sme access to finance project...narapela memba bilong staff or team bai helpim yu bekim askim, em...

[English]

Good [morning / afternoon], My name is………… and with me are ….[introduce other members of the team]. We work for

the SME Access to Finance Project within the Department of Commerce and Industry, based in Port Moresby.

Thank you for taking time out of your busy schedule to meet with us. As briefly mentioned in the letter from the

Department of Commerce and Industry, the department is conducting a follow up survey on the SMEs who benefited from

the Risk Sharing Facility in partnership with the Bank South Pacific.

We understand your business is one that benefited from the facility by obtaining loan from BSP. We are here to determine

the overall impact (either positive or negative) the BSP loan had on your business. We would like to hear from you what

your views are of the Loan¸ how it impacted your business and what lessons you learned over the years that you may be

able to share with us.

The interview will take approximately 45 minutes – 1 hour. We will ask you some questions about your business, your

role in the business, performance of your business, no. of staff you employ and your views on the loan application process,

management and repayment.

The information you provide is totally confidential and will not be disclosed to anyone. It will be used only for this exercise.

Your name and name of your business or profile will not appear in the final report of the exercise, and only a code will be

used to connect your answers to the SME beneficiaries without identifying you or your business.

Your participation is voluntary, and you are free to refuse to answer any question we ask. If you have any questions about

this survey you may ask us or contact Mr. Willie Reia of the SME Risk Sharing Facility, Department of Commerce and

Industry in Port Moresby.

[Tok Pisin]

Good [morning, afternoon], Nem blong me …. Na wantaim mi em …. [introduce other members]. Mipela wokman blong

Dipatmen bilong Komes na Indastri. Mipela kam long Port Mosbi.

Tenkyu long you givim taim bilong yu long mipela long askim yu samplela question long bisnis bilong yu. Mipela luksave

bisnis bilong yu kisim loan moni long BSP bank na mipela laik askim sapos dispela loan moni em helpim bisnis bilong yu or

nogat.

Questions mipela bai askim em voluntary tasol na yu gat rait long tok less sapos yu pilim em orait long yu na bisinis bilong

yu. Infomesen mipela kisim long you bai stap secret na mipela bai ino inap pablis long report. If you agree to participant in this survey, please could you sign here [Sapos yu wanbel long dispel survey na laik bekim ol

askim bilong mipela, plis sign long here]

Signature: ………………………………………………………………………………….. Date: …………………………………………….

Your Name [Nem bilong Yu]: …………………………………………………………………………………………………………………………

SME ACCESS TO FINANCE PROJECT Department of Commerce and Industry

Port Moresby, NCD. Papua New Guinea

RSF BENEFICIARY IMPACT SURVEY - 2019

Seeking Consent [read to the participant]

I agree I refuse ✓

X Cycle One- [If refuse, stop

here and go to next SME]

Business Name Name of Business.

Business Owner(s) Name Business owner’s name.

Business Address Registered address of the business.

Residential Address Residential address (if different from above).

Email Address Business Email

Business Phone No. Phone No. Mobile No. Mobile No.

Business Tax File No. Optional. IPA Issued Registration No. Optional.

Province Choose province. District Choose district.

LLG Name of LLG Urbanisation Choose.

Ward No. or name (if known) Ward Name Which province is the business

owner from? Choose province.

Survey Respondent’s Name Enter name Position of Survey Respondent in

the Business Position name

Which year did you start working for the business? Year

How long (years) has the business been in operation? No. of years

Loan Type (BSP) Choose.

Amount in Kina (PGK) PNG Kina Value.

Has SME (Business) defaulted? Choose.

Did your business had any loan before accessing the RSF facility

with BSP? Ask whether the business has any previous loans before RSF facility loan through BSP.

Pre-complete question 2 and only confirm when asking question

A. Would you describe in detail the business activities BEFORE you took the Loan from BSP?

SME [BUSINESS] PROFILE Q1

LOAN INFORMATION [EXTRACT FROM BSP DATABASE] Q2

BUSINESS ACTIVITIES Q3

Please input the main business activities prior to taking loan from the RSF facility through the Bank South Pacific

B. Would you describe in detail the business activities AFTER you took the Loan from BSP?

Please input the main business activities after the loan from the RSF facility through the Bank South Pacific

SMEs with diverse operations are allowed to mention more than one operation.

