*4.2.10 Financial problem*

Many SMEs highlight lack of financial resources as the hindrance from success or high profit levels. Formal financial institutions prefer large enterprises to SMEs sighting high financial costs. Large enterprises have lower risk of default, clear financial statements. SMEs have limitation of finance, low research and development investment and low levels of financial inclusion [11]. Those SMEs with capital or access to financial resources have more chances of survival and better profit levels.
