• Nisar Ahmad Mir
• Prof Naseem Ahmed
• Prof Parvez Abdullah

The impact of demonetization on lenders like NBFCs, Small and medium enterprises, impact on street vendors and local small markets and we need to understands and have proper introduction on small credit lenders in the market. Though it will take 5 to 6 years to know the actual impact of demonetisation on Indian economy but yes small business-like unorganised segment is clear evident of job cuts, losses in their business, lot of business vanished/disappears from the market. The move made life bit complicated for Unorganised credit lenders, unorganised business segment and other associated parties to it. This study adopts both primary and secondary data to know what demonetisation did to unorganised credit lenders and its users in whole. Further there has been job cuts, poor credit lending growth, rise in NPAs, balance sheet of banks and NBFCs became thinker than as expected. Key word: Demonetization, unorganised credit lenders, organised credit lenders, unorganised credit users in their business prospective, NPA (non performing accounts).

Demonetization, unorganised credit lenders, organised credit lenders, unorganised credit users in their business prospective, NPA (non performing accounts).

"Demonetization “boon or a bane for unorganised credit lenders and unorganised Credit users", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 5, page no.487-491, May-2019, Available :http://www.jetir.org/papers/JETIR1905J72.pdf

"Demonetization “boon or a bane for unorganised credit lenders and unorganised Credit users", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 5, page no. pp487-491, May-2019, Available at : http://www.jetir.org/papers/JETIR1905J72.pdf