Trade and service loans include wholesale trade, retail trade, services other than transport such as hotels, schools, hospitals, tour agencies, etc. Financing trade and services helps in the smooth flow of goods and services in the economy and serve as an intermediary between producers and consumers. Therefore, trade in essential goods whether imported or locally produced is to be encouraged by Dashen Bank through working capital financing. Among others, goods traded include outputs of manufacturing industries, cottage and handicraft, mining activities and agricultural products.