collateral free loans are not a new phenomenon and have been announced earlier too, and Saurabh Agarwal, Principal, IIF College of Commerce and Management Studies and Managing Committee Member, Assocham says the critical issue here is that banks have always been averse to lending to what they regard an ‘unprofitable business idea’. “So unless any MSME is looking for business expansion or has a financially rewarding business plan, our banks don’t show much interest in funding them,” says Agarwal.

The Reserve Bank of India has been trying to nudge banks to lend to MSMEs for years, but has not been very successful. Banks loans to MSMEs qualify for Priority Sector Lending classification. The RBI had also recently announced that incremental loans to MSMEs will be exempted from CRR from fortnight ending January 31, 2020 up to fortnight ending July 31, 2020. However, bank loans to sector has failed to pick-up, with most lenders have turned risk averse, opting to park their money with the RBI instead of lending it to small businesses.

The biggest worry for MSMEs is the fact that even if they manage to secure a loan from a bank, in the absence of real demand, they may slide into a debt trap. “The FM did not speak anything about demand revival. For all companies to stand on their own feet, they would need sales and demand revival eventually. The demand revival chain needs to be set in motion for such small and medium units to survive in the first place. Also, there was no mention of the labour. When there are no people to run the factories, what can really be done, “questions Mutha.

According to Doshi, the Scheme appears to address the existing borrowers with outstanding credit. “Working of the scheme for ‘new to credit’ MSME needs further clarity. The effectiveness of policy measure announced lies in the efficacy of its implementation. We need to wait for the finer points on the implementation steps,” Doshi says.

Talking on similar lines, Mahavir Pratap Sharma, Immediate Past Chairman, CEPC, says the fine print is what has to be seen. “It will be good if the quantum of Rs 3 lakh crore loans can be split between micro, small and medium enterprises. Also, I still don’t know how they will take in account the unorganised sector that don’t file returns and don’t have a balance sheet either. Hopefully the money will trickle down to them too,” says Sharma.

(With contributions from Neha Dewan and Shariq Khan)

if(geolocation && geolocation != 5 && (typeof skip == 'undefined' || typeof skip.fbevents == 'undefined')) !function(f,b,e,v,n,t,s) if(f.fbq)return;n=f.fbq=function()n.callMethod? n.callMethod.apply(n,arguments):n.queue.push(arguments); if(!f._fbq)f._fbq=n;n.push=n;n.loaded=!0;n.version='2.0'; n.queue=[];t=b.createElement(e);t.async=!0; t.src=v;s=b.getElementsByTagName(e)[0]; s.parentNode.insertBefore(t,s)(window, document,'script', 'https://connect.facebook.net/en_US/fbevents.js'); fbq('init', '338698809636220'); fbq('track', 'PageView');

Source link

[fashionmiddlefan]

Mina Hasan Lawn Collection 2016 by Shariq Textiles is attractively decorated. In summer, various lawn collections dominate the market and Mina Hasan has announced the wonderful Summer Lawn Collection 2016 by Shariq Textiles to make women more fashionable and trendy. #exclusivecollection #FamousBrand #fashion #fashionblog #fashionbrand #fashionmiddle #fashionnuts #latestcollection #lawncollection #minahasan #minahassan #summercollection http://bit.ly/2AFmTSJ https://www.instagram.com/p/BscZG6sA1Xw/?utm_source=ig_tumblr_share&igshid=ahnfaae3pvx4

[fashioncentralpk]

Mina Hasan Exclusive Lawn Collection

With the summer, a variety of lawn collections dominates market and to make women more fashionable and trendy Mina Hasan has launched his fabulous Summer Dresses Collection 2016 by Shariq Textiles.

[hello2fashions-blog]

Newly, everyone knows that winter season is coming very soon in coming days. Modern girls and women are very consensus in winter season for dresses. Every women and girls wants to be look very beautiful in these days. Shariq textiles rabea linen suits wear collection 2016 for women has been all released and showcased and in this post, we will be letting you know the complete subtle elements of this collection line. As we all realize that this center point named by has all the time think of astonishing and brilliant sort of collection lines and

this time once more, they have showcased this rabea linen suits wear collection 2016 and we are certain that every one of the young ladies out there will experience passionate feelings for this collection line.

In this rabea linen suits wear collection 2016, you will be having sleeveless shirts, you will too be having full and three quarter sleeve shirts and every one of these cuts and pieces are looking all that much astonishing and psyche blowing. A portion of the linen suits wear collections have been accepted with trim work and string work as well and it is the frivolity and ribbon work embellishments on this collection that has been making it all fabulous and engaging looking. In the event that we discuss the hues then we have seen that in this embroidered dresses, you will be having these outfits in the shades of red, water, peach, maroon and white and all these dresses are looking all that much enticing.

We have seen that Shariq textiles is one of those astounding and outmaneuver style centers that has all the time think of magnificent collection lines, it has all the time concoct extraordinary and imaginative print outlines and this time once more, we have these amazing looking dresses. You can likewise look at the images of this collection line right from here.