[number the options from 1- 10, where 1 being has the greatest share of annual sales ]

Click here Retail trade (personal/household goods, groceries, liquor, clothes, stationery)

Click Her Commercial fishing or aquaculture

Click here Hospitality (hotels/accommodation, cafés, bars, catering, restaurants)

Click Here Manufacturing (textile, food, wood, etc.)

Click here Retail (motor vehicle retail, motor vehicle services, service stations, fuel suppliers)

Click Here Communication and IT Services

Click here Transportation (PMV, buses, taxes, boats) Click Here Electricity and gas (supply, distribution, generation)

Click here Construction (builders, plumbers, electricians, general) Click Here Finance and insurance

Click Here Wholesale trade Click Here Real estate

Click Here Professional services (lawyers, advertising, marketing) Click Here Arts, entertainment, recreation

Click Here Farming (crops, livestock, raw produce) Click Here None of the operations are listed here.

Click Here Other (specify here) Please list any other operations not listed here. If more than 1, make a list.

[Choose from the drop-down list]

Number of different locations Business operate

Choose from drop-down options

If the business operate in more than one location, please indicate the number, type of business and locations

BASED ON YOUR RESPONSE TO PREVIOUS QUESTION, WHICH OF THE FOLLOWING

BUSINESS CLASSIFICATION BEST DESCRIBE YOUR PRIMARY BUSINESS ACIVITY? Q4

HOW MANY DIFFERENT LOCATIONS DOES YOUR (THIS) BUSINESS OPERATE? Q5

No. Location No. of operations (per

location) Type of Business

No. of staff employed

Male Female

1 Location 1. No. of operations Type of Business. Male Female





6.1: [Choose from the drop-down list]

Number of owners Choose an item.

6.2: If more than one owner, you be able to tell us what proportion of the business each individual owns?

No. Owner(s) Proportion of shares in

the Business Role in the Business (current)

Is the owner male or female (Gender)

1 List as owner 1. % estimate. E.g. Manager or MD Gender





6 Other(s) [specify] Any others

6.3: Who is managing the day-to-day affairs of the business? Who is managing daily operations of the business?

6.4: What nationalities are the owner(s) of this business? Select from drop-down menu.

6.5: Which of the following categories indicate the highest level of education that the owner(s) have completed

Select from drop-down menu.

HOW MANY INDIVIDUALS OWN AND MANAGE THIS BUSINESS [SHAREHOLDERS] Q6

Please estimate your business sales for the following periods [ENSURE SUFFICIENT TIME IS GIVEN TO THE INTERVIEWEES]

7.1. Annual Sales prior to obtaining loan from BSP through the RSF [on average – in Kina] 2012: Kina est. 2013: Kina est.

7.2: Please would you also indicate for the following years after obtaining BSP Loan?

No. Year(s) Sales Figure(s) Was it a positive or negative

year for Business Did the business return profit

or loss?

1 2014 Kina figures. Positive or negative. Profit or loss.





7.3: Which business types (areas) generate biggest sales figure?

Kina figures for the biggest sales return.

7.4: Which business types (areas) generate least sales figure? Kina figures for the least sales return.

How many PAID employees are there in the business, including full-time part-time staff

[ENSURE SUFFICIENT TIME IS GIVEN TO THE INTERVIEWEES]

8.1. Employees prior to obtaining BSP Loan 2012 Male Female 2013 Male Female

8.2: Please would you also indicate paid employees after the business obtained loan from BSP? [2014-2018]

No. Year(s)

Full Time Employees Part-Time Employees Casual Staff

Male Female Male Female Male Female

1 2014

2 2015

3 2016

BUSINESS OPERATIONS - SALES Q7

BUSINESS OPERATIONS - EMPLOYMENT Q8

4 2017

5 2018

How many UNPAID employees were employed, including unpaid family or relative support


8.1. Employees prior to obtaining BSP Loan 2012 Male Female 2013 Male Female

8.2: Please would you also indicate unpaid employees after the business obtained loan from BSP? [2014-2018]

No. Year(s)

Unpaid Full Time Employees Unpaid Part-Time Employees Unpaid Casual Staff


1 2014

2 2015

3 2016

4 2017

5 2018

BUSINESS OPERATIONS - EMPLOYMENT Q9

COMPANY STRUCTURES AND PROFESSIONAL SERVICES

Thinking about the legal structure of your business, I will call out the options, which of these fits your business?

