president ladies and gentlemen in the last few years and the global has played role to it has become ever more difficult small and medium sized enterprises to obtain loans and to 
Mr President, ladies and gentlemen, in the last few years, and the global financial crisis has played a role too, it has become ever more difficult for small and medium-sized enterprises to obtain loans and to have easy access to credit when it is essential.
President, ladies and gentlemen, in the last few years, and the global has played role too, it has become ever more difficult small and medium-sized enterprises to obtain loans and to have easy access to credit when it is essential.