Small and medium enterprises (SMEs) are the backbone of the economy, being the main contributors to employment in developing and developed countries. Despite their importance, access to finance is relatively limited when comparing to large firms and is a major operating constraint for SMEs. The International Finance Corporation (IFC) estimates that to satisfy the demand by formal SMEs around the world credit had to increase between 900 and 1,100 billion U.S. dollars in 2011.
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