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Enhancing SME Finance in Bangladesh Through an Integrated Online Credit Bureau Platform
Abstract
The alternative functioning measures against the worldwide financial constraints on SME growth have yet to either be initiated or are being exercised in limited form in the Bangladesh context. The Credit Bureau, one of such measures, is being applied here in a limited form where further technological advancement and sophistication are needed. Given the urge, the study employed a “phenomenological method of qualitative research” with the objective of developing a new pattern or phenomenon of a ‘common online platform for credit bureaus' from the essence of earlier experiences both home and abroad in the credit reporting industry. In data collection, it used document analysis and in-depth interviews to supplement the findings. Compiling the existing and new concepts resulting from the research findings, the paper concluded with a ‘model proposition'. Thus, the study contributes to the further sophistication of the conventional credit information-sharing mechanism of the country. The research might help develop feasibility studies in the future to assist policy executors in this regard.
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