Small and medium-sized businesses (SMEs) are important for economic growth, but they often struggle to get loans from banks. A study in Malaysia looked at how the overall economy, demand for big loans, and property prices affect banks' willingness to lend to SMEs. They found that the state of the economy has a big impact on this, meaning that a healthy economy is crucial for SMEs to get loans. The study also showed that banks rely on property as collateral for SME loans. This suggests that policies should focus on creating a good economic environment and improving financing options for SMEs without requiring collateral.