Problem 054Industry & MSME
MSME Credit Crunch
Small businesses cannot access affordable loans.
Root Causes
- Collateral demand
- Slow banks
- Weak credit history
Impact on Citizens
- Growth stalls, job losses
Practical Solutions
- Cash-flow-based lending
- Public credit guarantee expansion
- Digital MSME onboarding
What You Can Do
- Support local MSMEs by buying local
Citizen Voice
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