From the whole of 2009 right up to February 2010, EDC@SMCCI serviced more than 2,100 SMEs in Singapore, most of whose turnover is below $1 million. These were mainly from the retail, wholesale, trading, food and beverage and services sector, with less than 5 employees. It was discovered that 2 out of 3 of these firms were Malay-Muslim Businesses (MMBs). What are the factors that could have contributed to such a sad state of affairs?