I want to tell you that the applicants for small loans are stuck and have problems, the loan was not given to them at all, problems that were supposed to reduce the severity of the rain years ago, the parliament passed the law on granting banking education about 16 years ago, and it was decided that a system be operational in the name of accreditation. Accreditation means that if we go to the bank as an applicant for education, we will find out through a systematic investigation of the bank. An infrastructure that by setting up the past behavior of people in order to determine their credit in the future , people who have a higher Credit Rating can be scrutinized, and for people whose Credit Rating is distorted , the system can be treated more strictly. Registration of documents of the country and the Judicial Branch of the ministry of labor and the Stock Exchange and customs organization, but the inaction of some institutions has caused this 16year delay. For the next phase, customs in