Hi all,

I am a mature student with extensive business experience.

I am completeing a dissertation on the affect that financing has had on the value chain of SME's in South Africa. I believe that the onerous requirements and restrictive practices of many financial intstitutions has had a large impact on the high failure rate of the SME in South Africa which has been ignored up until now with the focuss being on access rather than value adding.

If you have any thoughts or experiences in this area I would really like to hear them.

Rocky