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The Paycheck Protection Program (PPP) and the PPP Liquidity Facility were launched early in the pandemic to help many small businesses survive. These programs encouraged banks to lend more extensively to small businesses over the first half of 2020. Since then, however, banks have reduced their exposure to these loans, leaving no significant changes in small business lending associated with participation in these programs over the three-year period from 2020 through 2022. This raises some doubt that emergency lending programs encourage long-term relationships that outlast the programs. [ABSTRACT FROM AUTHOR]

In her debut exposé, journalist Mara Kardas-Nelson explores the rise and fall of microfinance, a financing approach that aimed to uplift small-scale business ventures in the developing world. While microfinance was once celebrated and even earned its progenitor, Muhammad Yunus, the Nobel Peace Prize, Kardas-Nelson reveals the devastating consequences it has had globally. Through extensive research and interviews with women in Sierra Leone and Bangladesh, she uncovers the predatory lending problems and the lack of positive impact on the borrowers. This eye-opening account sheds light on the misguided policies that led to this disaster. [Extracted from the article]

The article examines the Islamic microfinance development in Muslim countries, with focus on Pakistan operations. It defines microfinance as small loans available to poor people. It notes the poverty rate that is quite high in all Muslim countries except few nations in Southeast Asia and the Middle East. It mentions that conventional micro financial service facilities do not meet majority of Muslim population as microfinance institutions charge interest on loans to small and medium enterprises.

The article offers information on the business development of packaging company Alpha Packaging Inc. The company has grown since it was founded as Alpha Con Plastics in 1969 and its acquisition by entrepreneur Dave Spence with the help of a loan from the U.S. Small Business Administration (SBA) in 1985. Spence expanded the range of the company from extrusion blow molding to include stretch-blow and injection-blow molding, and built additional plants in the Netherlands and Florida.

The article focuses on the conditions of small banks in the U.S. in 2011. The author looks into the relationship between growth in small business loans and the lender's total financial condition. She mentions that total business loans under one million dollars by small banks have declined in 2011, particularly among financially weak banks.She states that supply conditions and demand for credit have affected lending to small businesses in the country.

The article investigates the lending trends in small business in the U.S. including the continuing shrinkage of bank loans. It offers a comparison between the lending trends in large banks with at least 10 billion dollars in assets and small banks with less than one billion in assets. It reveals that small business lending in small banks not backed by commercial real estate are slightly healthier than small business lending that is secured by commercial property.

The article discusses "Construction activity continues to dig of one of the deepest and shortest recessions in U.S. history," saying Richard Branch, chief economist at Dodge Data & Analytics. Topics include the views of David Burstein, senior principal, on resources; and the largest projects that broke ground include the $1-billion Facebook data center.

The article informs that the evolving rule changes for the Paycheck Projection Program have triggered confusion and doubt among business owners the program is intended to benefit. It mentions that the program's loans became available in early April, its shifting federal guidelines have given some contractors second thoughts about tapping the small business rescue program.

Examines the impact of securitization on economic growth. Explanation of the process; Example of small business loan securitization; Rapid increase in the securitization of non-mortgage loans. INSETS: A simplified example of small business loan securitization.;Why asset-backed securitization has grown.;How some small business loans have been securitized.;Pooling commercial loans made by non-profits and local..

The article discusses construction industry firms received financial assistance for business operations by obtaining U.S. government-backed loans for the Small Business Administration's Paycheck Protection Program.

The article presents the economic letter from the Federal Reserve Bank of San Francisco (FRBSF) in California. The letter explores the impact of credit crunch on small business in the city as well as the type of small business financing which it can be divided into nine lending technologies. According to the author, small business financing is affected during the crisis because some lending channels may contract during credit crunch.

The article provides information on the comparison between the small business loans which are made by banks with and without any branches in a respective local area in the U.S. Out-of-market small business loans accordingly entail a certain demarcation of the geographic borders of the small business lending markets. Also, the inclusion of such loans is believed to potentially reduce the measured concentration in the lending market.

The article discusses the link between the level of competition in small business lending and the local geographic banking markets in the U.S. It notes that the theory of industrial organization called "Structure, Conduct, Performance"(SCP) emphasizes the occurrence of higher small business loans and lower interest rates with the presence of greater competition. It further states that market concentration is being used by empirical studies when measuring the amount of competition in the market.

