There is concern among Samoan businesses at what they consider to be excessively high interest rates.
The President of Chamber of Commerce, Lemalu Sina Lima, says banks have cut average deposit rates to about one percent, yet continue to charge a large portion of businesses 11 to 12 percent for loans.
This is being echoed by the president of the manufacturers and exporters association, Eddie Wilson, who says interest rates are still too high.
He says with the high costs of electricity, water, shipping and telecommunications, growth is being impeded.
The Central Bank says in September the average lending rate dropped to 10.33 percent - the lowest since 1998.