... shortfall in finance for long-term investments, especially for medium and small enterprises. Fortunately, there are some countries such as Brazil that have thus far not opted for this trajectory. ... is expected to autonomously evolve and is left unregulated, market signals would determine the allocation of investible resources and therefore the demand for and the allocation of savings intermediated ... wherever the inducement to invest and, therefore, demand for credit, exists, lack of access can prevent the full realization of the potential for investment and growth. This requires specialised...