The article reports that the U.S. Congress takes up legislation to ease restrictions in the Paycheck Protection Program. Topics discussed include the House approved a bill to loosen key PPP provisions, views of Peter Comstock, director at Associated Builders and Contractors, on flexibility for businesses and the House bill's other provisions permit companies receiving PPP loans.

The article focuses on fighting for short and long-term legislative priorities for newspapers. Topics inlcude the HEROES Act has described as being dead on arrival in the Senate, there almost certainly will be a new stimulus package, expanding PPP loan opportunities to more newspapers are likely to be part of the package, and the local newspapers continue to field reporters and bring news and advice from public health authorities in print and online at considerable cost.

The article focuses on how media organizations call on government to aid the news industry. Topics inlcude the letter specifically asks for increased federal appropriations to the Corporation for Public Broadcasting to support public and community media, the national media organizations ask for the ability for local media to seek relief under the Paycheck Protection Program, and the small business loan that helps businesses keep their workforce has employed during the COVID-19 crisis.

When Glue-IQ, a 30-person Miami agency, sought to apply for the Paycheck Protection Program (PPP) loan when it was available April 3, CEO-Founder Gaston Legorburu initially went to a major bank that is also a client. Sweat, like countless other small business owners, went through his primary bank, Bank of America, and did not receive the PPP loan. [Extracted from the article]

The article focuses on small businesses many in construction and engineering, have quickly lined up to apply for a second round of Paycheck Protection Program (PPP) loans after Congress has approved to restart the popular program. Topics include the PPP aims to assist financially has strapped small businesses with forgivable loans to help them cope with economic blows struck by the coronavirus pandemic, and the program has created in the Coronavirus Aid, and Economic Security Act.

The article focuses on the construction employees had a slightly more positive outlook for the sector in the third in a series of industry surveys on COVID-19 impacts, and conducting April 16-20, 2020 has showed people for the economy, their employers' ability to achieve company goals.

The article explores the benefits of the credit loan programs of banks and financial institutions in providing funds for the agricultural productivity of farms in Pakistan. Topics discussed include the role of agriculture in the economic development of the country, the trends to the changing consumption patterns of consumers and the concept of transitional agriculture. Other topics mentioned include the benefits of rural credit and the performance of farms in the country.

The article explores the efforts of the State Bank of Pakistan to provide collateral-free lending program to small farmers in Pakistan. The State Bank intends to help the small farmers and the agriculture sector to provide food self-sufficiency and higher value-added exports for agricultural productivity. The bank also presents details to the lending program including the minimum loan size for small farmers and bank loan requirements.

The article discusses the role of relationship managers in providing personal attention for small-to-medium enterprises. It highlights the need for relationship managers to be more useful to small business owners than just deferring loan repayments or reversing sales transactions. According to Dhruba Gupta, managing director of DBM Consultants, relationship managers can refer a specialist but they take final responsibility.

The article explores the effects of the boom in the Australian housing market especially on entrepreneurs hoping to use their properties to raise capital. Housing equity has always been a an important source of funding for businesses but it has always been overlooked. Gary Hancock of the University of Adelaide said that banks does not permit small business to secure loans, the collateral house is actually the reason why they lend money to such businesses. The author says that this can be resolved if the government release more land and ease restrictions.

The article focuses on the reliance of small businesses to credit offered by banks. It says that in time of economic downturn, small businesses rely less on credit. According to Gavan Ord of CPA Australia, businesses should approach debt financing carefully and should not be seen as negative. Meanwhile, a survey show that small businesses rely to bank credits involuntarily due to various reasons such as business survival. Other issues on credit financing in small businesses are also presented.

The article reports on the intentions of financial institutions to increase small business lending in professional services. It says that the action to increase the financial institutions' small business lending is due to less exposure to the recession of the professional services including small accounting and legal practices. Moreover, banks claim that much bigger margins on their small business loans are being paid in professional services compared with home loans.

The author discusses the failure of the U.S. Congress to reach a decision about the Export-Import Bank (EIB) that forced the institution to cease operations after the expiration of its charter on June 30, 2015. Topics covered include the opportunity of the EIB to make changes in its financing deals, the importance of rechartering for the support of global trade transactions and the value of access to loans for small business.

The article looks at the increase in loan interest rates offered by banks to small businesses in Australia due to the credit crisis. According to the author, the best rates on loans are offered by larger banks but they demand more security and have more risk assessment policies. The loan rates offered by the Bank of Queensland, Commonwealth Bank and National Australia Bank and credit card rates are also discussed.

