ACCESS TO FINANCE FROM COMMERCIAL BANKS AND OTHER FINANCIAL INSTITUTIONS Question Title * 1. Number of employees: 1-5 6-20 21-50 More than 50 Full Time Full Time 1-5 Full Time 6-20 Full Time 21-50 Full Time More than 50 Part Time Part Time 1-5 Part Time 6-20 Part Time 21-50 Part Time More than 50 OK Question Title * 2. What is the main activity of your business in the areas of Fisheries and Agriculture?In answering this question please note that:1Coconut & Coconut Values Added Products refers to Copra, coconut juice, coconut virgin oil, spa products2Vegetables refers to lettuce, tomatoes, cucumber, cabbage, french beans, eggplants, okra, long beans, green leafy vegetables, etc3Fruits refers to pawpaw, pineapple, watermelon, avocados, bananas, etc 4Root crop refers to Taro, Cassava, Yam & Sweet Potatoes Agriculture Fisheries 1. Coconut and coconut value added products 1. Coconut and coconut value added products Agriculture 1. Coconut and coconut value added products Fisheries 2. Vegetables 2. Vegetables Agriculture 2. Vegetables Fisheries 3. Fruits 3. Fruits Agriculture 3. Fruits Fisheries 4. Root crops 4. Root crops Agriculture 4. Root crops Fisheries Fresh fish Fresh fish Agriculture Fresh fish Fisheries Frozen fish Frozen fish Agriculture Frozen fish Fisheries Farmed fish Farmed fish Agriculture Farmed fish Fisheries Sea products - sea grapes (nama), sea weed, sea cucumber Sea products - sea grapes (nama), sea weed, sea cucumber Agriculture Sea products - sea grapes (nama), sea weed, sea cucumber Fisheries Fresh water mussels Fresh water mussels Agriculture Fresh water mussels Fisheries Mussels Mussels Agriculture Mussels Fisheries Other (please specify) OK Question Title * 3. Company Type: Sole Trader Limited liability Company Community Commercial Company Network Organisation OK Question Title * 4. Business Type: Market Vendor Local Supplier Exporter Middleman OK Question Title * 5. Problems encountered in operating business Extremely Difficult Very Difficult Difficult Lack of finance Lack of finance Extremely Difficult Lack of finance Very Difficult Lack of finance Difficult Difficult to obtain loan Difficult to obtain loan Extremely Difficult Difficult to obtain loan Very Difficult Difficult to obtain loan Difficult Lack of supply of raw materials Lack of supply of raw materials Extremely Difficult Lack of supply of raw materials Very Difficult Lack of supply of raw materials Difficult Severe weather conditions Severe weather conditions Extremely Difficult Severe weather conditions Very Difficult Severe weather conditions Difficult Licence fees Licence fees Extremely Difficult Licence fees Very Difficult Licence fees Difficult Transportation costs Transportation costs Extremely Difficult Transportation costs Very Difficult Transportation costs Difficult Lack of cold storage facilities Lack of cold storage facilities Extremely Difficult Lack of cold storage facilities Very Difficult Lack of cold storage facilities Difficult OK Question Title * 6. Do you encounter these problems in obtaining loans or grants? (Please tick Yes or No beside each statement) YES NO Did not receive help from bank officers Did not receive help from bank officers YES Did not receive help from bank officers NO Difficulty to complete the application forms Difficulty to complete the application forms YES Difficulty to complete the application forms NO Too many forms to complete Too many forms to complete YES Too many forms to complete NO Don't have all the information to fulfill bank requirements Don't have all the information to fulfill bank requirements YES Don't have all the information to fulfill bank requirements NO No security or collateral to offer for the loan No security or collateral to offer for the loan YES No security or collateral to offer for the loan NO Lack of information on grants/loan facilities Lack of information on grants/loan facilities YES Lack of information on grants/loan facilities NO No or lack of assistance provided to help me complete the forms No or lack of assistance provided to help me complete the forms YES No or lack of assistance provided to help me complete the forms NO High application fees High application fees YES High application fees NO High interest rates High interest rates YES High interest rates NO OK Question Title * 7. Do you encounter these problems in obtaining technical assistance and other forms of assistances? (Please tick Yes or No beside each statement as applicable to you) YES NO Don't have the information on which organisation are providing these assistance both nationally and regionally Don't have the information on which organisation are providing these assistance both nationally and regionally YES Don't have the information on which organisation are providing these assistance both nationally and regionally NO Did not receive help from officers Did not receive help from officers YES Did not receive help from officers NO Difficulty to complete the application forms Difficulty to complete the application forms YES Difficulty to complete the application forms NO Too many forms to complete Too many forms to complete YES Too many forms to complete NO Don't have all the information to fulfill all the requirements Don't have all the information to fulfill all the requirements YES Don't have all the information to fulfill all the requirements NO No or lack of assistance provided to help me complete the forms No or lack of assistance provided to help me complete the forms YES No or lack of assistance provided to help me complete the forms NO OK Question Title * 8. Are there other problems encountered by your business? Please tick as applicable. Competition Finding new markets Market Entry - Labelling, Packaging, Bio Security, Market Promotion Availability of skilled employees OK Question Title * 9. Have you applied and/or helped with filling application for a loan or any financial assistance in the last 12 months? YES NO OK DONE