Mr. Séamas Ó Muilleaneoir:

Apart from anything else, the ISME figures make it very clear that anybody who wants an amount of money smaller than €500,000 is having serious difficulty getting it. Startups and small businesses want supervised credit. A small businessperson does not want it lorried out to him or her because his or her father has a house or a farm. They want credit supervised by people who know what they are talking about and who can give proper guidance and supervision. This does not exist in any make, shape or form. If people have the collateral, the banks will give them whatever they want, and it does not matter how good their business plans are. That is the only interest they have in it.