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Explain the different aspects of appraising a SME project


The purpose of project appraisal is to establish whether a project is worthwhile in the light of its costs in terms of resource commitments and the projects expected benefits.  That is, appraisal is an ex-ante assessment of a project and is the key element in the decision as to whether or not to proceed with a project. This will involve the consideration of alternative projects, or alternatively, by comparison with the status quo. In practice, this is an intricate and sophisticated process of enquiry, with substantial data requirements. Examination of the viability of the project may require the specialized services of appraisal missions and appointed consultants. Appraisal covers four major aspects of the project:  technical, institutional, financial and economic.
Technical aspects:
This is mainly concerned with issues related to physical scale, layout,  location of facilities, technology used, cost estimates and their relation to engineering or other data on which they are based, the potential impact on the human and physical environment, and a range of other similar concerns related to the technical adequacy and soundness of the project. 
Institutional aspects:
The objective of many projects is not merely to add to physical assets and capital, but also to create and enlarge human and institutional capabilities to manage and maintain development undertakings.  This is possibly the most challenging aspect of the project’s overall success. There may be no shortage of technically well-designed and well-endowed projects. However, many projects have limitations at the human and institutional level. Therefore project appraisal requires careful and sensitive consideration of the institutional dimension and local conditions.
Financial and economic aspects:
Financial appraisal (investment appraisal) is concerned with such questions as the adequacy of funds, the financial viability of the project, the borrower’s ability to service debt, procedures for recovering investment and operating costs, etc, This is different from economic appraisal which addresses the issue of whether a project is worthwhile from the broader point of view of its contribution to aggregate or national economic and social welfare through the use of social cost-benefit analysis as the appraisal technique.