Editor,

Reference is made to Albert Akimanzi’s article, "SMEs need more than access to finance” (The New Times, September 29).

I agree that increased usage will improve the already remarkable 70 per cent inclusion rate. However, I believe the solution is within bankers’ grasp through available statistics and re-applying best-practices.

How did Rwanda achieve that leap, from 52 per cent in 2008 to 72 per cent in 2012?

Whatever caused that 30 per cent to walk through the door and start using financial services should be exponentially regurgitated to close that gap to a higher percentage and ultimately the much-needed access to the ubiquitous SMEs. Otherwise, the article is on point and that’s my two cents.

Martin Musinguzi