banking - malays

banking is the essence of commerce and therein lies the answer why malays are a failure in business, sans the numerous downfall of bank bumiputra whilst chinese led banks, hongleong, ocbc and most particularly public bank in malaysia continue to grow and grow. my frustation stems from my failure to date to secure a bank loan for lyanne marketing, this inspite of having applied more than 3 months ago. doesn't these malay bankers realised that when we apply to a bank for a loan, it's because we need it!!!!, if we have the money we would not go to a bank in the first place. and when we need the money, the sooner we have it the earlier we can put it to good use,like making more money. why burden us with paperworks and unnecessary waiting. a week should be sufficient for any banker to evaluate the bankability of a client, observe, learn, invesigate, yes, but do all that in a week , not months/ years. i am particularly irked because we have more than adequate collateral(rm5.3 million), to cover the loan we are requesting(rm2 million). i feel sorry for all those small rural malay entrepreneurs who voted in the government based on high hopes of the government rhetoric in helping them and then get muddledup in the various beauracratic clap. the alternative, i feel is for the government to engage competent proffessionals to help these small entrepreneurs, fees to be paid by the entrepreneurs only when their particular project takes off and not upfront as demanded by numerous carpetbeggars now,i.e. a merchant banker solely for the small guys.