The document assesses supply and demand constraints that block a more sustained access to finance for Georgian SMEs, both in agricultural and non-agricultural sectors. Assessment of supply side constraints includes focuses on both commercial banks and micro finance institutions. The document also lays out a comprehensive strategy to mitigate the constraints.
This report consists of an assessment of commercial bank capabilities to serve the SME segment and of the capabilities of micro finance institutions to serve micro enterprises, especially those operating in the agricultural sector. It also lays out a comprehensive access to finance strategy that will inform next activities in the EPI Project.