Shortcomings:

♤ Lack of adequate financial resources, skills and capacity, and sustained institutional support.

♤ Low survival rate of promoted micro-enterprises.

♤ Bureaucratic apathy and corruption at all levels.

♤ The incidences of red-tapism by banks.

♤ Wage Employment Programmes

Under this the flagship program is MGNREGA, launched in 2005 with legal backing guaranteeing 100 days of wage employment on demand at statutory minimum wages, to people in all rural areas.