[IN A CLEAR VOICE, READ OUT THE OPTIONS. IF MULTIPLE OPTIONS, PLEASE NUMBER THEM]

Click here A publicly traded company owned by shareholders, also known as a listed company

Click Her Joint Venture

Click here A privately held company that is owned by shareholders but not listed, such as a Ltd company or limited liability company

Click Here A cooperative

Click here Partnership Click Here Don’t Know

Click here Sole Trader Click Here Refuse to answer / respond

Click Here Other (specify here) Please list any other operations not listed here. If more than 1, make a list.

Which industry groups or associations, if any, is the business a member of?

[IN A CLEAR VOICE, READ OUT THE OPTIONS. IF MULTIPLE OPTIONS, MARK THEM ALL]

Local Chamber of Commerce None

Business Council I don’t know

Industry Association Woman’s Associations

Other (specify here) Please list any other associations the business is member of

[English]

Now we will be asking about the Finances and legal structures of your business. If at any point during the questions, you

would like to invite any other people or member of your staff, such as account officers, to help answer the specific

questions, please let us know. We would like to stress again that any information you share with us is strictly confidential

and anonymous.

[Tok Pisin]

Nau bai mipela askim sampela question long moni and bihainim law bilong Papua New Guinea. Tasol sapos yu ting

narapela memba bilong staff or team bai helpim yu bekim askim, em orait yu ken askim ol kam joinim yumi. Na tu, mipela

laik toksave gen olsem information yupela givim em bai stap confidential and hait.

STRUCTURES OF YOUR BUSINESS Q10

MEMBER OF INDUSTRY GROUPS OR ASSOCIATIONS Q11

Is this organization a wholly owned subsidiary business or is it a partly owned subsidiary business or is it neither of these?

[IN A CLEAR VOICE, READ OUT THE OPTIONS. DESCRIBE WHAT EACH OPTION MEANS AND TICK THE APPROPRIATE BOX]

A wholly-owned subsidiary company A partly-owned subsidiary company

Neither Don’t Know

Refuse to Answer

Other (specify here) Please list any other if known

13.1: Have the business hired the services of a professional accountant to prepare the financial records?

[IN A CLEAR VOICE, READ OUT THE OPTIONS.ASK WHY THE BUSINESS MADE THE DECISIONS]

Yes

No

Explain Why? Reasons for the decision to either engage or not engage accountant

13.2: Does the Business have a Management Information Systems (MIS)?

[IN A CLEAR VOICE, QUESTION AND EXPLAIN WHAT MANAGEMENT INFORMATION SYSTEM (MIS) ]

Yes

No

If Yes, describe what it does? Description of the MIS currently in use by the Business

13.3: Does the Business have its annual financial statements reviewed by an external auditor?

[IN A CLEAR VOICE, QUESTION AND EXPLAIN REVIEW OF FINANCIAL STATEMENTS BY EXTERNAL AUDITOR]

Yes

OWNERSHIP OF THE BUSINESS Q12

BUSINESS SYSTEMS AND CAPACITY OF THE ORGANISATION Q13

No

Has your business borrowed from Banks or Financial institutions other than BSP since 2012?

[IN A CLEAR VOICE, READ OUT THE OPTIONS. EXPLAIN THE QUESTION CAREFULLY AND ASK IF THEY WANT REPEATED]

Yes [continue with Q15] No [Go to Q16]

Considering the business’s two most important loans granted from banks other than BSP since 2012. Please provide the following information


15.1a Financial Loan No. 1.: Name of the Bank or Financial Institution: Choose from the drop-down menu.

