The lack of adequate access to funding is a major obstacle to the growth of the vital Small and Medium-Sized Indian Enterprises (SME) industry. This paper looks at major issues in the financing of Indian SMEs, such as information asymmetry of banking firms, as well as the effectiveness of measures such as credit ratings for SMEs. It also examines the importance of credit rating and risk assessment for the credit rating of SMEs to address the information problem or lending.

The purpose of this paper is to examine the relationship between job satisfaction, organizational commitment, and turnover intention in Vietnam’s textile and garment industry. In this study, a total of 1028 surveys were collected from employees in top-ten textile and garment companies to test the goodness of fit, measurement model, and structural model between constructs by using the partial least squares path modeling. The result identifies five key factors affect job satisfaction including compensation, safety climate, job characteristic, spiritual well-being, coworker relationship. Besides, job satisfaction and organizational commitment also have a significant and negative effect on employee turnover intention and marital status was found as the mediator to the relationship between organizational commitment and turnover intention. The results of this study are helpful for the managers in making the priority strategies to reduce the turnover rate and make Vietnam become an important part of the global supply chain in the textile and garment industry.