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Bank financing will become more difficult for SMEs in the future because of Basel II. SMEs usually have very small accounting departments and often they have no accounting department at all. The entrepreneurs themselves may lack financial administrative skills to manage financial risks and they are involved in day-to-day business matters that the documents required by the bank are often neglected. ...

The main reason for this proposal is the need of vocational training for women, known as disadvatageous group. It is a reality that vocational education is inevitable for the development of this disanvantageous group. Why is there inequality between men and women in labour market, although they are needed in some branches of industry? Whereas, when they have enough vocational knowledge and compete ...