*  *  *  Ladies and Gentlemen, let me welcome you all to the one-day international seminar on “Commercial Opportunities in Micro and Small Business Lending”, jointly organized by USAID and Shore Bank International. The seminar comes at the heels of a ‘pro-poor, pro-employment’ budget 2006/07, which has a special allocation of Rs.
Two deserve special mention – one relates to capital and the other to market discipline.