Other (specify) List other financial institutions

15.1b Financial Loan No. 1.: What was the purpose of the loan: Choose from the drop-down menu.

Other (specify) List other reasons here.

15.1c Financial Loan No. 1.: Characteristics of the Loan:

Amount (Kina) Amount in PG Kina.

[English]

Now we will ask you about any money the business has borrowed from other sources different than BSP. I would like you

to provide information regarding the money you owe in loans or credit from the financial and the non-financial sector.

[Tok Pisin]

Nau bai mipela askim sampela question long dinau moni bisnis kisim long arapela banks (ino BSP) na sapos Bisnis em still

igat dinau yet stap long bekim.

LOANS: FINANCIAL SECTOR

LOANS YOUR BUSINESS HAS WITH OTHER FINANICAL INSTITUTIONS (BANKS) Q14


Repayment Period (months) Repayment period in months.

Interest rate (%) Interest rate in percent (%).

Date of commitment (dd/mm/yyyy) Commitment date.

Other (specify)


Other (specify) List other financial institutions








Has your business borrowed from Non-Banks or Non-Financial Sector since 2012?


Yes [continue with Q17] No [Go to Q18]

We will ask you only about the two most important loans you have obtain from organisations or individuals other than Banks since 2012


LOANS: NON-FINANCIAL SECTOR

LOANS YOUR BUSINESS HAS WITH NON-FINANICAL SECTOR Q16


17.1a Non- Financial Loan No. 1.:Type of Organisation or Individual Choose from the drop-down menu.

Other (specify) List other non-financial institutions









Other (specify) List other non-financial institutions








18.1: Is the Business registered with the Investment Promotion Authority of PNG?


Yes [Registration No provided in the earlier questions, continue with sub-set questions below] No [Go to Q19]

18.2: How familiar are you with the steps that businesses need to take to become registered with the IPA?

Choose from the drop-down list.

BUSINESS ORGANISATION AND EXTENT OF FORMALISATION

BUSINESS REGISTRATION WITH INVESTMENT PROMOTION AUTHORITY (IPA) Q18

18.3: How long did it take for you to register your business with IPA and receive certificate? [in Months or Weeks ]

Days, weeks or months.

18.4: How likely are you to register your business with the IPA in the near future, say in the next 12 months?


19.1: Is the Business registered with the Internal Revenue Commission of PNG?


Yes [Tax Identification Number (TIN) provided in the earlier questions, continue with sub-set question below]

No [Go to Q20]

19.2: How familiar are you with the steps that businesses need to take to become registered with the IRC?


19.3: How long did it take for you to register your business with IRC and receive TIN? [in Months or Weeks ]

Days, weeks or months.

19.4: How likely are you to register your business with the IRC in the near future, say in the next 12 months?


20.1: Has the Business obtain a “Certificate of Compliance”?


Yes No Don’t Know

20.2: Please indicate all the licenses to trade or operate (if any) that your business hold [READ OUT CLEARLY AND SHOW THE OPTIONS: MARK ALL THE OPTIONS THAT APPLY]

Licensed to operate or trade from a local authority, like the NCDC or any LLG authority Registered business under the Companies Act

Registered through the Business Names Act A partnership registered through the Partnership Act

Holding a landowner license for the company A licensed trust

None Don’t Know

Holding some other license (specify) List all the other licenses in here.

BUSINESS REGISTRATION WITH INTERNAL REVENUE COMMISSION (IRC) Q19

CERTIFICATE OF COMPLIANCE Q20

What were some of the things the Business after receiving loan from BSP bank?


List all business activities concluded from BSP loan

22.1: Have the Business started/expanded using the loan obtained from the BSP Bank?


Started [Continue]

Expanded [Continue] Maintained [ Go to Q23]

22.2: If there was Business expansion or new business started using the Loan, how did it happened [READ OUT CLEARLY AND SHOW THE OPTIONS: MARK ALL THE OPTIONS THAT APPLY]

Ventured out to other centres / offices Expanded the logistics and the reach of Business

Bought assets; machinery and equipment Developed new products and services

Hired additional qualified staff Implemented new technology

[English]

Now we will be asking you about the BSP loan and how it impacted the Business. It is important for the Department to

know, as it was the first of its kind, the impact loan had on SMEs and how it contributed to SME growth in the country.

