Building the capacities of NGOs and CDAs is crucial for creatingefficient systems for operating micro-credit loans
High charges of loans and disregard of the grace period for loanrepayment impede the sustainability of SMEs
Insufficient follow-up surveys to determine the impact of loanson beneficiaries, and to identify measures that could furtherenhance sustainability and effectiveness of loans
Insufficient coordination between funding agencies results inthe implementation of several SME projects in the same areas,thus reducing demand for loans