WHILE the impact of the pandemic continues to hurt business worldwide, there might be light at the end of a tunnel for Malaysian small-medium enterprise.Various initiatives introduced by the government have helped many businesses to stay afloat. The initiatives include wage-subsidy programme (WSP), amounting to RM12.49 billion.Despite the threat posed by the pandemic, opportunities are also there to be grabbed. SMEs and those planning to venture into entrepreneurship should grab opportunities, such as through Penjana SME financing with allocation of RM2 billion.But the main dilemma faced by the SMEs in the current situation would be the choice of financing.The pecking-order theory suggests business should start with internal financing, debt and equity as the last choice.It is based on the cost associated with each financing method. In order to fulfil the criteria as SME in Malaysia, a business must meet three conditions,
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