We would like to remind you at this time, again, that the information you provide is completely confidential.

[Tok Pisin]

Nau bai mipela askim sampela question long dispela dinau moni Bisnis kisim long BSP Bank na luksave moa tu long sampela

sensis yu lukim long bisnis. Na tu grow bilong bisnis too. Dispela em bikpela area Department ilaik luksave na behain em

i ken sapotim ol liklik bisnis olsem bilong yu.

BSP BANK LOAN – USE AND ITS IMPACT Q21

EXPANSION OF THE BUSINESS

BSP BANK LOAN – BUSINESS EXPANSION Q22

Increase staff recruitment Have new clients

Pay higher wages to the current employees Acquired business from other SMEs

Others (specify) List others as indicated by the Business owner or staff.

How many additional PAID did the Business hire due to Business expansion or high demand as a result of BSP Loan


23.1: Please would you also indicate paid employees after the business obtained loan from BSP? [2014-2018]

No. Year(s)

Full Time Employees Part-Time Employees Casual Staff


1 2014

2 2015

3 2016

4 2017

5 2018

BSP BANK LOAN – BUSINESS EXPANSION Q23

Please tell us the Business performance in terms of Sales, Profitability and Growth of Business


24.1: Please would you indicate sales, profit/loss and growth of the business since the business obtained BSP Loan? [2014-2018]

No. Year(s)

A. Sales B. Profit / Loss Margin C. Overall Business Growth

Increase Decrease Profit Loss Increase Non or

Decrease

1 2014 %. %. %. %. %. %.

2 2015 %. %. %. %. %. %.

3 2016 %. %. %. %. %. %.

4 2017 %. %. %. %. %. %.

5 2018 %. %. %. %. %. %.

24.2: Please are you able to tell us the reasons for:

A. Sales Increase or Decrease

Reasons for an increase or decrease in Sales between 2014 – 2018..

SALES AND PROFIT – AFTER THE BSP LOAN

BUSINESS PERFORMANCE: SALES AND PROFIT MARGINS Q24

B Profit or Loss

Reasons for an increase or decrease in Profit margin between 2014 – 2018..

C Overall Business Growth (increase / stagnant or decrease)

Reasons for an increase or decrease in Growth between 2014 – 2018..

Does this Business involved in Imports or Exports?


Yes [continue with sub-questions 25.1] No [Go to Q26]

Please tell us the Business performance in terms of Imports and Exports


25.1: Please would you indicate sales, import/export growth of the business since the business obtained BSP Loan? [2014-2018]

No. Year(s)

A. Imports B. Exports

Increase Decrease Increase Decrease

1 2014 %. %. %. %.

2 2015 %. %. %. %.

3 2016 %. %. %. %.

4 2017 %. %. %. %.

5 2018 %. %. %. %.

BUSINESS PERFORMANCE: IMPORT AND EXPORT Q25

24.2: Please are you able to tell us the reasons for:

A. Imports Increase or Decrease

Reasons for an increase or decrease in Imports between 2014 – 2018..

B Exports Increase or Decrease

Reasons for an increase or decrease in Exports between 2014 – 2018..

Why did you or the Business chose BSP Bank over other Banks or Lending Institutions when seeking Loan

[READ OUT CLEARLY AND SHOW THE OPTIONS: MARK ALL THE OPTIONS THAT APPLY]

Best option (low interest, flexible requirements, etc.) There are no other Banks or lending institutions in town

Proximity to the Business The Business was an existing BSP client

[English]

Now we will be asking you about your perception and opinions concerning the loan application and approval process of

the loan you obtained from BSP.

[Tok Pisin]

Nau bai mipela askim sampela question long dispela dinau moni Bisnis kisim long BSP Bank. Olsem process yu or bisnis

ibin go tru na tingting bilong yu long dinau moni.

