बैंकमा प्रशस्त पैसा भए पनि साना व्यवसायीले किन पाउँदैनन् ऋण?

In English

Why do small businesses fail to get loans despite ample liquidity in banks?

Despite a large portion of deposits in Nepal's banks and financial institutions, small businesses and farmers are unable to obtain loans easily. According to the Nepal Rastra Bank, there was a deposit of Rs 8.2 trillion in banks by Ashad 2083, out of which the capacity to disburse loans of about Rs 1.56 trillion remained unutilized. Even though interest rates have decreased, small businesses are forced to take loans at high interest rates from cooperatives or moneylenders due to a lack of collateral, complex procedures, and the absence of income records. The fact that most small businesses are unregistered and do not maintain accounts makes it difficult for banks to provide loans. Additionally, the concentration of credit access in Bagmati Province and the limitations of agricultural insurance have added to the problem. Since it is costly for banks to provide flexible payment schedules and small-sized loans required by small businesses, a 'missing middle' problem of financial access has emerged, causing small enterprises to be unable to benefit from the formal financial system.

Machine translation — the original above is the story as filed.