Just wait a bit on this page go down and take a look at collection here below and for more fashion products and brands visit our website: www.hello2fashions.com and Facebook page: https://www.facebook.com/Fashhunt2015?ref=hl

Fancy Women Rabea Linen Suits Wear Collection 2016 by Shariq textiles Newly, everyone knows that winter season is coming very soon in coming days. Modern girls and women are very consensus in winter season for dresses.

[youngmagazin]

Riwaj Embroidered Lawn Collection by Shariq Textiles

In this collection includes the Formal & Casual wear dress with new prints for this Spring & Summer season.In this Collection lawn Dresses are also shows.All these dresses are beautiful with Unique Digital Flower Prints & have new stitch Style.This collection has been designed only according to latest and latest fashion trends.

Shariq Textiles is a renowned name in Pakistani fashion industries, you will find eye-catching patterns, modern silhouettes and quality fabrics in their every collection, at this time they have introduced splendid summer dresses in their latest Riwaj Lawn Collection 2017 by Shariq Textiles.

Shirts of this collection has crafted with artistic patterns of floral, zigzag, circles, squares, lines, arrows, botanic and abstract prints, these patterns have crafted on both front and back side of shirts, matching patterns has also crafted on the dupattas of these collections.

Stylish long shirts have been coordinated with the means of salwar and pants along with dupattas. The shirts can be fixed with pajamas churidar also. The dresses have been completely embellished with embroidery cover and print style.

Riwaj Embroidered Collection by Shariq Textiles! Available Nationwide From 17th April !! Price: 1990/=

Riwaj Embroidered Lawn Collection by Shariq Textiles

#gallery-0-4 { margin: auto; } #gallery-0-4 .gallery-item { float: left; margin-top: 10px; text-align: center; width: 33%; } #gallery-0-4 img { border: 2px solid #cfcfcf; } #gallery-0-4 .gallery-caption { margin-left: 0; } /* see gallery_shortcode() in wp-includes/media.php */

Riwaj Embroidered Lawn Collection by Shariq Textiles Riwaj Embroidered Lawn Collection by Shariq Textiles In this collection includes the Formal & Casual wear dress with new prints for this Spring & Summer season.In this Collection lawn Dresses are also shows.All these dresses are beautiful with Unique Digital Flower Prints & have new stitch Style.This collection has been designed only according to latest and latest fashion trends.

[fashionmiddlefan]

Mina Hasan Exclusive Lawn Collection 2016

Mina Hasan Lawn Collection 2016 by Shariq Textiles is attractively decorated. In summer, various lawn collections dominate the market and Mina Hasan has announced the wonderful Summer Lawn Collection 2016 by Shariq Textiles to make women more fashionable and trendy. These dresses made to keep it cool in the hot summer season are the reason Lawn's comfortable fabrics have been used to make this collection.

(adsbygoogle = window.adsbygoogle || ).push({});

(adsbygoogle = window.adsbygoogle || ).push({});

(adsbygoogle = window.adsbygoogle || ).push({});

(adsbygoogle = window.adsbygoogle || ).push({});

(adsbygoogle = window.adsbygoogle || ).push({});

(adsbygoogle = window.adsbygoogle || ).push({});

(adsbygoogle = window.adsbygoogle || ).push({}); See Also:- Amina Yasmeen by Mansoor Akram Collection 2015 (adsbygoogle = window.adsbygoogle || ).push({ google_ad_client: "ca-pub-2115497069807192", enable_page_level_ads: true }); Komal Nasir Winter Shawl Collection at PFW10 London 2016 (adsbygoogle = window.adsbygoogle || ).push({ google_ad_client: "ca-pub-2115497069807192", enable_page_level_ads: true }); Ahmad Bilal ‘Noor-e-Nazar’ Bridal Collection 2018 (adsbygoogle = window.adsbygoogle || ).push({ google_ad_client: "ca-pub-2115497069807192", enable_page_level_ads: true }); Gogi by Hassan Riaz Collection at Pakistan Fashion Week London 2018 (adsbygoogle = window.adsbygoogle || ).push({ google_ad_client: "ca-pub-2115497069807192", enable_page_level_ads: true }); Cross Stitch Latest Winter Collection 2018-19 (adsbygoogle = window.adsbygoogle || ).push({ google_ad_client: "ca-pub-2115497069807192", enable_page_level_ads: true }); Farah Talib Aziz Wedding Wear Collection 2019 (adsbygoogle = window.adsbygoogle || ).push({ google_ad_client: "ca-pub-2115497069807192", enable_page_level_ads: true });

Read the full article

[fashionmiddlefan]

Mina Hasan Exclusive Lawn Collection 2016

Mina Hasan Exclusive Lawn Collection 2016

Mina Hasan Lawn Collection 2016 by Shariq Textiles is attractively decorated. In summer, various lawn collections dominate the market and Mina Hasan has announced the wonderful Summer Lawn Collection 2016 by Shariq Textiles to make women more fashionable and trendy. These dresses made to keep it cool in the hot summer season are the reason Lawn’s comfortable fabrics have been used to make this…