yellow and a blue pen on a notebook page

yellow and a blue pen on a notebook page. The notebook is open on a desk or table. The notebook page contains handwritten text with a heading of "Difficulties of SMEs in Pakistan". The handwriting is in blue ink. The text is numbered 1-8 with subheadings written to the right. The yellow pen has a blue cap and the blue pen has a clear cap. The blue pen is pointing towards the bottom of the page. The yellow pen is lying beside it, almost perpendicular to the blue pen, with the cap removed. The text on the page is "No availability of Finance" for number 1, "Lack of workness" for number 2, "Exploitation" for number 3, "Lack of money lenders" for number 4, "No availability of capital" for number 5, "Less Bargain of raw materials" for number 6, "One man" for number 7, and "Dependence of middle men" for number 8. The page is lined with a light blue horizontal line. The image was taken in Okara, Pakistan, based on coordinates (latitude: 30.864, longitude: 73.56).