utilities firm Recovery Timeline

16 For a breakdown of the number of enterprises in each location, please see annexure 3. 17 Development commissioner msme, ministry of msme, Government of india. [Online] retrieved from: http:www.dcmsme.gov.inssiindiadeination_msme.html. amendments to the act are under consideration. The proposed update can be found here: Press information Bureau, ministry of msme, Government of india. 2015. msme amendment Bill 2015. retrieved from: http:pib.nic.innewsitePrintrelease.aspx?relid=133655 18 initial investment is how the international Finance Group interprets the act in it 2012 report on the msme sector in india: micro, small and medium enterprise Finance in india. 2012. international Finance corporation. World Bank Group. retrieved from: http:intellegrow.comimagesdownloadpublicationPublication20-20 iFc20msme20report.pdf 19 in an analysis of credit and lending in the msme sector, Dulo and Banerjee intepret the act and the oicial claissiication to mean total investment, and use this as the basis of their analysis. Banerjee, a. and e. Dulo. 2014. Do Firms Want to Borrow more? Testing credit constraints Using a Directed lending Program. review of economic studies. 81 2. Pp 572-607 20 Figure 22 does not include damage to documents, inventory and buildings, as most of the enterprises have not provided the monetary value of loss incurred 21 respondent from Firm 21 did not mention the name of the river. 22 Please note that over half the enterprises surveyed did not provide any response regarding access to inputs for production during the waterlogging period. 23 respondent from Firm 5 did not provide any additional information on what ‘quick action’ means. 24 it is unclear what outsider means – it could be municipal workers or any other cleaner who is not directly employed by Firm 27. 6. Recommendations This section begins with a description of “asks,” or speciic MSME re- quests that emerged from our irm interviews. “Asks” are categorized in terms of: general, from the government, from banks, from insurance companies, and from others. Following the MSME “asks” are our recommendations based on analysis of the irm experiences and the larger context in which they operate. We present these recommendations generally irst. We then list speciic recommendations according to who can do what, and when. These are action items categorized into short, medium, and long term, and in terms of who should take the action: MSME, bank, insurance company, government, or industry association. Finally, we present a brief comparison of the two lists: similarities and diferences between what irms want and what we observe as needed. ‘asks’ from support institutions Enterprises rely on the supporting ecosystem during loods recovery times. This ecosystem includes state government agencies, insurance companies, banks, and associations typically industrial estate associa- tions. After the December 2015 loods, most enterprises received limited assistance from these institutions. Overall, most enterprises were disap- pointed with the lack of comprehensive relief measures they received. This section is a summary of asks from those enterprises: speciic activi- ties that enterprises believe the relevant support institutions should ofer to serve as relief measures from last year’s loods, as well as a precaution in the loods recur. Along the same lines, enterprises asked for speciic zones allotted for industries.

a. general asks

• Location issues: A few enterprises asked for separate land area for in- dustries: area that is less is likely to be neglected or waterlogged. Some even asked more speciically for land area within an industrial estate, with one of the enterprises showing a special preference for SIDCO. One of the enterprises asked to move to another location, Oragadam, where the government has oicially promised to sell land at INR 6,000 per square feet. However, the enterprise found the land to be too expensive and the asking price above the prevailing market rate for the same piece of land at INR 4000 per square feet. The enterprise also objected to the government’s request that the Oragadam land be paid for upfront. Another consideration was that enterprises were unsure that their employees would actually move to new locations.