The Cook Islands Chamber of Commerce is critical about the allocations in this year's budget.
The government passed its budget last Friday, with major increases in police, health and tourism funding.
The Chamber of Commerce had called on the government to reduce the number of public servants and spend less money in the outer islands.
Its president, Teresa Manaarangi Trott, says there are no incentives in the budget to make the private sector grow.
"There has been an increase in government revenue, but there does not seem to be an increase in improving the way that our money is spent in the budget. In other words the budget concentrates on social areas as opposed to development areas."
Teresa Manaarangi Trott says the private sector may therefore not be able to offer more jobs.