ACCESSING RISK SHARING FACILITY WITH BSP BANK

DECISION TO CHOOSE BSP BANK OVER OTHER BANKS AND LENDING INSTITUTIONS Q26

The type of service and products offered by BSP met my Business needs

Support and client interaction provided by the Bank

Others (specify) List others reasons for choosing BSP over other Banks.

27.1: How did you find out about the availability of SME loans at Bank South Pacific?


BSP Advertisements Referred by a BSP Client SME

Friends and Family members Government Officials

World Bank and other agencies through RSF I am existing client with BSP so I knew

Others (specify) List others .

27.2: How complex or easy was, in your opinion, the application and loan to be approval process?

[READ OUT CLEARLY AND SHOW THE OPTIONS: MARK ONLY ONE OPTIONS THAT APPLY]

Very complex Moderately Complex

Easy Don’t Know

Any reason why?

List others reasons

27.3: How long did it take for your Business to go through the application and approval process?


Very Long time (six months to a year) Reasonable Time (4 – 6 months)

Not long Time (2 – 3 months) Short-time (up to a month)

Very short time (1 – 3 weeks) Extremely short time (within a week)

ACCESS TO SME LOANS AT BSP Q27

ADEQUACY OF THE LOAN AMOUNT

28.1: Did the Business got approval of the full amount it applied for?


Yes No - Did BSP explain why?

Explanation from BSP

28.2: What is your assessment of BSP’s interest rate on the Loan?


Too high Adequate

High Low

Moderate Don’t know the rate

Others (specify) Specify .

How difficult or was it to repay the loan?


Very difficult Difficult

Easy Very easy

Don’t Know

30.1: Have the business (you) been behind with the repayments?


LOAN AMOUT AND INTEREST RATE Q28

LOAN REPAYMENT PROCESS

DID THE BUSINESS FIND THE LOAN EASY OR HARD TO REPAY Q29

DID THE BUSINESS FIND THE LOAN EASY OR HARD TO REPAY Q30

Yes [Continue with sub-set questions below] No [Go to Q31]

30.2: About the Loan Repayment delay, how many days / weeks or months have the business been behind in repayment? [READ OUT CLEARLY AND SHOW THE OPTIONS]

Provide details of number of days, or weeks or months.

30.3: Do you know the consequences of defaulting on the Business Loan? [READ OUT CLEARLY AND SHOW THE OPTIONS: MARK ONLY ONE OPTIONS THAT APPLY]

Yes No

If you do, please could you describe what they are:

Provide details of the penalties of defaulting to loans.

How helpful or resourceful were the BSP staff when you first applied for a loan?


Very Helpful Helpful

Somewhat helpful Not helpful at all

Specific comments

Comments on the relationship and level of service such as staff interaction

RELATIONSHIP WITH BSP

LEVEL OF SERVICE AND STAFF RELATIONSHIPS Q31

ELIGIBILITY CRITERIA FOR A BUSINESS TO OBTAIN LOAN Q32

32.1: What do you think about the eligibility criteria used by BSP to obtain a Loan?


Very Strict Strict

Somewhat Strict Not Strict at all

32.2: Did you receive regular communication with BSP on the repayment schedule? [READ OUT CLEARLY AND SHOW THE OPTIONS: MARK ONLY ONE OPTIONS THAT APPLY]

Yes, they have. No, they haven’t [continue with question below]

32.3: How did the BSP staff communicate with you or the business? [READ OUT CLEARLY AND SHOW THE OPTIONS: MARK ONLY ONE OPTIONS THAT APPLY]

Email Telephone

Visiting local BSP Branch Visit to the Business site by BSP staff

Other (specify below)

Other methods of communication from BSP

If the business need another loan, would you apply with BSP bank?


Yes No

Please give your reasons: List the reasons for wanting to apply for another or interested but not with the same bank

ANOTHER LOAN WITH BSP BANK Q33

TRAINING NEEDS AND EVALUATION

34.1: Have you or your colleagues participated in SME training before?



