Significant improvements are still required in the provision of education, health, justice services and transport infrastructure. There is a great need to raise the efficiency of service delivery and implementation capacity of Government institutions throughout the country.
Thank you, again, to the conference organizers for inviting me to this important event and for the opportunity to speak to you today. References Berger, Allen N., and Gregory F. Udell (1995). “Relationship Lending and Lines of Credit in Small Firm Finance,” Journal of Business, vol. 68 (July), pp. 351–81.