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{
    "id": 1192595,
    "url": "https://info.mzalendo.com/api/v0.1/hansard/entries/1192595/?format=api",
    "text_counter": 329,
    "type": "speech",
    "speaker_name": "Kitui Rural, WDM",
    "speaker_title": "Hon. David Mwalika",
    "speaker": null,
    "content": "There are many Sessional Papers which have been done on SMEs. You also find proposals of SMEs in other development blueprints However, these policies are not implemented well. The SMEs still continue having challenges like limited access to credit due to lack of collateral. Because of the risk involved in lending to them, they are also given lending credit ceilings. There is an amount of money which they cannot be given because of the risk. The interest rates which are given by the banks are very high because of the risk which is involved. Most of them have moved to digital money lenders where the interest rates are 15, 20 or 30 per cent per month. You cannot do business with such high interest rates."
}