Many small entrepreneurs who want to develop his business experience various constraints, particularly in terms of licensing. When they intend to propose a loan to the bank, it was often rejected for reasons not be eligible bank (bankable). Not in frequently these small entrepreneurs eventually "desperate" in seeking the loan to the bank. Finally, they are more interested in borrowing to moneylenders or financial institution rather than other banks because it does not elaborate although flower belongs to the high load.

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