Abstract
The study is deliberated to know the effects and benefits of lending relationships on Small and Medium Enterprises (SMEs) and Economic Development in Balochistan. The target population in this context is the Small and Medium Enterprises (SMEs) belonging to Balochistan mainly Quetta city. Most of the respondents are the owners or managers of SMEs working in Balochistan. Factor and Regression Analysis are applied to data to search out the major benefits and their major effects on Small and Medium Enterprises (SMEs) and their role in economic development. The analysis finds out that Small and Medium Enterprises (SMEs) are in favor of external financing, but the high-interest rates and collateral-based lending are big obstacles in their way. The literature review and analysis authenticate that Small and Medium Enterprises (SMEs) are playing a very important role in the economic development of Pakistan but there is a need for comprehensive mass awareness in Balochistan to acquaint the people to adopt the latest rules and techniques being practiced all over the world. This study is somehow limited due to peoples unawareness of the research topic, security issues, traditions, and customs of Balochistan.
Saba Khalid, Nadeem Uz Zaman. (2021) Why a Lending Relationship for Small and Medium Enterprises is indispensable for Economic Development of Baluchistan, Jinnah Business Review, Volume 9, Issue 1.
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