What are the most problematic factors for businesses?

From Zambian Economist Thu Nov 29 2012, 20:36:00

From the recent Global Competitiveness Report 2012-2013. No surprises there because the challenges of finance are well known. In rural areas the issues are largely down to lack of tenure security which increases the cost (or absence) of borrowing. In urban areas general issues around credit defaults and lack of an effective credit reference systems continue to keep rates structurally high. Many solutions have been suggested ranging from subsidised credit to government banks, with little success.

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