The article discusses the extension of loan services to small business owners by several banks in Australia. Banking industry experts agree that the funding gap is contracting. The Institute for Factors and Discounters, the industry body that monitors the sector, revealed that cashflow finance has been growing exponentially. Small businesses encourage that banks should work together with small business owners to address financial issues.

The article reports that Pakistani Prime Minister (PM) Muhammad Nawaz Sharif has launch the Credit Guarantee scheme, a financial funding program for small farmers in Pakistan at a meeting in Pakistan in 2015.

The article offers food industry news briefs in Pakistan as of May 2015. Topics discussed include the temporary approval given by the Directorate of Plant Protection (DPP) for the export of mango products from Pakistan to the European Union (EU) markets, the interprovincial efforts of Pakistan's National Health Services on food fortification against malnutrition and the launching of collateral-free lending programs by the State Bank of Pakistan for small farmers.

An interview with Euryn Jones, regional agricultural manager at banking and financial services company HSBC, is presented. He offers advice for young farmers on how to secure a bank loan. He dispels the common myth that banks do not provide loans without collateral. He reveals that banks are more interested in whether the borrower can afford the repayments and interest charges.

The article reports that Australia's Minister for Small Business Bruce Billson promised that small-business loans will soon enjoy lower interest rates. He said that small businesses have been hampered by banks' reluctance to lend for business purposes and criticized the banking sector for its opaque business lending processes. Australian Bank Saint George's chief executive George Frazis meantime announced that 2 billion dollars would be allocated to small businesses.

The article reports that big banks are blaming global banking rules for favouring home loans over small business loans. The current ratio of home lending is 1 Australian dollar to 60 centavos of business lending compared with 1 Australian dollar loaned to home buyers and the same amount to a business owner in 2000. Joseph Healy, business banking group executive at the National Australia Bank, claims that the Basel Committee on Banking Supervision is responsible for the anti-business bias.

The article states that small businesses should not be bothered by access to capital from financial institutions. The author states that due to global financial crisis, the four big Australian banks are choosier about whom to lend and greedier in the fees and rates they charge. Managing director Dhruba Gupta stresses that not all small and medium businesses need loans, and states that there are a number of small and medium enterprises that are doing well though they do not have loans.

The article discusses the rise of bank funding costs and its impact towards small businesses. It states that banks take advantage of the global financial crisis and the increasing funding costs to get as much as possible to small businesses. Bank watcher Brian Johnson says that the profit margin for small business loan could reach as high as 40%. Moreover, it mentions the gap between the interest rate that small businesses pay with that of households on loans backed by residential property.

The article reports on the survey regarding the difficulty of small and medium enterprises (SMEs) in Australia to secure new loans due to global financial crisis. The survey conducted by DBM Consultants shows that 47% of the 740 SMEs noted the difficulty compared in 2008. DBM managing director Dhruba Gupta states that the experience of SMEs varies across the industries, wherein 71% of SMEs in the wholesale trade find it hard to borrow.

The article reports that banking industry figures revealed that the benefits of financial deregulation in Australia have largely eluded small business borrowers. The Australian Bankers' Association figures show that the margin between small business overdraft rates and the official cash rate compressed to 4.10 percentage points in August 2007.

The article reports on the increasing scrutiny and regulation of loans and credit offered to small and medium business enterprises in Australia since the stockmarket volatility in January 2008. Pizza Capers franchisee Darren Grimwade, who is planning to open several stores in Queensland cited how harder it is to borrow for small businesses. Other small businesses which experienced credit difficulties include Manning Cartell and Allomak.

The author discusses the need to provide the 8(a) business development program of the U.S. Small Business Administration to small businesses owned by service-disabled veterans. The mission of the business development program is to ease access to the economic mainstream for individuals subjected to racial or ethnic prejudice and diminished capital and credit opportunities. Qualifications for the program are mentioned .

Reports on the need for Australian banks to change their approach to the small business market. Importance of changing the perception of small businesses that banking products are not tailored to their industry needs.

The U.S. Small Business Administration (SBA) has proposed revamping its standard for determining when a business is "small." The shift would affect eligibility for SBA loans and contracting programs. On March 19, SBA proposed to switch from its current benchmark based on a firm's annual receipts, to one based on a company's number of employees. On March 19, SBA proposed to switch from its current benchmark based on a firm's annual receipts, to one based on a company's number of employees.