34.2: Would you tell us the last three trainings you or your colleagues participated and how sponsored trainings? [IN A CLEAR VOICE, READ OUT THE OPTIONS. EXPLAIN THE QUESTION CAREFULLY AND ASK IF THEY WANT REPEATED]

Training Course 1 [select from the list ] Choose from the list organisations that sponsored the training

Training Course 2 [Select from the List] Choose from the list organisations that sponsored the training

Training Course 3 [Select from the List] Choose from the list organisations that sponsored the training

34.3: Do you agree that you have learned new skills and knowledge to better manage by attending those trainings?

Choose whether you agree or disagree

34.4: Do you agree that since the training, you have improved your business skills, and as a result you observe improvement in Business?


34.5: Do you feel you need refresher or extra training? [IN A CLEAR VOICE, READ OUT THE OPTIONS. EXPLAIN THE QUESTION CAREFULLY AND ASK IF THEY WANT REPEATED]


[English]

Thank you so much and we do apologise for taking your time. One finally sections, we will ask you about your training

experience and needs related to running a business. We ask for this information because one of the components of the

“SME Access to Finance Project” consists in Capacity Building for SMEs, so it is important to obtain a complete picture of

the experience and needs of the businesses in order to take it into account when designing training courses for this sector.

[Tok Pisin]

Bikpela tenkyu tumas na sorry olsem mipela stopim yu long mekim Business wok bilong yu na spendim taim wantaim

miplea. Mipela igat last question set long askim na bai pinis. Miplea laik askim yu long sait bilong training na long managing

bisnis bilong yupela. Department igat laik long yusim displela information long plenim training behain taim.

PARTICIPATION IN SME TRAININGS Q34

34.6: Which of these business knowledge areas (marking, sales, financing and accounting) would you like to learn more about?

Business & Financial planning Basic Book Keeping Logistics and supply chain management

Cash Flow management Financial Products Legal and Taxes

Sales and Marketing IT / Computer systems Safety / Security

Budgeting Managing employees Inventory Control

Other (specify) List other trainings needed

35.1: Have you participated in the Project Sponsored (through DCI) trainings before?


Yes, I have No, I haven’t

35.2: Would you like to be contacted to participate in project sponsored training event? [IN A CLEAR VOICE, MENTION THAT THE TRAININGS FULL WEEK AND FREE OF CHARGE]

Yes No

35.3: What would be the main obstacles for not attending training courses? [IN A CLEAR VOICE, READ OUT THE OPTIONS. EXPLAIN THE QUESTION CAREFULLY AND ASK IF THEY WANT REPEATED]

List main obstacles mentioned

35.4: If you have to travel at you own expense to the training events, which of the following locations would you choose?


36.1: Would you like to be contacted to inform you about government support programmes to the SME sector?


Yes No

PARTICIPATION IN FUTURE SME TRAININGS Q35

GENERAL CONSIDERATION

FINAL GENERAL QUESTIONS Q36

36.2: Would indicate some recommendations for improvement concerning your relationship with BSP? [IN A CLEAR VOICE]

Some recommendations for BSP

36.3: Would indicate some recommendations for improvement for access to finance to the SME sector in PNG

List of recommendations

36.4: Would indicate some recommendations for improvement to relationship between Government and SME sector (national and provincial)

List of recommendations

36.5: Do you have any questions for us?

Comments or questions from SME

CLOSE INTERVIEW

WORD OF THANK YOU EN1

[English]

Thank you so much and on behalf of the Department of Commerce and Industry, the SME ACCESS to Finance Project and

its partners (World Bank Group, Bank South Pacific Limited), we would like to acknowledge your time and commitment

and appreciate your response to the questions. The information you provided today will help shape how SME Sector

enhanced and supported to grow in the country.

It was our privilege to talk to you about your Business. Thank you.

[Tok Pisin]

Bikpela tenkyu tumas na long kisim mous bilong Department bilong Komes na Indastri. Na SME Access to Finance Project

wantaim ol patna bilong en (olsem World Bank and Bank South Pacific), mipela go wantaim bikpela belgut and amamas

long olgeta taim yu spendim wantaim mipela. Nau dispela information mipela kisim long yu bai helpim SME sector bilong

Papua New Guinea Grow more yet.

Thank you.

sme access to finance project...narapela memba bilong staff or team bai helpim yu bekim askim, em...

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