This is a global problem, and we see that in the Asia-Pacific region as well. In some countries of our region, there have been initiatives to create avenues for small and medium enterprises to obtain credit without excessive scrutiny or discrimination by financiers or credit providers.
However, this must not be allowed to overshadow the fact that the safest path to credibility is over a long period to fulfil the promises one makes, or to put it bluntly: to practise what is preached. 4  BIS Review 72/2002