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Certainly, the unproductive informal sector typically achieves the very opposite: ソフト闇金えびすへの融資申し込みはこちら it “crowds out” the much more productive formal small and medium enterprise (SME) sector. It does this by utilizing the cost advantages sometimes derived from informality-paying less tax, lower wages, and worse working conditions-to unfairly take local demand (even if just briefly) away from the more productive formal SME sector. With unstable demand and lower prices, formal SMEs discover it a lot tougher to make the mandatory investments that would raise productivity, increase their operations, train their staff, and sustainably grow. In its regular “Enterprise Surveys,” the World Bank’s IFC arm sometimes finds that managers and homeowners within the formal SME sector consider the practices of the informal sector as by far the largest obstacle blocking their better performance and progress; for example, in Kenya.

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