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"h) To promote the productivity and viability of MSMEs by
way of directing and/or assisting relevant government agencies
and institutions at the national, regional and provincial levels
towards the:
"1) Provision of business training courses, technical
training for technicians and skilled laborers and
continuing skills upgrading programs;
"2) Provision of labor-management guidance, assistance
and improvement of the working conditions of employees
in MSMEs;
"3) Provision of guidance and assistance regarding
product quality/product development and product
diversification;
"4) Provision of guidance and assistance for the adoption
of improved production techniques and
commercialization of appropriate technologies for the
product development and for increased utilization of
indigenous raw materials;
"5) Provision of assistance in marketing and distribution
of products of MSMEs through local supply-demand
information, industry and provincial profiles, overseas
marketing promotion, domestic market linkaging and the
establishment of common service facilities such as
common and/or cooperative bonded warehouse, grains
storage, agro-processing and drying facilities, ice plants,
refrigerated storage, cooperative trucking facilities, etc;
"6) Intensification of assistance and guidance to enable
greater access to credit through a simplified multi-agency
financing program; to encourage development of other
modes of financing such as leasing and venture capital
activities; to provide effective credit guarantee systems,
and encourage the formation of credit guarantee
associations, including setting up of credit records and
information systems and to decentralize loan approval
mechanisms;
"7) Provision of concessional interest rates, lower
financing fees, which may include incentives for prompt
credit payments, arrangements tying amortizations to
business cash flows, effective substitution of government