How can banks make loans easier for the small business sector?

Why are banks loans so hard to come by for the small business sector?  And why has the small business sector not done better financial management to make getting loans easy? The Private Sector Organization of Jamaica (PSOJ) has heard the cries of the small business sector and has pulled together a team of financiers from the credit unions, commercial banking, microcredit lending, and development banking sector.  

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