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African Development agreement agriculture Angola areas Bank of Namibia banking sector Botswana co-ops collaterals commercial banks companies countries Dirk Hansohm Ebson Uanguta Eline employment entrepreneurs EPZ-PARK EU-SAFTA European fishing foreign exchange formal sector FUNDING OF SMALL Gobabis growth guarantees Henning Melber important income informal finance infrastructure institutions interest rates investment investors Jochbeth Andima John Orford Katutura Keetmanshoop Klaus Schade km DBN labour lack loans Luderitz majority manufacturing MEDIUM ENTERPRISES micro mining Ministry of Trade Monetary Motinga Namibian economy Namibian Stock Exchange National Nekwiyu NEPRU NGOs NNAWIB offer operating organisations Oshakati Oshikango ostrich Parastatals park population Preferential Trade Area projects Quarterly Economic Review region ROLE AND FUNDING rural SACU SADC scheme SMALL AND MEDIUM small businesses Small Enterprises SMEs South Africa Southern Africa tourism town Trade and Industry Trans-Kalahari highway transport WALVIS BAY PORT Windhoek women