I am doing a project on credit appraisal in small and medium scale enterprises. So I want to know what is credit appraisal, and what is the role that bank plays in credit appraisal in small and medium scale enterprises

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Thts a very specific question . That I'm facing problem with, I have done my homework on this project

If you have done your homework, then you should be able to post what YOU think the answer is so we can see that you have done your homework. We can then critique your answer.