THE 2022 Micro, Small and Medium Enterprise (MSME) Financial Survey Report has revealed that 1.9 million people were employed in the MSME sector in 2022. And Bank of Zambia Governor Dr Denny Kalyalya says high cost of credit, lack of collateral and proper documentation, and low income are affecting the operations of MSMEs. Meanwhile, Ministry of Small and Medium Enterprises Permanent Secretary Subeta Mutelo says public and private sectors need to provide more accessible financial services and products tailored to the needs of MSMEs. The 2022 MSME financial survey report whose sampling frame was based on the 2010 population, indicated that 27.3 percent of adults who were 15 years or older owned at least one MSME out of 5.3 million...