• Deposits/Investment: Weaknesses that needed to be remedied immediately
were the low interest rate level and rate of return. Secondary issues that should
be addressed when opportunity arises were the provision of clear information
and advice, and length of transaction time.
• Credit/Fund Raising: Weaknesses that needed to be remedied immediately
were the high interest rate level, long length of time it takes to approve loans,
and inconvenience in applying for loans. Secondary issue that should be
addressed when opportunity arises was increase flexibility in loan repayment
terms.
• Funds Transfer/Payment: Weakness that needed to be remedied immediately
was the high fee level. Secondary issue that should addressed when
opportunity arises was increase range of services.
• Risk Management: Weakness that needed to be remedied immediately was the
high fee level. Secondary issue that should addressed when opportunity arises
was improve capability of risk management advisory services.
• Other Financial Services: Weaknesses that needed to be remedied
immediately was the high fee level and inconvenience and slow speed of
services. Secondary issue that should addressed when opportunity arises was
capability of advisory services.
• Deposits/Investment: Businesses of every size in urban and rural area all
mentioned that the weaknesses related to deposit (low interest rate and return)
needed to be remedied immediately.
• Credit/Fund Raising:
o Every business respondents, excluding small-sized rural businesses,
wanted weaknesses related to high interest rate level and long length
of time it takes to approve loans to be remedied immediately.
o Medium-sized urban and large-sized businesses in urban and rural
area wanted weaknesses related to inconvenience in applying for loans
to be remedied immediately.
o Medium-sized rural businesses wanted weaknesses related to
flexibility in loan repayment terms to be remedied immediately.
• Funds Transfer/Payment: Businesses of every size in urban and rural area,
except small-sized rural businesses, wanted weakness related to high fee level
to be remedied immediately. Moreover, large-sized rural businesses wanted
weaknesses related to inconvenience and long length of transaction time to be
addressed immediately.
• Risk Management: Businesses of every size in urban and rural area, except
small-sized rural businesses, wanted weakness related to high fee level to be
remedied immediately. Medium-sized rural businesses felt that the high fee
level can be remedied when opportunity permits, because they wanted
weaknesses related to financial service provider’s accountability to customers
to be remedied immediately.
• Other Financial Services: Businesses of every size in urban and rural area,
except small and large-sized rural businesses, wanted weakness related to high
fee level to be remedied immediately.
o Small-sized urban businesses wanted weaknesses related to capability
of advisory services to be addressed immediately.
o Medium-sized urban businesses wanted weaknesses related to
inconvenience and long length of transaction time to be addressed
immediately.
o Medium-sized rural businesses also wanted weaknesses related to
financial service provider’s accountability to customers, reputation
and expertise to be remedied immediately.
o Large-sized rural businesses wanted weaknesses related to capability
of advisory services, not high fee levels, to be remedied immediately.