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October 2, 2025International Journal of Research in Entrepreneurship and Business StudiesOpen Access

Between Risk and Growth: Challenges in SME Financing for Omani Lenders

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Authors

SBShooq Othman Abdul Rahim Abdullah Al BalushiJKJayashree Krishnamurthy

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Overview

Qualitative research highlights barriers to lending to SMEs in Oman, suggesting tailored approaches could enhance access to finance.

Key Points

  • Omani lenders face significant challenges in financing SMEs, including strict documentation and insufficient collateral.
  • The study reveals that SMEs primarily seek working capital and term loans, yet banks consider them high-risk clients.
  • Addressing financing constraints will empower SMEs to sustain growth and contribute to the national economy.
  • Integrating alternative data and risk-sharing mechanisms could enhance SME access to credit and support economic diversification.

Cite This Study

Balushi et al. (2025) studied this question.

synapsesocial.com/papers/68de5d9c83cbc991d0a2062fhttps://doi.org/10.47259/ijrebs.2025.632
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