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    <description>Measures to improve MSME credit flow combine risk mitigation through a central credit guarantee scheme and accreditation of an SME rating agency, procedural simplifications including collateral exemption for small loans, mandated specialized MSE branches and a common loan application form, and institutional funding initiatives comprising an equity support fund, reorientation and eligibility of a refinance institution for external commercial borrowing for on lending, plus targeted central bank allocations to augment refinance capacity.</description>
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