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Discuss the main constraints to the growth of SME finance in Bangladesh?


The main Barriers / Constraints to the promotion of the SME Sector in Bangladesh are:
Lack of capital support: A majority of our small and medium industry entrepreneurs belong to the lower class or lower middle class. They are hard workers, innovators, and-challenge-takers, but cannot get funding from commercial banks due to their inability to provide collaterals.

Absence of policy for transfer of modern technology: The sector is suffering from lack of technological support for upgrading the product quality.

Unavailability of appropriate infrastructure facilities: An Infrastructure facility as water, electricity and gas hampers industrial activities.

Lack of marketing opportunities: SME sector includes a wide range of small and medium industries, but they do not have marketing knowledge and capability to promote their products.

Inadequate policy reforms: Till now, do not have uniform definition of SME. The Bangladesh Bank, Bureau of Statistics, and SME Foundation have different
definitions of SMEs. Government may take necessary initiatives to make it uniform.

Lack of exposure to international markets: Our SME sector is producing handicrafts and decorative and household items having high demand in the developed market, but having the demand women entrepreneurs are unable to attend international markets due lack of exposure and promotion.

Law and order situation: The members of the business community, especially those involved in the SME sector, suffer because of the law and order situation

Illegal imports and non-tariff barriers: Both illegal import and non-tariff barriers are threats to our SME sector. If banned products are smuggled into the country domestic production will be harmed. Our SME products are facing many non-tariff barriers in different markets.

Lack of adequate investments:

High rate of interest on bank loans:

Inadequate availability of raw materials:

Fierce competition:

Lack of skilled technicians and workers:

Lack of research and development facilities: