IN LAST week’s opinion piece, I introduced the Bank of Zambia (BOZ) Targeted Medium Term Refinancing Facility (TMTRF) which was instituted to provide funds to targeted sectors which include Agriculture, Manufacturing, Energy, and Tourism. Last week, I highlighted the overarching finding from a study that was conducted by the Centre for Trade Policy and Development (CTPD) with support from Action Aid Zambia. Our study assessed the roll-out of this Facility and examined the effectiveness of the transmission mechanism of funds under the Facility. We sort to spotlight the factors that explain the rate of uptake of funds by the target beneficiaries. This week, I delve into specific findings and advance the key recommendations from this study.