It can be better lending instead of lending to all the entrepreneurs in developing countries, if a protected marketing mechanism can be developed for them. Could not get the point? Ok, let me elaborate. If the lenders have doubt about the repayment of their credit, surely they can do so to decide for not lending the money. After all, they should use their money as they want it to use. Let the industry associations or government or regulatory authorities fix a quota system that will be reserved for developing countries entrepreneurs. If in a market the total average transaction amounts in 1000$, then let some 250$ be exchanged from the developing countries entrepreneurs! This is better lending because it will ensure certain level of access to money generation for entrepreneurs and a continuous transaction in the accounting book, will let the financer to finance the enterprise owner.  

If the protective market mechanism cannot work, then let us decide for promotional rating systems that will rate the competency of an enterprise, i.e.; the entrepreneur’s skills. Then the rating system can be used as a tool to induce credit-lending facility. Just like the rating we are receiving here, why do not we apply it to the entrepreneur’s skills and enterprise? There can be preconditions developed for credit lending that certain rating must be achieved before getting the credit. In addition, the rating authority will be in combination of the social interest group or beneficiaries.

If even the second option cannot be adopted then the third option need to be cooperative approach. Well, let me explain. Cooperative approach of the enterprising skills of the entrepreneurs let the beneficiaries be partner for mutual benefit and collective efforts! This will result in their greater business success and may they will not have to take any credit!

If these three mechanisms can be applied, then some dramatic changes will be notice! Truly speaking tries it. Who loves to take 100$ loan and repay 125$. Everybody knows money is in the market; only thing is how you make it yours. It is completely a bad idea to think that an entrepreneur would seek credit for his enterprise! An entrepreneur does not want to be satisfied with some 125$ for his 100$ deposits annually. He wants to make his 100$ to 150$ or more dollars annually. They think this way. Trust me!

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