The SESNA Program Agreement features two main Program components: the non-financial component and the financial component. Under the non-financial component, SESNA has been providing business skills training, information, support services, specific technical advice to selected small businesses and upgrade the quality of small business support organisations and skills development resource organisations. Under the financial component, SESNA aims at facilitating a better access of small businesses to credit through a revolving loan fund. A second goal is to institutionalize micro- and small enterprise lending with the commercial banks.

Activities of De Sola & Kluyver – Financial Solutions included: set-up of a Pilot Phase for the fund to bridge the period until a long term solution is designed and implemented, determining terms for the fund and distribution channels of the funds; negotiating contracts with the distribution channels of the funds; designing small and medium business lending programs; discuss and agree on the optimal fund set up with the government and the European Union; set up loan committees for the Pilot Phase of the fund; function as Loan Advisors and Coordinator of the Loan Committees during the Pilot phase, thereby visiting all the entrepreneurs and analyzing their Business Plans to make a credit proposal for the Loan Committees.

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