"In a laissez-faire economy, an efficient financial intermediation system mobilises and allocates scarce resources towards activities that would optimise the rates of return. On this basis, the commercially-driven and profit-maximising banking institutions would often tend to take a short-term view and consider solely the private benefit of a project, at the expense of the potential long-term social benefit that could be derived from financing a particular project." b) Examine the two major DFIs that are instrumental towards the development and growth of the Small Medium Enterprises (SMEs) in Malaysia. (8 marks)