Small and Medium Enterprises (SMEs) and cooperatives play a critical role in economic growth, job creation, and poverty reduction. However, many struggle with governance, access to finance, and financial management.

Financial inclusion strategies, combined with capacity building programmes, can transform these entities into sustainable and bankable institutions. Training in record-keeping, governance, risk management, and business planning improves their credibility with financial institutions and investors.

Cooperatives, when properly structured and governed, become powerful vehicles for community development and shared prosperity.

Empowering SMEs and cooperatives is not only an economic necessity but also a social imperative.