Small Business: Financial Challenges
The Small Business Sector is credit starved:

More than 90% enterprises in this sector do not access outside sources of finance. Institutionalised finance is just 3.6% for non SC ST enterprises and 2.6% for SC enterprises and 3.6% for ST enterprises. This is true both in urban and rural areas.

Of those who do access outside sources of finance, firms owned by members of non SC/STs are slightly more likely to access institutional sources of finance (3.6% compared to 2.6% for SCs), as opposed to accessing government anti-poverty programs, moneylenders or NGOs for financing.

*Harvard Business Review - Caste and Entrepreneurship in India, October 18, 2011